what would happen if a Chinese Canadian claimed as non-resident but rented out an inherited apartment unit in HK. Does that person need to pay tax to the Canadian government?
Non-residents working overseas? Looks like you have emigrated to another country after living in Canada for a while. In that case, you only need to report income from Canadian sources (such as rental income, investment income, withdrawal from RRSP, business income, etc.) You do not need to declare overseas properties nor report any overseas income. BUT, you should tell CRA when you moved overseas (ie, declare non-residence) on your T1 income tax return. If you are a performing artist (actor, singer, musician, TV talk show host, standup comedian. etc) , I strongly recommend you to consult a Professional Chartered Accountant if you return to Canada to perform in a concert or film a movie or do a TV show.
@@mschan3572 NO - you do not need to report overseas income or properties during those years that you are overseas. You only need to pay Canadian taxes on Canadian income (such as bank interest, trading on Canada stock market, rent collected in Canada, royalties if you are an artist). To be exact - the day between you left Canada and the day you return - your personal exemption is pro-rated in the years of leaving and coming back. How to pay non-resident taxes while you work overseas ? By law, the payer of your income, such as the bank,. the stock market trader, tenants of your house in Canada, your pension fund administrator, music copyright authority, etc., must withhold 25% non-resident tax and remit it to CRA. Hence, if you pay a non-resident (an actor from Hong Kong to make a movie, for example), be careful: you as a payer may be responsible for his non-resident tax. EXAMPLE, if you sell a house as a non-resident at $1 million, your lawyer will withhold $250,000 (25%) and send it to Canada Revenue Agency. You may later file a non-resident return to claim things like legal fees, real estate commission, selling expenses such as fix-ups and repairs, etc., to get a tax refund. TAX TIP: You may work up to four year overseas and still call your house your "principle residence" when you return to Canada and enjoy a tax exemption. OPPS! If I work five years and return, then I am screwed? Not quite, the exemption is pro-rated. .
Very useful information on Canadian taxation for newcomers. Much appreciated it if you can talk more about the taxation of investment return (stock, options, futures, precious metals etc) in the coming talk.
OK, you can declare your overseas property as your principal residence (which is exempted from Capital Gain Tax) on form T2091 when you sell it, even though you have a house and live elsewhere, say, in Toronto. BUT, remember, you can only declare one principal residence per married couple per year when you have several houses around the world. Hence, make your pick carefully and thoughtfully and hope for the best when you see your accountant.
不可以，也沒有那麼多的人力物力去查核數以億計的稅務帳戶。 不過，加拿大和一百多個國家有「稅務條約」 international tax treaties（包括中、港、台在內），彼此税局之間互相交換資訊。如此，可減少各國人士逃稅，也避免「雙重税收」。比方說，你是演藝圈人士，去各國巡迴演出，如果沒有這些國際稅務條約，後果真的是一塌糊塗。
@beyondKOL Long time ago, Manulife floated herself into stock markets worldwide at the same day. A policyholder of Manulife HK got the Manulife share and the policyholder authorised Manulife HK to be his/her trustee to sell the Manulife share while the policyholder regarded that the trustee, Manulife HK, would sell the policyholder's share in HK. However, the trustee, Manulife, sold the policyholder's Manulife shares in Canada. Manulife deducted 25% tax from the proceeds of the sales of the Manulife shares after the sales of the Manulife while the policyholder has never been a Canadian and has never lived in Canadian. How come a Canadian who lives outside Canadian is entitled not to pay tax to Canadian under his/her non-taxation Canadian??!!! It seems that it was so ridiculous.
咁又唔係。七十年代，一位安省警察，在 Hamilton 開了一間咖啡店，店名叫 Tim Hortons. 今日，做到全國都有咖啡店。發達之後，那位差佬 (名叫 Ron Joyce) 炒了安省政府 OPP 的魷魚印印腳矣。 1993 年，一對來自台灣的夫妻，在 BC 省的本那比市，以他們兩個女的名字，開了一間雜貨店 T & T 大統華超市，他們的經營理念，是跟西人超級市場的經營方式去「揸正來做」和其他唐人雜貨店有別。2009 年，以二億元賣給 Loblaws 公司。今日，全國都有分店。 大把人搵到錢你都唔知。
最緊要心安理得,錢財身外物..平生不作虧心事, 夜半敲門也不驚,
要來加拿大就吾好以為有僥倖嘅心態，税一定要報足，加拿大大開門口係要加大税收。我73年移民也見蹬好多例子，如果報税有欺騙成份，隨左罰款同你分身家，還有機會坐免費花庭。西方政府無錢了。如果你對報税誠實，有此預備就不防考慮加拿大。
Very useful info, thank you!!
