加港移民雞精班－稅務知識: 抵埗加拿大前資產及稅務準備 Canada-HK LifeBoat - Taxation: Asset Management Pre- and Post-Arrival

#加港救生艇申請 #CFSO #家和 #加港救生艇 #CAHKLifeBoat #Lifeboat #救生艇 #加拿大 #生活常識 #日常生活 #生活小貼士 #贏在起飛前
*** 家和是加拿大註冊慈善機構，提供新移民，家庭，殘障及特殊需要服務。此系列短片志在為有需要移居加拿大的朋友提供有用資訊，但家和並不提供移民咨詢或移民顧問服務。 CFSO is a registered charity with funding from Immigration Canada. We do NOT provide immigration consultant services, nor do we make profits out of our services. We developed this series of educational tools on our volunteer hours to help HKers in need.**
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[e-mail]

[@kklee6620]

感謝家和 & Ben
share for some key points
2:11 full-time resident 例如owp
2:43 保留外國tax residency
4:11 owp都要多個process
4:58 入境果日
7:10 MPF已經申請左, 做晒all steps can show 有心離開, 要show到intent
12:49 用好多factor去決定係唔係Tax Resident
16:50 學費可以對沖之後income
17:30 年青的學生應該都報稅

[@markng2758]

謝謝家和, 謝謝Ben哥.

[@kinglam9475]

多謝您哋節目，幫到手，希望您哋節目幫到更多人

[@clementcle130]

感謝家和、Anna安排Ben哥再度上來解答！

[@clementcle130]

我聽過有大陸人去加國讀書，小朋友黎，之後父母將小朋友名下喺大陸嘅一個一直出租嘅物業賣出，將錢匯去加國俾佢，結果銀行報告政府，加拿大稅局於是質疑錢來源，再問佢點解沒報過有個咁樣嘅房產同收入。結果佢個會計師建議佢認錯喺漏報咗，罰款解決。所以大家如果有屋喺香港仍繼續出租，而又好大機會去移民，就最好報埋，因為已經唔喺自住，或者搵會計師問清楚

[@peterhall6219]

有字幕就好喇

[@patsyho2065]

多謝你地既解答🙏🏻
想請問如果我申請PR後，想申請返MPF既錢還清以前申請讀書既政府貸款，咁佢計稅係點計算架？
係會以我拎返既MPF總數，定係以清還我貸款後剩餘既財產計算呢？謝謝你🙏🏻

[@CFSO]

Please consult a Canadian accountant for further questions.

[@shukuist123]

如果到埗後再拎MPF, 稅金計算放法係成個lump sum 計稅，定係只計成為稅務居民後增加嘅部份去打稅呢？

[@offroadoffroad]

問過幾個 CPA 說法也不同.

[@wingchan7a]

Hi there 我2022年6月在加拿大買一間HOUSE再出租, 本身不是加拿大人, 但會打算下年移民加拿大, 按道我所知須要報稅,應該最遲幾時要報稅 ? 謝謝

[@adelinechan1445]

請問有冇稅務專家介紹或者邊度可以搵到信得過既稅務專家?

[@CFSO]

If you want to talk to our guest speaker, Ben is available at [phone]

[@wizardkiu]

1) Does it mean if I have a property in hk which has rented out, I do not need to report my property and rental income to Canada while holding a Study Permit and not claiming any tax deduction for my part time job income in Canada right? Is the answer the same for studying in Canada for 2 years?
2) if I sell my hk property before I apply for PR in Canada while using work permit to stay in Canada, do I need to report from property gain or loss to Canada and give tax?
Many Thanks!

[@CFSO]

These questions cannot be answered by CFSO which is not an accounting agency. Suggest you seek help from a Canadian CPA.

[@chanhuiyiu1]

Google唔到片入面講既full time residency既資料，可唔可以share有關連結？

[@CFSO]

It is a complicated concept. Please consult a Canadian accountant for further details.

[@hiuwachan1161]

Hello, thanks for sharing!
我想問下係咪即係full time resident (拎owp過去而未拎PR)+未有移民決定(喺Hk未拎走MPF), 如果香港有層樓，我哋於拎PR前賣出，個筆賺咗既錢唔需要比稅？
Thanks

[@florama-lg4op]

同問 請問一下你有答案嗎？

[@sopeter2756]

So first year as SP holder, can report only Canadian Income excluding overseas provided that one don’t claim any personal allowance and no benefits for next year?
Based on above, Is it true that one will NOT be eligible for RRSP or TFSA on next year?

