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枫下茶话 / 美国话题 / 请问,非税务居民还可以拥有加拿大银行账号,RRSP或信用卡吗?
-jackwy23(jackwy23);
2006-10-7
(#3250512@0)
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NO WAY
-lucky2004(luckymum);
2006-10-7
(#3250540@0)
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可以有加拿大银行账号和信用卡,不清楚RRSP。
-registereduser(立牌坊);
2006-10-7
(#3250548@0)
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有什么限制吗?
-jackwy23(jackwy23);
2006-10-7
(#3250552@0)
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Don't understand your question. 非税务居民 is only concerned to taxation law, has nothing to do with the banks, except the tax withholding rate.
-registereduser(立牌坊);
2006-10-7
(#3250690@0)
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Found information about RRSP for non-resident. Please see the link.http://www.cra-arc.gc.ca/E/pub/tg/t4058/t4058-05e.pdf#search=%22t4058%22
-registereduser(立牌坊);
2006-10-7
{72}
(#3250689@0)
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可是我刚学的加拿大税法课明确说非税务居民不能还有加拿大的银行帐号或信用卡
-lucky2004(luckymum);
2006-10-7
(#3251142@0)
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不能阿。银行执行的是银行法,与税法有什么关系了?
-registereduser(立牌坊);
2006-10-7
(#3251166@0)
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你开银行帐号要留个地址不是, 你拿个外国地址肯定不能轻松开户. 非加拿大居民应该是没有加拿大地址的. 但是由居民变成非居民, 没听说银行非要你关帐户的.
-poohbear(毛毛熊);
2006-10-8
(#3252190@0)
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一般地说,是否是非加拿大税务居民与有没有加拿大地址是没有必然联系的。
-registereduser(立牌坊);
2006-10-8
(#3252271@0)
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你要是有加拿大地址的话, 银行的statement就是residency的证明, 凭这个你就可以办医疗卡, 享受福利...
-poohbear(毛毛熊);
2006-10-10
(#3253850@0)
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不同的法律对residency有不同的定义,不可混为一谈
-registereduser(立牌坊);
2006-10-10
(#3253932@0)
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别强词夺理了, 都是加拿大法律, 每年只填一份税表, 哪里的收入往哪里交税都是一起算的. 反正有法律的地方就有违法的, 而99%的违法行为是抓不住的 -- 我并不单是指个人, 银行的行为也不总是合法的.
-poohbear(毛毛熊);
2006-10-11
(#3257247@0)
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加拿大非税务居民与加拿大税法有关系.
-ustax(roliatax);
2006-10-8
(#3252349@0)
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参与修定加拿大税法的国会议员们都是有银行账户的
-registereduser(立牌坊);
2006-10-9
(#3252663@0)
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和银行是无关系,问题是楼主是非税务居民,如果有帐号银行无事,他有事
-lucky2004(luckymum);
2006-10-9
(#3253834@0)
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为什么?
-registereduser(立牌坊);
2006-10-10
(#3253930@0)
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因为他已经违反了做一个合格非税务居民的条件.
-lucky2004(luckymum);
2006-10-12
(#3259461@0)
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非税务居民的条件里有不可有加拿大银行账号,RRSP或信用卡吗?我不信。
-registereduser(立牌坊);
2006-10-13
(#3259563@0)
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这和你信不信无关系,翻翻税法书吧
-lucky2004(luckymum);
2006-10-14
(#3261919@0)
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不知能否进一步说明。我的理解是,the taxation residency is the concept of election, declaration and determination.I could not see the taxation law states that for non-resident taxpayer, they could not have bank account or credit card. Simply, it is unconstitutional. However, it may say, if you have credit card, you may not be eligibal to claim as a non-resident taxpayer.
Further, as I know, the two matters are not related.
-registereduser(立牌坊);
2006-10-10
{316}
(#3253934@0)
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Yes. You can have Canadian bank accounts or Credit Cards even you are non-resident for tax purpose. It's confirmed by serveral banks, credit card companies and mutual funds companies. But...But you cannot use Canada address as mailing address. You have to use foreign address.
-steve888(Steve曾经曰过);
2006-10-12
{86}
(#3258207@0)
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Why non-resident could not have Canadian address?
-registereduser(立牌坊);
2006-10-13
(#3259561@0)
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I don't know. That's what the banks told me. I think it will avoid the problem if you only have foreign address. Maybe you still can have Canadian address for non-resident.But for precaution, I don't use Canadian address any more.
Without Canadian address, there's some limitation on some banks. For example, I cannot buy Canadian mutual funds any more.
-steve888(Steve曾经曰过);
2006-10-13
{184}
(#3259689@0)
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What is Canadian mutual funds and why you could not buy it anymore?If it is general investment fund, I can see no reason you could not buy it. If it is tax related fund, such as RRSP, I think you may still buy it but receive different tax treatment.
-registereduser(立牌坊);
2006-10-13
{182}
(#3261177@0)
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I think maybe some mutual funds can only be sold to Canadian resident. When you call your mutual funds company or brokage company to change address, they will tell you that you cannot buy some mutual funds any more.
-steve888(Steve曾经曰过);
2006-10-14
(#3261706@0)
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yes yes yes.the simplest way is to ask the internation tax center.
-frankbd(中外多少事都付笑谈中);
2006-10-11
{54}
(#3257274@0)
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不入这么想:如果你拥有了加拿大银行的账号,有经济来往,那么就说明你跟加拿大有经济上的联系;有了经济联系,你还是“非税务居民”吗?“非税务居民”如何定义的?银行当然不会管你要不要交税,你给他们钱,他们当然会干。
-myapril(aprilmay);
2006-10-12
(#3258286@0)
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为什么有了帐号就非要有经济往来?放那儿不行吗?再说,即便有经济往来,我用信用卡在外国消费,这和在加拿大上税有什么关系?
-cool_guy(cool guy);
2006-10-12
(#3258446@0)
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为什么有了经济联系,你就不是“非税务居民”?
-registereduser(立牌坊);
2006-10-13
(#3259562@0)
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所以我说要看““非税务居民”如何定义的?”
-myapril(aprilmay);
2006-10-13
(#3259854@0)
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Non-residents
-ustax(roliatax);
2006-10-13
(#3259866@0)
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这个才是最清楚地:http://www.cra-arc.gc.ca/E/pub/tp/it221r3-consolid/it221r3-consolid-e.html#P79_7783
-myapril(aprilmay);
2006-10-13
(#3259893@0)
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What are residential ties?
-ustax(roliatax);
2006-10-13
(#3259878@0)
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如果没有经济来往,又何必需要“加拿大银行账号,RRSP或信用卡”?楼主他自己心里明白,特别是rrsp这东西,里面为空,开来是在没用;有东西,就有利息,不管多少都是经济往来
-myapril(aprilmay);
2006-10-13
(#3259861@0)
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case by case, 最好填NR73表去问。
-mssg(Wild_Killer);
2006-10-12
(#3259474@0)
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填个表去让出CRA决定,我是有everything 房,账号,衣物,家具,只是人在美工作,依然被定为非税务居民。 有收入就报税,没问题。如果没有搞明白就不要想当然
-bjtudou(onlyone);
2006-10-13
(#3261369@0)