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Following link tells non-resident can buy RRSP, but limit to income of Canada-source.

本文发表在 rolia.net 枫下论坛http://www.cra-arc.gc.ca/E/pub/tg/t4058/t4058-05e.pdf#search=%22t4058%22

Besides, under Canadian taxation law, which does not follow the principles of US taxation law, residency status in immigration has nothing to do with the determination of taxation resident status.

If someone does reside majority days in a year in US, and having US-sourced income, one could not escape from being US taxation resident. Further, according to double taxation treaty between two country, either Canadian or American could not be one taxation resident in one country, status in another country must be non-resident, which means, one could not be eligible to keep Canadian taxation resident status. According to treaty, determination in US override the determination in Canada.

Basically, the major difference in principles between two countries is, Canadian citizen being non-Canadian taxation resident and physically lives outside of Canada usually has no Canadian taxation liability if majority income is from employment. However, Amercian citizne being non-US taxation resident and physically lives outside US citizen does not have this opition, they still have US taxation liability for their global income. Conditions apply.

That is the major weakness I can see being US citizen.更多精彩文章及讨论,请光临枫下论坛 rolia.net
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Replies, comments and Discussions:

  • 枫下茶话 / 美国话题 / 急问一基本的问题:Canada PR去美国工作,怎么缴税?是直接缴加拿大和美国两边税的总和,还是有其他的政策?多谢了!
    • 美国税先。加拿大多不退少补。
      • 会有多, 不退的情况发生么? 换句话说, 加拿大要你交的税会少过美国要你交的税?
        • 有一种情况有可能, 比如要是估算加拿大要补交$200 的税, 那我就多买些RRSP, 结果变成要退些税. 这些税加拿大难道不应该退给我?
          • Please note, you eligibility to deduce RRSP contribution is based on your Canada-source income, which means, it is unlikely you will be able to claim it.
            • 不会吧? 真是如此, 那不是逼人做非税务居民么?
              • 不会
                • I do not understand the basis of your guys' discussion. If the major income comes from US, I would assume he/she is the US taxation resident.
                  IN this case, he/she will be non-resident of Canada. So, his/her eligibility to claim deduction of RRSP is only limited to Canada-sourced income.

                  However, if he/she is Canadian resident, the story would be different.
                  • My understanding is, even your main income source is from US, you do NOT become a non-resident of Canada automatically. That's why ppl need to apply for 非税务居民.
                    • Agree with you. Minor question: does one need to really apply for being non-resident? or simply use different form or tick a box in the tax return form?
                      Another issue is to determine whether one is resident or non-resident, the income source plays much less important role, than where you live. That is why I asked the question days this guy lived in Canada and days in US.
              • 你的这句启示录般的感叹,看来是这次讨论最有价值的话。只是不知你能不能告诉我为什么加拿大税务居民好过非税务居民?
            • You can deduct RRSP from your foreign income. But you also can deduct foreign tax from your Canada tax. If the final tax (Canada Tax - Foreign Tax) is less than 0. You won't get paid by Canada government.
              • Are you talking about file return as Canadian taxation resident or non-resident?
                • Only taxation resident can buy RRSP. LZ is Canada PR not citizen. I think it's better to keep taxation resident in any situation.
                  • Following link tells non-resident can buy RRSP, but limit to income of Canada-source.
                    本文发表在 rolia.net 枫下论坛http://www.cra-arc.gc.ca/E/pub/tg/t4058/t4058-05e.pdf#search=%22t4058%22

                    Besides, under Canadian taxation law, which does not follow the principles of US taxation law, residency status in immigration has nothing to do with the determination of taxation resident status.

                    If someone does reside majority days in a year in US, and having US-sourced income, one could not escape from being US taxation resident. Further, according to double taxation treaty between two country, either Canadian or American could not be one taxation resident in one country, status in another country must be non-resident, which means, one could not be eligible to keep Canadian taxation resident status. According to treaty, determination in US override the determination in Canada.

                    Basically, the major difference in principles between two countries is, Canadian citizen being non-Canadian taxation resident and physically lives outside of Canada usually has no Canadian taxation liability if majority income is from employment. However, Amercian citizne being non-US taxation resident and physically lives outside US citizen does not have this opition, they still have US taxation liability for their global income. Conditions apply.

                    That is the major weakness I can see being US citizen.更多精彩文章及讨论,请光临枫下论坛 rolia.net
              • Agree with you if the guy is residing in Windsor or Niagara but gets US job. Otherwise, this guy will have to be US taxation resident gradually.
          • 这事儿我做过好几回了, 而且都是屡次咨询税务局,你完全可以买RRSP来抵扣需补交的税, 但要计算好金额, 刚好抵上就行, 多买也可以留待以后年度再抵, 否则真是多不退的
    • First you need to determine which country you are the taxation resident. According to treaty of two countries, you can have only one.
      Before answer your further question, you need to tell more about yourself, such as days in US and days in Canada