是买RRSP还是放进房屋贷款里面？

豆浆机

如果一家三口只有一个人工作，年薪6-9万，年底了存了一些钱，这些钱是用来买RRSP呢？还是放进房屋的贷款里减少贷款的本金呢？

困在爱城

唉，唉，唉。

天上明珠

先买RRSP，退税回来的钱放进房屋的贷款里

NEB

$60K - $90K is a big range on income and resulting in different % tax paid. if you want us to help you to decide, you'll need to be more specific. also, what % interest are you paying on the mortgage and the size of your mortgage?

buying RRSP first and then use income tax return to pay down mortgage is generally the better way to go, but don't forget that if your spouse isn't working, you can claim his/her tax credits and therefore lowering the amount of tax you pay. at the end of the day, you need to calculate how much tax return you can potentially get if you buy RRSP and if that is out weighed by amount you save in mortgage interest in the long run.

good luck!

fushiyu

在消费投资版里，精打细算对此问题有详细的回答