个人报税

基本介绍

诚信理财会计事务所是由资深会计师(CPA/CGA)团队组成的额度从事税务会计财务咨询服务的专业公司。我们服务于渥太华华人,10年已为超过5000华人解决各种税务,包括留学生报税,新移民报税,非税务加拿大投资报税,税务居民海外收入报税以及自雇人士报税等等。

服务项目

个人年度纳税(包括魁省)

在加拿大,每年4月30日是报税截止日期。每一个住在加拿大,且符合某些资格规定的人称为税务居民,无论是否在加拿大有收入,都需要对当年全球收入做申报

个人财务分析及税务筹划

通过对家庭或个人的收入结构和收入水平做分析,给出适合每个家庭或个人的税务规划以及理财计划

非税务居民纳税申报

非税务居民身份判定,离境人员非税务居民身份申请以及非税务居民纳税申报等

海外资产申报

税务居民有义务对其拥有的总值超过10万加元的海外资产向加拿大税务局(CRA)进行申报

福利申请

加拿大社会福利范围广泛,有各种补贴、福利、保险计划,可根据客户实际情况和需求,代为评估和申请

房地产税务筹划

税务居民或非税务居民出租房收入/房屋买卖/自住转出租/出租转自住/新建房消费税(GST/HST)返利等税务问题

个人案例

Young couple purchase first home together at 94% LTV

The client: A young couple looking to purchase their first home together. One applicant is already a homeowner and landlord with two rental properties, the other still lives at home with her parents.

The property:
The couple had their sights set on a two-bed flat in Surrey valued at £405,000. The flat itself is on the top floor of a 14-storey block and comes with secure parking.

The finance:
The pair had managed to save up £25,000 to use as a deposit, which meant they would need to secure a mortgage at 94% loan to value. The main challenge with this case was finding a lender which would accept an applicant with buy to let properties in the background.

The application process:
We decided to approach the intermediary arm of a well-known building society. This lender is currently offering very competitive home-buyer mortgage rates to landlords. A selection of the rates on offer also come with £500 cashback and a low arrangement fee of £495.

We asked the couple for three months’ bank statements, proof of address, income and identity to support the application. Within four weeks of submitting the case, a formal mortgage offer was received.

Here are the details of the offer:

Property value: £405,000

Loan amount:
£380,000

LTV:
94%

Rate:
3.65% 2 year fixed

Term:
32 years capital and interest

Lender arrangement fee:
£495

Mortgage payment:
£1,680

Consultant: Charlie London, 01732 471604

视频介绍

相关文章

文章:海外资产申报详解

很多加拿大新移民或投资移民朋友经常问到关于海外资产申报的问题,以下几方面是大家需要关注和了解的。  (一)区分税务居民和非税务居民 一般来说,您只要一年之内在加拿大居住超过183天,或您的家人居住在加拿大,你一般会被视为加拿大纳税居民。 如果您在加拿大没有居所,没有家属居住,没有驾驶证,没有健康保险,没有银行卡和信用卡,没有社交和会员活动;或者,离开加拿大境内连续两年未归,您可以申请为非纳税居民。 税法规定,加拿税务居民须向政府申报其全球所有的收入并缴纳个人所得税,这一点当然包括海外资产及相应收入的申报。

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