感謝製作這麼好的video，希望能夠加上字幕，因為在訪談的收音時, 字音會被吞, 聽不到，若果能夠將一些英文術語解釋一下(或加上字幕) 就會更加清楚明白，衷心感謝製作🙏🙏🙏
繼續追看！
老人都可以返去香港轉錢比仔女香港的戶口 亦可以透過比特幣戶口轉返做加幣. 你地唔識唔代表其他人做唔到.
Why so many people do the cash business never report the tax to the government
想請教一下 Terrence係4:53提到有三個database去查海外資產 係邊三個呢? 可唔可以講多啲會點查? Thanks
Any chance that Terrence and Beyond to talk about retire out of Canada, say in Hong Kong? Things that we should pay attention to? Thank you.
另外，九十年代有個無女演員欠加拿大三百多萬稅，回流香港繼續為無線電視工作，加拿大政府凍她的房子，八十年年代她是用二十多萬加紙買入那座房子而已，她都唔稀罕政府凍結她的房子啦，這過案只是其中一個，還有很過案的，
what would happen if a Chinese Canadian claimed as non-resident but rented out an inherited apartment unit in HK. Does that person need to pay tax to the Canadian government?
呢集好有用！
I would like to know if non-residents working overseas are expected to report overseas property?
Non-residents working overseas? Looks like you have emigrated to another country after living in Canada for a while.
In that case, you only need to report income from Canadian sources (such as rental income, investment income, withdrawal from RRSP, business income, etc.)
You do not need to declare overseas properties nor report any overseas income. BUT, you should tell CRA when you moved overseas (ie, declare non-residence) on your T1 income tax return.
If you are a performing artist (actor, singer, musician, TV talk show host, standup comedian. etc) , I strongly recommend you to consult a Professional Chartered Accountant if you return to Canada to perform in a concert or film a movie or do a TV show.
@@barrhavener i meant what about overseas income and properties for non-residents who plan to return to Canada?
@@mschan3572 NO - you do not need to report overseas income or properties during those years that you are overseas. You only need to pay Canadian taxes on Canadian income (such as bank interest, trading on Canada stock market, rent collected in Canada, royalties if you are an artist). To be exact - the day between you left Canada and the day you return - your personal exemption is pro-rated in the years of leaving and coming back.
How to pay non-resident taxes while you work overseas ? By law, the payer of your income, such as the bank,. the stock market trader, tenants of your house in Canada, your pension fund administrator, music copyright authority, etc., must withhold 25% non-resident tax and remit it to CRA. Hence, if you pay a non-resident (an actor from Hong Kong to make a movie, for example), be careful: you as a payer may be responsible for his non-resident tax.
EXAMPLE, if you sell a house as a non-resident at $1 million, your lawyer will withhold $250,000 (25%) and send it to Canada Revenue Agency. You may later file a non-resident return to claim things like legal fees, real estate commission, selling expenses such as fix-ups and repairs, etc., to get a tax refund.
TAX TIP: You may work up to four year overseas and still call your house your "principle residence" when you return to Canada and enjoy a tax exemption. OPPS! If I work five years and return, then I am screwed? Not quite, the exemption is pro-rated. .
做人誠誠實實咪得囉。生活咪唔使提心吊膽囉。
You won’t want to mess with Canada Revenue Agency. Honesty is the best way to go!
世間上,有要馬兒好,又要馬兒不吃草。
應該盡公民責任,要報稅,便是誠實的公民。
將資產放落信托戶口, 可以將資產轉移轉移嗎？
信托戶口冇五千萬港紙以上資產，都唔值得做。
想知有人回流反香港但冇申報non resident
每年有報加拿大稅 但冇報香港收入同資產又有申請 CPP OAS 重攞加拿大福利
合法嗎？
如果有一些已經冇錢既證券戶口亦唔再打算再用既戶口洗唔洗報？
我父母在香港過世後，我分到约40萬港元的遺產，請問轉過來加拿大時是否需要當作收入來報稅？要不要提供證明是遺產？要怎樣證明那40萬是遺產？
請問non resident嘅銀行利息是否要報稅？銀行寄了T5給我，我應該怎麼辦呢？非居民有沒有免稅額的？
Very useful information on Canadian taxation for newcomers. Much appreciated it if you can talk more about the taxation of investment return (stock, options, futures, precious metals etc) in the coming talk.
