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税务知识提问帖！

07 年报税季节已经开始，新移民和刚来的留学生需要去邮局或者税务局领取税表。第一次报税不可以电子报税，只能邮寄。刚来的留学生朋友，没有工卡号码的，需要从税务局申请一个报税号码。
I]7bA0S4IM U]&D 对于是否需要报税，我个人认为，即使没有收入，也最好报税，可以拿到GST退税及安省屋业及消费退税。注意，GST每个家庭只有一个人可以申报。有小孩子的父母，也必须报税，才可以申请牛奶金。自雇和小生意要咨询专业会计师，因为比较复杂。
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U9{\Rosw"n 个人报税的deadline是4月30日。自雇及生意人士报税deadline是6月15日，如果欠税务局钱，必须在4月30好之前，否则会收取利息。NA-b*vRp4x-r

HxR6v'],x 留学生朋友报税比较简单：yj:c$K3\}q[
如果07年没有工作过，只需要姓名，出身年月日，税务号码，居住地址，房租收据，联系电话及银行帐号等信息。
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如果07年工作过，记得向雇主索取T4表格。
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S;X7N e 所有的银行的T5，记得要报入收入。zgx9t-?T3d6?@c

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税表上除了个人信息外，基本上可以分两大部分：8G8A!?h+~7f-Q,Z,Lc_
1.IncomeB6@N,?@'J8P
2.Deductions&Credits
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5A[|$?z!a Income 包括：/o-}6B"l9S4}#}Pn
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所有的T4(Regular 雇主发出的),T4A，T5. 拿过EI 的有T4E.
bO8i.T/IKY_1_ o Deductions&Credits包括：LU(O(C$S M
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x"nu!~bd 基本上Income减去Deductions&Credits就是Netincome了。可以大约知道自己得到多少退税。

示例问题：
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(1) Gov't 會退稅 is when you income is under $__________???_vIsS-X?q$Fr.y
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Only if you paid tax, which means at least you have T4, and your deduction is over your income.
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c4o$HvL (2) Income 高於 問題(1) 會被扣how much tax? 我知道是有level限制的~例如 income 是 2W, 扣幾多﹖3W? 4W? 5W? 10W 又是要被gov't 扣幾多呢﹖
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D#a x;@/M"K9vbo] There are two parts for this issue, for year 2007:
C"N6]4P6a9j.urB,MP;uH| 1.Provincial tax, if your Taxable Income is $35,488 or less, it is about 6.05%.
BK&PJ"|+l3x$a2PW     if your Taxable Income is more than $35,488 and less than $70976, it is about 9.15%.E8r7["Bi,hw
    if your Taxable Income is more than $70976, it is about 11.16%.ns&?y*l.o(k\+c
2. FED tax,  if your Taxable Income is $37,178 or less, it is about 15%.py/\6?4o
     if your Taxable Income is more than $37,178 and less than $74357, it is about 22%.
eW qO&RJ     if your Taxable Income is more than $74,357 and less than $120,887, it is about 26%.
`qoS)fe)F      if your Taxable Income is more than $120,887, it is about 29%.
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ng ]*A2C-\O~ As you can see, your total tax bracket is a total of Ontario and FED Tax. !aG]7w{jl
Beware that the "Taxable Income" in this case means the number from Line 260, and it is the income after all your deductions( such as, RRSP, RSP, UCCB, Child care expenses, etc.)
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qT~L;U (3) 被扣除的tax from your payroll (CPP + EI) 會有多少%的退稅 i'll be receiving at the end of the year呢﹖^S(G#yX+c2[
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The total income tax withheld by your employer will indicate in your Paysub, as well as in your T4.
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?8HK~N To estimate either if you have to pay more tax to CRA or you will get a refund, refer to the calculation on Question 2. m,F#c/g T0U

@:[xfP'r.p (4) 除了RRSP, OSAP interest 有甚麼是可以tax deduct的話呢﹖ol6_Z~[ m
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Yes, your RRSP can be treated as a deduction. Student loan interest will be treated as tax credit. )`s
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g r ~4fq Aj7M Tax deduction includes:
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9f2[r e[F-b Moving expense (over 40km in Canada),IrQ/D^!w1?`;?M$U
Business investment expenses
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)d6d,BMD'QG Tax credits includes:4hv'~ t}aF!orz+y
Basic personal amount $9600 (year 2007).
F5cC7m7R Spouse amount, MAX: $5177ta.M`5~3u
CPP contributions)Pi+~C/?1^js5d
EI contributions
)x^,_]X Public Transit ( EX: TTC Pass)
*S)hS#mx5a}0Z Tuition"M~ cX*|
Medical Expense X%n8ct7@v]*X C
Donationse.z!SE}

^.OJ!X)Bc (5) 人壽保險~汽車保險~Financed 汽車~OSAP~....那些expenses 可以申報嗎﹖

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Life insurence, car insurence, and lease payment for the car can not treated as expense in personal tax claim.
R ^?n9a^ However, you can use OSAP interest as a tax credit.
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[[i] 本帖最后由 奥巴马 于 2008-4-28 07:41 编辑 [/i]]

不要照抄安省的东西.

:D 。碰到同行了。NS和ON差别不是很大。另外上面的东西，也是我自己在另外一个论坛里面发的。

呵呵,问下同行,你用什么软件啊?8}5rC i^6{
给您纠个错,UCCB是不能抵税的, UCCB一年1200元,要算作收入来计算)~ Y5cm*{,Oc@
收入和抵税就南辕北辙啦0b$cL8Vm:HN.m@
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我不知道你原文的来源是哪里?1\wl[:y3R/X [/m-^
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但这句话Always keep in mind that you will never get a refund for your CPP and EI contribution.
jR!gK(j 是大错特错啦..如果一个人年收入低于3000(具体数字不记得了) ,那么他所有的CPP和EI的contribution都是可以refund的.
Fvl3E}k~` 高于3000,也可能存在部分OVERPAYMENT可以refund.
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+I+K&IUp4z wi&H+d0t2]_Y 共同学习,共同进步
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[[i] 本帖最后由 dongliang007 于 2008-4-27 23:26 编辑 [/i]]

[quote]原帖由 [i]dongliang007[/i] 于 2008-4-27 23:20 发表 [url=http://bbs.eclife.net/redirect.php?goto=findpost&pid=150258&ptid=30022][img]http://bbs.eclife.net/images/common/back.gif[/img][/url]'v]Hs6_"b+PB#G
呵呵,问下同行,你用什么软件啊?DQq Bi1u"}VV
给您纠个错,UCCB是不能抵税的, UCCB一年1200元,要算作收入来计算x_B2iCf&S0?:~*n
收入和抵税就南辕北辙啦
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&F XH$~LL 我不知道你原文的来源是哪里?-Vjx L*v%C
但这句话Always keep in mind that you will never get a ref ... [/quote]
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:) ，谢谢。p,b^'z,{#mIE)x
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我用的是CANTAX.  不当的地方也已经改正，再次感谢。