[@CFSO]

And pay taxes under the hk system

[@sopeter2756]

@@CFSO pay or report tax? one reported might not need to pay any tax after all
tax allowance.

[@CFSO]

@@sopeter2756file taxes in hk for income from both countries, and pay taxes as required.

[@novemleung334]

請問我有加拿大passport，但離開加拿大十多年了，期間沒有任何聯繫。多年前計劃退休後回流加拿大，所以買了一個樓花。今年已經收樓。請問以下不同安排有什麼稅項分別：
1。 如果我現在把單位出租。
2。 如果我現在回流自住，如不適應，才把單位出租，自己回港。
3。如果我現在回流自住，如不適應，才把單位賣出，自己回港。
4。回流加拿大後，香港只有我名的出租單位要如何計稅？香港只有我老公名的自住單位如何計稅？老公未入籍。
感謝解答！！
5。

[@CFSO]

Sorry this is professional accounting service that you need, and we don't have the expertise to provide that.

[@lomartin612]

你好，我有看你的utube channel，想了解下其實得到移民資格後，如果first land 十幾天後全家先返回香港，即只想激活移民紙(CoPR)，然後全家回香港工作及讀書，其間不會申請任何加拿大福利，再一年後過來正式定居，但這段時間是否不用交稅呢？謝謝🙏🙏

[@CFSO]

www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4058/non-residents-income-tax.html#P83_5491

[@Little.Little.Creations]

想問下，家人landing 前，間屋個market value valuation 要搵咩人做？ 係咪landing 既時候要交俾移民局？

[@CFSO]

Please consult a Canadian accountant for further questions.

[@Little.Little.Creations]

@@CFSO 請問有無相關介紹？Ben sir 公司係咪可以聯絡咨詢？

[@CFSO]

@@Little.Little.Creations email [e-mail] and we will share some more info if required

[@crazeze1]

咁到左加拿大後先申請攞mpf咁就要俾稅？

[@CFSO]

Debatable when your are only on SP or OWP, but you must NOT be collecting any Canadian benefits or claiming any tax credits.

[@kingfuyeung136]

我想問Ben哥，如果我sp 一個人過黎，屋企人還在香港，在第一年內香港樓才賣出，這樣要報稅給加拿大政府嗎？

[@CFSO]

You need to STILL BE KEEPING your residency status in HK, and your immediate family still needs to be in HK, AND you need to be filing taxes in Hong Kong, AND filing taxes in Canada WITHOUT claiming any tax credits, to qualify to NOT pay Canadian capital gains taxes for your property sale in HK. CAUTION: this is based on very preliminary info that you have shared. Everything depends on actual circumstances. For further details, pls consult a Canadian tax account.

[@kingfuyeung136]

@@CFSO 謝謝你們🙏

[@toteresa1220]

想問下，我正申請取回MPF，但因為申請需時，如我入境後筆錢先入到帳，需要俾稅嗎？

[@CFSO]

No, is your applied for it before you left.

[@toteresa1220]

我係咪保留返所有可以證明到我已申請緊既文件就ok？

[@JL-oi8di]

⁠有會計師話一入境申請sin 卡就是稅務居民

[@yunlingmak305]

我係申請owp過黎，如果我申請咗攞番畢mpf, 但係到我走都未入到我戶口，咁當我到咗加拿大後先收到畢錢，咁我要唔要報

[@CFSO]

Ben answered the question in the video

[@clementcle130]

我理解Ben哥意思應該喺咁樣，加拿大稅局比較人性化睇問題，如不是你個人原因遲咗，你應該可以不報，（不過最好保留證據）。但你移民嘅傾向已經好明顯，之後如果不報埋全球收入（PR前）會容易被Query

[@yjen1161]

唔好意思，可以share Ben哥既contact嗎？關於MPF既安排想再咨詢多d🙏🙏

[@CFSO]

[e-mail]

[@yjen1161]

謝謝🙏🏻

[@bowieyee5132]

聽完都唔好係好明白，究竟即係點報法？

[@CFSO]

Please consult a Canadian accountant for further questions.

[@CFSO]

Please consult a Canadian account for further details.