加港救生艇計劃－稅務知識: MPF 點樣攞 幾時攞先至唔使交加拿大稅？
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- Опубликовано: 25 дек 2024
- #CFSO #家和 #加港移居途徑 #HKPathway #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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CAHKLifeboat@cfso.care
睇完條片同youtube下面既comment 都好清楚RRSP 同MPF 之間要留意既事項
根據Tax Treaty, article 17, Pensions, 香港既退休金係跟香港既稅制收取, 以下為原文。
"Pensions (including lump sums) arising in a Party and paid to a resident of the other Party in consideration of past employment may be taxed in the Party in which they arise and according to the laws of that Party."
第十七條
退休金
在一方產生的、作為過往的受僱工作的代價而支付予另一方的居民的退休金(包括整筆付款)，可在該退休金產生所在的一方，按照該方的法律徵稅。
根據這份加港稅務協定, 如果 MPF 產生一方是香港, 則香港有權向該人士收稅。加拿大是否可以再收就各有說法了。
這份協定應該是 Override CRA 一段稅務條例。
謝謝你們的影片分享。
想請教, 人在加拿大, 已經係稅務居民, 打算提取香港MPF, 但不想兌換為CAD及轉到加拿大RRSP戶口 (因為想以HKD保留及支付在香港的開支)。這樣可以嗎? 在加拿大稅上應該如何處理呢?
唔好意思,有一點唔係好聽得明 13:59--14:23 65歲攞錢時報番當年的收入 係咩意思?
應該係 當年度 從 MPF 有 多少金額 轉了 出來， 就會 變成了 當年度 的 收入， 所以， 其實 最好 是在 低收入 或是 冇收入 的 年度 轉出來 是 最為化算 的了。
好重要同有用既教學 好幫到hkgers感謝感謝
Great to know. Thanks CFSO 👍
好有用既教學,最近啱啱提取左RRSP
請問人壽保險可以如何處理?
Please consult a Canadian accountant for this.
@@CFSO thank you for your reply.
謝謝家和資信! AMY 小姐跟之前CPA BEN 說的有點出入. BEN 說: 過來唸書, 只是FULL TIME RESIDENT, 未算稅務居民, 更應避免使用加拿大福利, 如:RRSP, 怕誤墮入稅務居民身份. 而MPF 未及時拿過來, 亦可有其他理由解釋, 如程序延誤, 或當時未有明顯移民意願. 現在AMY 小姐說的似乎是相反做法, 可否幫忙CLARIFY 一下, 萬分感激!
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
當時係來讀書！沒可能取到MPF的！
救生艇A只係過來讀書！沒可能在香港取到MPF😢
一向都係人人講得都唔同
多謝資訊🙏🏻請問如果我將所有由MPF公司收到的錢轉去加拿大銀行，在入RRSP的限期前，我可否在銀行提取，之後再將提取了的金額存回。可以嗎？謝謝🙏🏻
若在香港已提交提取款項，但入境加拿大後才完成取款過數，又是否要打稅？
It is ok if the delay is due your administrative process. No taxes. But it needs to be a matching amount, with proof skirting that have have applied for withdrawal before your departure. Please also see our video with accountant Ben Leung.
ruclips.net/video/PZrXsUIZ76E/видео.html
ruclips.net/video/2HAjslsAZSw/видео.html
ruclips.net/video/9GhiYz0krQM/видео.html
如我提取MPF之後，但錢不拿去加拿大，而用作償還之前借香港學支處的貸款，這樣要不要打稅？
Please contact an accounting professional for that.
係囉，如果少少mpf,攞到就用咗，咁報唔報稅呢？
家和主事人你好，感謝你哋為香港人熱心的服務🙏本人多年前已入籍加拿大但也回流香港10幾年了，計劃三年後再回加拿大定居，當中很多稅務問題不知如何處理，希望能得到貴機構轉介專業會計師幫忙。我在今年11月頭會到多倫多探親，不知能否到貴機構約談此事？期盼回覆，謝謝🙏
Our agency does not have accounting services. Please consult a Canadian CPA.
謝謝回覆，我知道貴機構沒有會計師服務，我只係希望貴機構介紹可信賴的會計師給我。謝謝🙏
@@mimiluk7204 The accountant who is the guest speaker of most of our taxation videos is Ben Leung and can be reached at Ben Leung ben@leungandcompany.ca. He is Canadian CPA and charges CPA level fees.
o.... I don't know it must be a matching amount, so I gradually converted my MPF into CAD, and hoped to transfer at once later into RRSP...now what can I do...