請提陳會計師，聯絡方法，公司電話。需要他提供收費專業意見。在此感謝Beyond Kol的用心拍的片。
You can reach Terence Chan with the following email info@cclcpa.ca (416)226-6668
@@beyondKOL much appreciated🙏🙏👍
Pls advise whether there is co. Website of Terence. If possible, pls advise as well. THANKS AGAIN
請問海外資產申報，包括自住物業嗎？（已經做了估值）
OK, you can declare your overseas property as your principal residence (which is exempted from Capital Gain Tax) on form T2091 when you sell it, even though you have a house and live elsewhere, say, in Toronto.
BUT, remember, you can only declare one principal residence per married couple per year when you have several houses around the world. Hence, make your pick carefully and thoughtfully and hope for the best when you see your accountant.
您好！請問香港有幾百萬贈興加拿大的兒子，怎樣報稅？ 謝謝🙏回覆！
這個非常實，聽一次，一生受用
香港銀行留7年紀錄，怎樣有10年！tks
Thank you for your support. Glad you find the materials helpful.
請問如果已回流香港但尚未申請做非加居民，多年沒有報稅。現在想回加拿大應該怎樣做呢？
GOOD
CLS，如果罰成千萬，直頭個加拿大國籍都吾L要啦
稅務和國藉沒有任何關係。是以你居住的地方為伊據。故此最簡單的方法，放棄全部在加拿大的資產，離開加拿大「一走了之」。
你也可以找個 Bankruptcy Trustee 向法庭申請破產。法院收扣你的資產後, discharge 你的稅局債務，你便無債一身輕，重頭做人。
要Keep 10年Statement都麻煩，唔Keep或者漏咗就真係1000萬Tax！
加正苦可以問香港銀行攞個人A/C?
咁香港正苦又可唔可以問加銀行取個人銀行A/C?
不可以，也沒有那麼多的人力物力去查核數以億計的稅務帳戶。
不過，加拿大和一百多個國家有「稅務條約」 international tax treaties（包括中、港、台在內），彼此税局之間互相交換資訊。如此，可減少各國人士逃稅，也避免「雙重税收」。比方說，你是演藝圈人士，去各國巡迴演出，如果沒有這些國際稅務條約，後果真的是一塌糊塗。
如果我系北朝鲜有收入，加拿大税局又是否能够查到？
😂😂😂咁你有定無先？加拿大唔查你，不過金仔會查你
大家好，如我有一物業在香港給家人住，是不是可報principal residence而將來賣掉是不用交capital gain tax? 謝謝
這個問題比較複雜，從字裏行間看到你好像在不同地方都擁有物業，單從你提供的資料很難決定。由於牽涉個別例子和個人稅務資料，不方便在此詳細回覆，以免提供錯誤資料，請明白和原諒。若然有需要專業意見，可直接聯絡 Terence Chan (info@cclpca.ca)
你唔係自住又點算pr?
咁又係。加拿大福利好 主要因為稅制。如果諗住唔報 對其他人唔公平 罰都應當
電匯一萬以下係咪代表稅局唔知呢? 咁10萬分開11次咪得?
你當稅局傻? 一樣照查你
唔好以為根足字面要求就無事,佢要懷疑你就做咩都得
加拿大銀行 所有五千以上或螞蟻搬家的交收都有備案 其他地方也有類似反黑銀機制
睇嚟都係澳洲好啲
物業在內地，加拿大稅局知道嗎？
👍
好複雜，如果去加拿大之前請個稅務師，有咩介紹
可聯絡 Terence Chan info@cclcpa.ca
你好，如果海外資產暫時未過100,000加幣，未知將來會否升值。那麽還需要申報嗎,而且是否都需要估價師證明資產並不超過$100,000?？
如一直都不超過100,000加幣，是否就不用找方法主動申報？他日變賣的話，需要報為海外收入嗎？謝謝你
基本原則是，假如海外資產一直不超過10萬加元的話，是不須要申報，但資產產生的海外收入 (income)，例如股息，則須要申報，詳細情形，請徵詢專業會計師意見。
@beyondKOL 請問非加拿大人並且從未居住在加拿大，他的股份被某受托的加拿大公司在加拿大賣掉，他賣掉股份的錢是否要納稅給加拿大政府?
