问诸位大侠个关于HBP 的问题，能否在收入不足的年分多报RRSP income

Mark822

问诸位大侠个关于HBP 的问题，能否在收入不足的年分多报RRSP income？ 但是在这个年分实际的RRSP缴款额是ZERO, 比如我HBP拿回了15000, 以后的补交额是1000, 但今年的收入严重不足，能否在OTHER INCOME--RRSP INCOME中把RRSP income 写成2000，而不是正常的补交额--1000？ 这样可以更快地把15000对冲掉。谢谢！

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The 1000$ owed as an RRSP repayment under the HBP, if not repaid - is equivalent to a 1000$ withdrawal from the RRSP, and so is therefore considered as taxable income.
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7 g& _0 R8 q9 V8 CFailure to make the repayments is negative or a loss of potential benefit, because you have lost the benefit of a deferred tax free payment towards the house and lost 1000$ of valid RRSP room and in the year of the missed payment you will be paying tax on the missed repayment.
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7 q# Q+ x5 s" E# ~, w) W) z4 h. }If you do not repay the amount you have to repay for the year, you have to include it as RRSP income on line 129 of your tax return. The amount you include on line 129 is the minimum amount you have to repay as shown on your Home Buyers' Plan (HBP) Statement of Account. Your HBP balance will be reduced accordingly.
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所以，这样做弊大于利，虽然短期内不用补交RRSP，但从长远来看，失去了RRSP的免税额度，并且失去了这些钱在RRSP账户中投资免税增长的复利。

Jagular

我觉得楼主的主意不错，我第一年归还HBP的额度大于1/15，第二年的时候政府网站上公布的minimum repayment好像是余额的1/14，所以收入低的时候repayment高你可以少交税（建立在收入低税率低，收入高税率高的基础上），来年你的收入高了，你可以只付minimum的repayment