Suggest you talk to a professional about this. CFSO is not an accounting agency.
Thanks for sharing ! May I have the contacts of Amy for proper consultations on accounting & taxation advice personally & directly on the similar issues pls ? Big thank indeed ! God blessed ! ❤
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
Noted with thanks on ur kind reply ! Blessed ! 🙏❤️
你好
請問如何解讀香港 加拿大稅務雙邊條約第17條
在一方產生的、作為過往的受僱工作的代價而支付予另一方的居民的退休金(包括整筆付款)，可在該退休金產生所在的一方，按照該方的法律徵稅。
Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.
香港的公積金提取是否與MPF限制相同？
片內你哋所指入境前MPF如果已經領取了便不用交稅，但"入境前"係指成為PR前，還是入境讀書也當作為入境﹖
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
@@CFSO 唔明
例如現在已land, 但仍未提取MPF, 若5年後才提取，可否在該年度轉去RSP? 有沒有限期去提取MPF?
Please consult a Canadian accountant for this.
你好，請問如果2021年持work permit 入境，工作1年後於2023年得到PR身份，才能在香港申請提領MPF，並於2024年2月底前roll入RRSP 户口，請問該筆款項是否沒有contribution limit and not count as income?
Please find Amy's address on this thread and contact her directly for this.
newcomer 第一年是否不須要申報海外MPF及PF, 避免向加拿大交稅?
I believe your video and the playlist answer your question.
你好，請問如果我MPF唔夠100,000加幣是否可當海外資產遲啲搞都得？thx
no
請問如果是用inland spouse sponsorship 申請, 未入境前如果可以照啟動左MPF 提取手續，但之後inland sponsorship取得身份後先補交PR文件俾香港。由於提取手續已在離境前啟動，只是錢要到香港收到PR文件後至批錢，甘既情況可以有機會豁免嗎？
同問
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
The video is very useful and clear for explanation! May I have the contact of Amy?
Investment Consultant Amy Tong can be reached at amytong@atfg.ca
CPA Ben Leung can be reached at ben@leungandcompany.ca
@@CFSO thank you🙏
感謝Anna 用心安排 & Amy清晰講解 請問提取MPF後是港元如何對應及證明相同金額入RRSP？要自己兑換CAD？
The bank transaction record suffices.
Hk is delaying withdrawal of ORSO to 8 weeks then split the portion into MPF which takes another 4 weeks
If I submit all my applications for withdrawal but it dragged before I land canada. So I get the actual cash out after Iand caanda. Will this classify as cash I own (but waiting deposit) or will be classify as income tax. Thx as my orso is too big and my company offer internal transfer to canada
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
多謝分享 如果係個人積蓄 因未有加拿大銀行戶口 要入境後申請到戶口才可以電匯 是否又要打稅呢？
三間銀行有香港分行，可先email開戶，BMO 為例開戶約一星期搞掂，落地到銀行處理即時用得
謝過 我都睇過 但係要落左地先activate 到時再係香港戶口電匯 會否被打稅？ 入境後就會成為稅務居民？ 還是有豁免期？
@@莊思妙 For MPF, you need to have applied for withdrawal before you leave HK. If it is NOT MPF, you are deemed tax resident if you are a WP or SP holder. Regular tax rules apply.
@@CFSO do you mean I need to wire all my saving at once to Canada bank before I leave ?
個人積蓄不用計稅
請問行stream B，喺攞PR之前可以取回MPF?
手續如何？
Please do your own research on the process.
請問點解要系二月前做到rrsp 嘅？加拿大稅季是二月嗎？
Tax year is calendar year. Our government gives you till February so you have more time.
如果暫時唔打算拎MPF嘅話，需唔需要同加拿大政府申報mpf戶口
有幾多錢？假如入籍後要拎MPF拎錢嘅話，到時候申報有啲咩後果？要要唔要交額外更多嘅稅款
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
感謝資訊, 除咗MPF外, 我有另一個問題, 我幫我仔(依家15歲, 本身已經有加藉)買咗份教育儲蓄保險, 原本打算18歲先比佢攞, 但依家因為回流, 我想問問, 如果佢18歲先提款, 到時會唔會要全部當收入抽稅?
Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.
@@CFSO okay,唔該哂！
你好，想請教下，救生艇計劃2026年截止申請時，須符合PR資格。即係等於係2026前，用OWP到加拿大工作滿 1 年，並申請了PR，就算係趕及計劃安排嗎？🙏
Correct. You need to have completed all PR requirements and English exam, AND submitted PR application before 2026.08.31.