@beyondKOL Long time ago, Manulife floated herself into stock markets worldwide at the same day. A policyholder of Manulife HK got the Manulife share and the policyholder authorised Manulife HK to be his/her trustee to sell the Manulife share while the policyholder regarded that the trustee, Manulife HK, would sell the policyholder's share in HK. However, the trustee, Manulife, sold the policyholder's Manulife shares in Canada. Manulife deducted 25% tax from the proceeds of the sales of the Manulife shares after the sales of the Manulife while the policyholder has never been a Canadian and has never lived in Canadian. How come a Canadian who lives outside Canadian is entitled not to pay tax to Canadian under his/her non-taxation Canadian??!!! It seems that it was so ridiculous.
@@victorleung8864 要，稅率為 25% non-resident tax.
不過，毋須你申報，因為加拿大銀行或信托公司會把你的售價扣起四份一，滙給税局，然後其餘的才是你的。
如果你賣的是不動產的話（房屋），你的代表律師要替你扣起售價的 25%交給稅局。
@@barrhavener 我祇以為宏利會在香港股市賣我的股份，沒料到宏利在加拿大賣我的股份的。為何宏利全球同步上市，不在我買保單的地方來出售我的股份，而轉移到加拿大股市來出售我的股份?這才是我的問題的重點。
另外，加拿大人不居住在加拿大可以不納收入稅給加拿大政府，但加拿大要1個從未踏足加拿大的非加拿大人納稅給加拿大政府嗎?這是什麼道理呢?
講解有益. 惟英文可否同時用中文. 免專業名詞不理解.
明白，會改善，希望可以中英文對照
現金是否要報資產？
放在銀行的現金都是資產的一部分
若有證據證明到收入是經投資支出後，才收回來的收入，請問加拿大政府會怎樣抽稅?
不太肯定問題，可否略作澄清？
@beyondKOL 我是說:"若我有證據證明我每次轉錢出外作投資用途，然後投資有收益，就轉錢回到我的加拿大銀行戶口。
再到有投資機會時，再轉錢出外作投資用途，然後投資獲利，就轉錢回到我的加拿大銀行戶口。如此類推...
我每次轉錢出外作投資用途都有證據。請問怎樣納稅給加拿大政府的呢?"
@@victorleung8864 攪咁多做乜，在任何地方，投資獲利，都是「要交稅的入息 」(Taxable Income). 外國投資，你要交外國政府的稅，也要交加拿大政府的稅，(不過，你交了外國稅後，加拿大稅局有多少 Foreign Tax Credit 俾你） 。 而且，兩邊銀行及投資公司一定在滙率上及手續費上「作」你一筆。
最簡單最低稅的，是去銀行開個免稅戶囗 Tax Free Savings Account (TSFA)，或買 RRSP 扣稅，或替你兒女買教育基金 (RESP) 。
你再是「大疊水」的話，去銀行找個金融服務顧問 (Financial Advisor) ，替你以互惠基金 Mutual Fund 方式，投資世界各地各行各業的股市、債券、金融市場等。你也可以去開個股票戶口，自己直接賣出買入。
到了每年二月左右，各金融機構會寄出報稅收條 T3, T5, T5008, T1135 slips 等，你找個會計師替你申報便是。
係申報，唔係伸報。
感謝你的指正，幾個月來都沒有提出，剛剛改了錯別字，再次多謝
請問不身處加拿大的非加拿大人怎樣申請open work permit到加拿大搵工做呢?
要加拿大當地僱主替他申請Work visa
@Jo ? 多謝賜教!
有問題,怎樣聯系?
You contact Terence Chan through email info@cclcpa.ca
想請教一下，如果我在香港有間公司，我需要在回加拿大之前幫公司做一個valuation 嗎？
您將需要進行估價。在為報稅和外國資產報告方面，主動業務和被動業務之間會有區別。建議您諮詢加拿大的會計師.
我想搵Terence Chan 幫手，請問如何可以聯絡 Terence？
You can Google His company CCL Chartered Professional Accountant or contact Terence Chan directly at info@cclcpa.ca
問亞疍啦！
隱約聽聞過(不知詳情)關於他在加拿大漏報稅引致很麻煩差啲破產， 當時 覺得咁誇張。 聽完呢條片之後就明白了。
@@又見炊煙.2大把大陸貪官子女唔報，根本查唔到，我有親戚在加拿大申請類似綜援，大陸有七八個物業….
