产生Capital gain 的Cost 如何报税?

carroll · 发表于 2010-2-28 13:21

我用从Home LIne Credit 借的钱炒股, 有了Capital gain $10000, 借的钱付的利息 $4000 是Cost .
Capital gain 的 $10000填在T3的BOX 21,
请问借钱Cost在那个Form 里, 哪一BOX填?

carroll · 发表于 2010-3-1 11:45

没人知道吗?
难道大家都是用自己的钱炒股吗. 没人借钱炒股?

flyingpig · 发表于 2010-3-1 15:09

Capital losses can normally only be used to reduce or eliminate capital gains
. They cannot be used to reduce other income. If you have capital losses that cannot be used in the current year, you can carry back the losses to any of the 3 preceding taxation years. Capital losses can also be carried forward indefinitely. The only time they can be used to reduce other income is in the year of a taxpayer's death, or the immediately preceding year. At this time, 1/2 (50%) of the capital loss would be used to reduce other income. For more on this topic, see the Canada Revenue Agency (CRA) interpretation bulletin IT232R3 - Losses - Their Deductibility in the Loss Year or Other Years (paragraph 30).

carroll · 发表于 2010-3-2 09:16

谢谢 Tara的花时间码字回答,
不过我的问题不是关于Capital Loss, 可能我没写清楚, 这里详细的写 ---

以前看过一本书, 说的是用借的钱炒股, 利息可以作为COST. 但是书里没说具体报哪个FORM.
书中说, 你有200K CASH, 一个MORTAGE欠500K, MORTAGE的RATE是5%.
你可以
1) 200K 投入股市,挣了10%的回报. 其中一半交35%税后,  200K相当于挣了8.25%的回报.
2) 200K CASH 还MORTAGE. 这样200K相当于挣了5%的回报.
3) 200K CASH 还MORTAGE, 再从CREDIT LINE,借出 200KCASH, 借出利率5%
借的200KCASH投入股市,挣了10%的回报.
报税时, 减去借款利率5%为COST, 净挣5%的回报,
其中一半交35%税后,  200K在股市挣了4.125%的回报. 另外加上200K在MORTAGE省的MORTAGE利率, 200K共挣了9.125%.

法3),是使一份200K既在MORTAGE中还款, 又在股市挣钱.

我以前用法3), 买Interest Fund, 收到T5 Interest Income, 我用这COST抵消一部分T5 Income. 我把每月的借款帐户的Statements 邮寄给Canada Revenue, Canada Revenue认同了.
我现在的问题是,我今年买的是Equity,  这COST如何抵消一部分T3 Capital gain?

urspace · 发表于 2010-3-2 15:37

COST，EXPENSE AND GAIN/LOSS 可以是在同一个FORM里面，按照你的说法，你拿到了T3和T5，你的RELATED EXPENSES自然就应该填在SCHEDULE 4里面。

你没有必要打那么多字，我都没看完，但猜了下你的问题。

tja · 发表于 2010-3-6 11:40

请问楼主你的炒股的capital gain是要自己算，还是在银行寄给你的税收表格里有？谢谢

luxury2008 · 发表于 2010-3-13 08:33

银行会寄一份T5008, and you can claim your cost and proceeds and your commission cost(or your interest cost) in T3 detail, the third column of that.

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