Финансы в Канаде
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Уже не помню где слышал. Говорили, что если прийти ножками в Costco, то больше вероятность, что одобрят их кредитку, чем подавать онлайн.
Мне отказали, подавался онлайн через пол года резиденства здесь. Самое интересное, что они не делали хард чек даже. Кредит скор хороший у меня.
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Подавали ножками. Не помогло)
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Не знаю как точно это истолковать 🙂
The rule is simple enough. If you have maxed out your annual contribution and go ahead and withdraw money from a TFSA today or anytime this year (2014), you can’t put it back until the next calendar year: i.e. 2015. Basically, if you decide to replace or re-contribute all or a portion of your withdrawals into your TFSA in the same year, you can only do so if you have available TFSA contribution room. If you re-contribute but do not have room, you will have over-contributed to your TFSA in the year and you’ll get dinged with a penalty.
business.financialpost.com/personal-finance/tfsa/tfsa-canada-confusion
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Replacing withdrawals If you decide to replace or re-contribute all or a portion of your withdrawals into your TFSA in the same year, you can only do so if you have available TFSA contribution room. If you re-contribute but do not have contribution room, you will have over-contributed to your TFSA in the year. You will be subject to a tax equal to 1% of the highest excess TFSA amount in the month, for each month that the excess amount remains in your account.
Example
Since opening her TFSA in 2009, Jenny has contributed the maximum TFSA dollar limit in each year. By the end of 2017, she has accumulated a total of $52,000 in her TFSA account. In 2018 Jenny makes a $5,500 contribution, the TFSA dollar limit for 2018. Later that year, she withdraws $3,000 for a trip. Unfortunately, her plans change and she cannot go. Since Jenny already contributed the maximum to her TFSA earlier in the year, she has no TFSA contribution room left.
If Jenny wishes to re-contribute part or all of the $3,000 she withdrew, she will have to wait until the beginning of 2019 to do so. The $3,000 will be added to her TFSA contribution room at the beginning of 2019.
If she re-contributes any of the withdrawn amount before 2019, she will have an excess amount in her TFSA and will be charged a tax equal to 1% of the highest excess TFSA amount for each month that the excess remains in her account.
www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/making-replacing-withdrawals-a-tfsa.html
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Если я приехал в 2018 и у меня рум был $5500. Я их положил в 2018 на TFSA, а потом снял в том же 2018 с TFSA - то правильно ли я понимаю, что положить их назад без штрафа в счет своего рума за 2018 год я могу только в 2019 ($5,500 за 2018 + $6,000 за 2019)?
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А у вас какой банк? У нас RBC и нас менеджер прям спрашивал какой вам лимит нужен. Я ответила , что нам надо мебель купить сразу в икее и пару бытовых приборов+ в будущем планируем компьютер покупать.
И он сразу обоим 2000 сделал лимит. Сказал больше пока не может. Но нам больше то и не надо было.