想問儲蓄保險入面既資產計唔計？因為拎個陣係當收入。
基本上是當作資產計，如何計，請看下星期一個新的video（現正做editing），Terence Chan 會再解釋
請教吓， 我在港買了分紅人壽保險，我死後保險公司賠的錢，要交capital gain tax 嗎？
問題會轉達Terence Chan，但由於現在是報稅高峰期，可能要等到5月才回覆，不便之處，敬請原諒
No
請問非加拿大人並且從未居住在加拿大，他的股份被某受托的加拿大公司在加拿大賣掉，他賣掉股份的錢是否要納稅給加拿大政府?
你都不是加拿大居民，做乜想要交加拿大稅啫？交稅係居民的責任呀😀
@Jo 多年前，宏利作全球同步上市時，我這個非加拿大人的香港宏利保單持有人授權香港宏利出售我的宏利股份，但宏利卻在加拿大出售我的宏利股份，並且扣除25%稅給加拿大政府的。我是被夾硬納稅給加拿大政府的。那時，我從未踏足加拿大的。
万税国，谨慎。
香港同加拿大唔係都係CRS compliant架咩？點隱瞞？
作为会计
銀行突然有筆錢 話係屋企人被 唔關收入事 會唔會有麻煩🙏🏻
Yes, you have to proof the source
要有证明，至于什么具体证明，其实你可以直接打电话或去税局咨询的
很多人在美國做生意，欠美國政府幾百萬稅，賣掉房子，回流香港，這兩夫妻在深圳住豪華它，天天和老婆去嘆茶，他以前在中文大學任經濟學教授，有著作，這樣的人格，教壞學生！不提他名字
😍
請問Terence個email.？ 謝謝
info@cclcpa.ca
加拿大呢種稅制，做生意好難，根本不鼓勵人發達
咁又唔係。七十年代，一位安省警察，在 Hamilton 開了一間咖啡店，店名叫 Tim Hortons.
今日，做到全國都有咖啡店。發達之後，那位差佬 (名叫 Ron Joyce) 炒了安省政府 OPP 的魷魚印印腳矣。
1993 年，一對來自台灣的夫妻，在 BC 省的本那比市，以他們兩個女的名字，開了一間雜貨店 T & T 大統華超市，他們的經營理念，是跟西人超級市場的經營方式去「揸正來做」和其他唐人雜貨店有別。2009 年，以二億元賣給 Loblaws 公司。今日，全國都有分店。
大把人搵到錢你都唔知。
@@barrhavener 相比低稅制地方而言，機會係少d, 至少－般人係
😂講個笑話，原本移民加拿大就係因為我乜都無，NLM，移民後有一日發現原來我係誠哥個私生子喔，你話點算？
建議去睇神經科醫生，加拿大有全民醫療保險。
@@phantomphoenix007 太多香港來嘎白卡
放棄加籍返大陸住啦！
吹得咁大 成千萬稅🤣
扮唔識英文，扮儍，甚么都不知道，唔关我事 😄
你真的是戇居！！加拿大各級政府員工有幾十萬人之多，講甚麼話的執法人員都有，你不識英文，只識非州土語 Zulu Language, 絕對沒有問題。你犯了法，一様可以告到你甩褲！
美政府醒目，所有部门都有翻譯，不識法也没关系，政府第一件事便会见議你顧用律師和会计師。没钱请專業也不是问题，税局会根據自己资料罚，你付款便成。不付，凍结你银行户口，餓死你。逃税，休想入籍，当公務员也不成。
@@andylam2523 對，這是因為税務法庭和其他法庭並不相同，稅務問題上並非「無罪推定原則」 (Innocent until proven guilty) , ，而是剛好相反，你要提出證據你不欠稅，否則，稅局有權「評估」你的應交稅項。因為在憲法上，每個居民都有義務納稅（外交官除外），故此一上稅務法庭，法官是當你欠税，直到你能提供証據 (例如賬目、收據、收銀機發票等）為止。
如何評估？政府有很多關於你的資料，例如你買架名貴汽車 (法拉利或林寶堅尼之類），而你申報的的收入很低，錢從何來？或者「入息和生活方式不相稱」等等。
請問non resident嘅銀行利息是否要報稅？銀行寄了T5給我，我應該怎麼辦呢？非居民有沒有免稅額的？