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枫下茶话 / 美国话题 / 该报税了,才发现加拿大银行都没给寄T5来。我们去年7月份搬来美国,接着就都通知银行新地址了,也时常有monthly statement寄来,难道银行就是不给搬到国外的人寄T5吗?
-cc1234(moving);
2008-4-23
(#4410187@0)
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They should have sent you NR1, not T5.
-jtax(吾土吾民);
2008-4-23
(#4410434@0)
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需要寄NR1给税务局吗?
-anlu(安鲁);
2008-4-23
(#4410964@0)
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如果通知了银行的美国新地址, 你的COUNTRY 就变成US了, 银行会自动WITHHOLD 25% TAX WHEN THEY PAY INTEREST TO YOU. 而没有T5表了, 你也不用就这部分INTEREST报税了, FINAL TAX PAID ALREADY.
-xiaoxiuliang(xiaoxiu);
2008-4-24
(#4413123@0)
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It should be 10% interest if you live in the US. In 2008, CRA is not gonna collect tax on interest on non-resident account.
-kwirky(kwirky);
2008-4-24
(#4413136@0)
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yes, it is new policy for 2008. but 2007 still the old one.
-xiaoxiuliang(xiaoxiu);
2008-4-24
(#4413260@0)
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oh, can I ask you that question too, I havent researched yet. I have some interests in canada for 2007 too, do you think I just simply add the income to gross income in usa or use tax treaty claim 10% tax on that amount separately?
-xiaoxiuliang(xiaoxiu);
2008-4-24
(#4413272@0)
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add the income to the gross income and use 1116 form to claim tax credit. But there is a limit on this credit, i.e. you may not be able to claim the full amount.
-kwirky(kwirky);
2008-4-24
(#4413433@0)
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谢谢. 估计2007在加最后没有TAX, 所以就ADD TO GROSS INCOME? 我好象看到TREATY 说BANK ACCOUNT INTEREST只算10%, 怎么做呢? 还有请问我有MATERNITY EI怎样报TAX IN USA好呢? 问了无数CRA, IRS, 都没能得到答案, 告诉等15天. 谢谢了.
-xiaoxiuliang(xiaoxiu);
2008-4-25
(#4415987@0)
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你离开的时候要通知银行改地址,改account to non-resident account. 他们会寄给你NR4,如果是加比account, 应该银行已经witheld 10% interest for you. 如果没有witheld, 你写信给CRA, 并附上check. 把利息换成美元,加到gross income, 再用1116 take tax credit.
-kwirky(kwirky);
2008-4-26
(#4418284@0)
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我们有mutual fund,银行说不能用国外地址,我们就留了朋友的地址,银行说只要能保证你能收到信件,不会丢失就行。这样会有什么问题吗?
-usornot(下决心);
2008-4-27
(#4418772@0)
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mutual fund 可能要报deemed disposition when you left canada. 你如果用1040, 要给美国报全年全球的收入
-kwirky(kwirky);
2008-4-27
(#4419474@0)
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谢谢!我们都不担心报收入的问题,主要是不知道留个加拿大地址会影响nonresident status吗?
-usornot(下决心);
2008-4-27
(#4419807@0)
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Just a mailing address, you don't have a home in Canada, that's the major factor.
-kwirky(kwirky);
2008-4-29
(#4422678@0)
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thanks!
-usornot(下决心);
2008-4-29
(#4423465@0)
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good
-tiantianshui(IIIII);
2008-5-2
(#4429981@0)
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像这种情况, 银行是否分段给利息? 离开加拿大前的利息,是否应该给T5, 离开以后是否应该给NR1? 如果离开前关闭的帐户, 银行给什么表?
-kattycat(katty);
2008-4-24
(#4414161@0)
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给T5 and NR4. If you close the account, you only get T5
-kwirky(kwirky);
2008-4-27
(#4418715@0)