Can RRSP invest in US stocks like AAPL, TSLA?
Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.
想問吓如果等香港65歲先攞錢出嚟，去到加拿大報稅係要一筆過一齊報定係分開每年報稅？
Taxed as income in the year based on the amount you withdraw.
Video 中提及要2 月前放入rrsp, 意思時收到香港mpf 後一定時間內必須要變成rrsp 才合資格，否則就變成當年收入？
那「一定時間內」的duration 是多久？
定係，一定要係攞到mpf 嘅日期same financial year 內要轉成rrsp?
比較多問題，先謝解答
@@bettinawong3039 calendar year
Same calendar year. Tax year is calendar
想請問如果我3月先拎到MPF，係咪下年2月前要入落RRSP先可以免稅？
假如我太太經stream A 取得全家pr 之後佢留加工作，我就做多年多兩年先過嚟團聚，那我既mpf /公積金又點攞先ok 呢？
Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.
若將入境加拿大前獲得的個人積蓄在入境後才電匯到加拿大，會否當作該年年收入？
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
請問你知道答案嗎？
請問點解係2月前？
You have 60 days after the end of the year to make your RRSP contribution for the previous year. And tax year is calendar year
@@CFSO 即是假如我係2022年6月收到MPF份錢 (人已入境加拿大) ， 都只可以等到2023年1月1號至2月28號期間， 才可以放錢落去RRSP戶口。 有理解錯嗎？
@@vincentcheng735
應該係 盡快 轉入 RRSP 戶口， 即是 最好在 2022 年 已經 轉入了 。
請問會唔會有amy contact? 現時申請緊拎mpf預計下月拎到
amytong@atgf.ca
@@CFSO thanks!
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
可以提供Amy 的聯絡方法嗎。
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
其實我覺得如果將香港D錢全部帶過來,當你一兩年後發覺加拿大唔適合我,要再回流返香港,到時rrsp提取,咪要打稅囉？點解唔暫時放於香港,等幾年後,一切安定後才決定？
That depends on how much you trust the govt. They may change it to 年金， or add other restrictions to make it harder to withdraw.
I trust HK government more than Canadian government, because control by bad politicians
聽到你們內容想多些了解，到加拿大讀書入境也要提取MPF先？還是申請PR先提取MPF?
還有想問下香港保險有投資組合，是否申請PR之前要取消保險單？
Your needs to be cashed and coming with you rip Canada even if you are now working or studying, but plan to stay in Canada. You are a tax resident just being a worker or a student.
Sorry, CFSO cannot answer these questions on investment because we are not accounting or financial consultants. Please consult your own professionals.
多謝資訊。
我想問，我申請咗OWP，如果我想拎mpf來加拿大做日常生活洗費，但香港積金局好似一定要申請人有加拿大工作證明and加拿大住址證明，先至可以准許提取，之但係我唔onboard加拿大，又好難揾到工，咁咪即係一定要打稅？🤔
We are not familiar with the requirements of different MPF companies, but most of the time, people are able to get it with an OWP.
一樣處境 唯有擺落rrsp
@@莊思妙 本來想拎mpf錢出嚟做洗費，睇嚟成為泡影了🤦♂️
唯有盡快搵工 拎到證明申請
最緊要有Owp and當地住址證明就ok，唔洗employment letter，我有fd專攪MPF，你有需要可以搵佢
請問如果去到加拿大之後如果有海外物業遺產要繼承，如何可以合法減少稅收？
Sorry, we cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.
Sorry, CFSO cannot answer these questions because we are not accounting or financial consultants. Please consult your own professionals.
can i have the contact of Amy that I could ask for her consultation?
amytong@atgf.ca
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
如果唔等錢洗，由得佢擺係MPF度，到65歲時先攞，重點係攞出來就要限時間2月前處理佢嘛？
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
請問係一入境就當我係稅務居民，定係累計在加拿大居住183天以上才算係稅務居民而先至要扣除MPF直接提取過黎既稅？Thanks!
With a WP or an SP, and your intention to work or study, your are already a tax resident, not after 183 days, and leaving just before 183 days does not help. It is about the nature of your stay.
年滿65歲喺香港攞強積金出嚟咁使唔使打稅？
Amy Tong can be reached at amytong@atfg.ca
Ben Leung can be reached at ben@leungandcompany.ca
如果仍留在HK bank/ 網上平台的股票? Canada 追蹤到?
其實唔係追唔追到問題，係佢真係要Check你，你Proof唔到啲錢點來，佢就真係開File每年都追你所有嘅數。