{"id":1309,"date":"2026-06-06T10:02:51","date_gmt":"2026-06-06T10:02:51","guid":{"rendered":"https:\/\/lets-canada.com\/%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e7%a8%85%e5%8b%99%e6%8c%87%e5%8d%97-2024%ef%bd%9c%e6%89%80%e5%be%97%e7%a8%85%e7%94%b3%e5%a0%b1%ef%bd%9c%e5%85%8d\/"},"modified":"2026-09-16T09:17:14","modified_gmt":"2026-09-16T09:17:14","slug":"%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e7%a8%8e%e5%8a%a1%e6%8c%87%e5%8d%97-2024%ef%bd%9c%e6%89%80%e5%be%97%e7%a8%8e%e7%94%b3%e6%8a%a5%ef%bd%9c%e5%85%8d","status":"publish","type":"post","link":"https:\/\/lets-canada.com\/zh\/%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e7%a8%8e%e5%8a%a1%e6%8c%87%e5%8d%97-2024%ef%bd%9c%e6%89%80%e5%be%97%e7%a8%8e%e7%94%b3%e6%8a%a5%ef%bd%9c%e5%85%8d\/","title":{"rendered":"\u52a0\u62ff\u5927\u7a0e\u52a1\u6307\u5357\uff082026\uff09\uff1a\u9996\u6b21\u62a5\u7a0e\u3001\u798f\u5229\u4e0e 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loading=\"lazy\"><figcaption>\u4e2a\u4eba\u8d22\u52a1\u60c5\u5883\u793a\u610f\uff0c\u975e CRA \u62a5\u7a0e\u753b\u9762\u3001\u94f6\u884c\u63a8\u8350\u6216\u771f\u4eba\u7a0e\u52a1\u6848\u4f8b\u3002\u7167\u7247\u4e8e 2024 \u5e74\u53d1\u5e03\uff1a<a href=\"https:\/\/unsplash.com\/photos\/a-person-sitting-in-a-chair-with-a-laptop-and-a-credit-card-ShB9pI4mpRg\">SumUp \/ Unsplash<\/a>\uff0c\u4f9d <a href=\"https:\/\/unsplash.com\/license\">Unsplash License<\/a> \u4f7f\u7528\u3002<\/figcaption><\/figure>\n<p>\u300c\u4f4f\u6ee1 183 \u5929\u624d\u8981\u62a5\u7a0e\u300d\u5e76\u4e0d\u6b63\u786e\uff1a\u5efa\u7acb\u91cd\u8981\u5c45\u4f4f\u8054\u7cfb\u8005\u53ef\u80fd\u66f4\u65e9\u6210\u4e3a\u5c45\u6c11\uff1b\u6ca1\u6709\u8fd9\u4e9b\u8054\u7cfb\u3001\u4f46\u4e00\u5e74\u5728\u52a0\u62ff\u5927\u505c\u7559\u8fbe 183 \u5929\u8005\uff0c\u53ef\u80fd\u9002\u7528 deemed resident\uff08\u89c6\u540c\u5c45\u6c11\uff09\u89c4\u5219\u3002\u7a0e\u52a1\u534f\u5b9a\u53ca\u5176\u5c45\u6c11\u5224\u5b9a\u4e5f\u53ef\u80fd\u6539\u53d8\u7ed3\u679c\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/deemed-residents.html\">CRA \u89c6\u540c\u5c45\u6c11\u8bf4\u660e<\/a>\u53e6\u5217\u5168\u5e74\u5168\u7403\u6240\u5f97\u53ca\u8054\u90a6\u9644\u52a0\u7a0e\u7b49\u5904\u7406\uff0c\u4e0d\u80fd\u628a\u8fd9\u7c7b\u60c5\u51b5\u76f4\u63a5\u5957\u7528\u5230\u4e00\u822c\u5165\u5883\u5e74\u5ea6\u7684\u90e8\u5206\u5e74\u5ea6\u5c45\u6c11\u3002<\/p>\n<h4>\u9996\u6b21\u7533\u62a5\uff1a\u5148\u5206\u6536\u5165\u671f\u95f4\uff0c\u518d\u6838\u5bf9\u6d41\u7a0b\u4e0e\u798f\u5229<\/h4>\n<p>\u6210\u4e3a\u5c45\u6c11\u7684\u5165\u5883\u5e74\u5ea6\uff0c\u901a\u5e38\u987b\u4ee5\u52a0\u5143\u7533\u62a5\u5c45\u6c11\u671f\u95f4\u7684\u5168\u7403\u6240\u5f97\uff1b\u6210\u4e3a\u5c45\u6c11\u4e4b\u524d\u5219\u6309\u89c4\u5219\u7533\u62a5\u7279\u5b9a\u52a0\u62ff\u5927\u6765\u6e90\u6240\u5f97\u3002\u5c45\u4f4f\u52a0\u62ff\u5927\u4e4b\u524d\u7684\u5883\u5916\u6240\u5f97\u901a\u5e38\u4e0d\u56e0\u6b64\u53d8\u6210\u52a0\u62ff\u5927\u5e94\u7a0e\u6240\u5f97\uff0c\u4f46\u53ef\u80fd\u4ecd\u987b\u63d0\u4f9b\u8d44\u6599\u4ee5\u8ba1\u7b97\u798f\u5229\u6216\u62b5\u514d\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants\/completing-return-newcomers.html\">CRA \u65b0\u5c45\u6c11\u7533\u62a5\u6307\u5f15<\/a>\u533a\u5206\u8fd9\u4e9b\u671f\u95f4\uff1b\u4e0d\u53ef\u628a\u300c\u9700\u8981\u586b\u5199\u6536\u5165\u8d44\u6599\u300d\u7b49\u540c\u300c\u5168\u90e8\u90fd\u8981\u5728\u52a0\u62ff\u5927\u8bfe\u7a0e\u300d\uff0c\u4e5f\u4e0d\u80fd\u4fdd\u8bc1\u6d77\u5916\u5df2\u7f34\u7a0e\u5c31\u514d\u7533\u62a5\u3002\u8de8\u5883\u8d44\u4ea7\u3001\u534f\u5b9a\u6216\u5916\u56fd\u7a0e\u989d\u62b5\u514d\u6d89\u53ca\u4e2a\u522b\u6761\u4ef6\uff0c\u53ef\u5e26\u5b8c\u6574\u8bb0\u5f55\u8bf7\u5408\u8d44\u683c\u4e13\u4e1a\u4eba\u58eb\u534f\u52a9\u3002<\/p>\n<p>\u4e2a\u4eba\u901a\u5e38\u4ee5 SIN \u7533\u62a5\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/about-your-tax-return\/tax-return\/completing-a-tax-return\/personal-address-information\/social-insurance-number.html\">CRA \u7684 SIN \u8bf4\u660e<\/a>\u8981\u6c42\u6709\u8d44\u683c\u8005\u5411 Service Canada \u7533\u8bf7\uff1b\u4e0d\u662f\u6240\u6709\u4e34\u65f6\u5c45\u6c11\u90fd\u6539\u7528\u4e34\u65f6\u7a0e\u53f7\u3002\u65e0\u6cd5\u53d6\u5f97 SIN \u8005\uff0cCRA \u7684<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants.html\">\u65b0\u5c45\u6c11\u7a0b\u5e8f<\/a>\u53ef\u80fd\u9002\u7528 TTN\uff1b\u7279\u5b9a\u4e0d\u5177 SIN \u8d44\u683c\u7684\u975e\u5c45\u6c11\u5219\u53ef\u4f9d<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents-tax\/in-outside-canada\/apply-individual-tax-number.html\">ITN \u7a0b\u5e8f<\/a>\u7533\u8bf7\u3002\u5df2\u83b7 SIN\uff0fITN\uff0fTTN \u8005\u5e94\u4f9d\u89c4\u5219\u6cbf\u7528\uff0c\u4e0d\u80fd\u91cd\u590d\u9020\u53f7\u6216\u501f\u7528\u4ed6\u4eba\u53f7\u7801\u3002\u6ca1\u6709\u53f7\u7801\u800c\u9700\u7533\u62a5\u65f6\uff0c\u53ef\u6309 CRA \u6307\u793a\u4ea4\u7eb8\u672c\u3001\u9644\u672a\u6709 SIN \u7684\u539f\u56e0\u53ca\u8eab\u4efd\u6587\u4ef6\uff0c\u4e0d\u5e94\u81ea\u884c\u8ba4\u5b9a\u53ef\u4ee5\u4e0d\u7533\u62a5\u3002<\/p>\n<p>\u9996\u6b21\u62a5\u7a0e\u4e0d\u7b49\u4e8e\u4e00\u5f8b\u4e0d\u80fd\u7f51\u62a5\u3002\u662f\u5426\u53ef\u7528 NETFILE\uff0c\u8981\u6838\u5bf9\u7533\u62a5\u5e74\u5ea6\u3001\u7a0e\u53f7\u53ca\u4e2a\u4eba\u60c5\u51b5\uff1b<a href=\"https:\/\/www.canada.ca\/en\/services\/taxes\/income-tax\/personal-income-tax\/how-file\/tax-software\/send-return\/netfile.html\">CRA \u7684\u73b0\u884c\u8d44\u683c\u4e0e\u9650\u5236<\/a>\u5217\u51fa\u53ef\u7528\u7684 SIN\u3001\u90e8\u5206 TTN\uff0c\u4ee5\u53ca\u89c6\u540c\u5c45\u6c11\u7b49\u4e0d\u9002\u7528\u60c5\u51b5\u3002\u9009\u62e9\u652f\u6301\u81ea\u8eab\u60c5\u51b5\u7684\u8ba4\u8bc1\u8f6f\u4ef6\uff0c\u82e5\u4e0d\u7b26\u5408\u5728\u7ebf\u6761\u4ef6\uff0c\u5c31\u6539\u7528\u9002\u7528\u7533\u62a5\u65b9\u5f0f\u3002Qu\u00e9bec \u7684\u7701\u7ea7\u5728\u7ebf\u7cfb\u7edf\u4e0e\u8054\u90a6 NETFILE \u4e5f\u4e0d\u662f\u540c\u4e00\u9879\u670d\u52a1\u3002<\/p>\n<p>CRA \u8d26\u6237\u6ce8\u518c\u4e0e\u63d0\u4ea4\u7a0e\u8868\u662f\u4e0d\u540c\u6d41\u7a0b\u3002\u6309<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/e-services\/cra-login-services\/register-cra-sign-in-services.html\">CRA \u73b0\u884c\u6ce8\u518c\u6307\u5f15<\/a>\uff0c\u4ee5 CRA \u767b\u5f55\u8d44\u6599\u6216 Sign-In Partner \u65b0\u6ce8\u518c\uff0c\u987b\u5df2\u7533\u62a5\u5f53\u5e74\u6216\u524d\u4e00\u7a0e\u5e74\uff0c\u5e76\u6309\u6700\u8fd1\u5df2\u8bc4\u7a0e\u7684\u7a0e\u8868\u8d44\u6599\u9a8c\u8bc1\uff1b\u4ece\u672a\u7533\u62a5\u8005\u4e0d\u80fd\u76f4\u63a5\u5957\u7528\u8fd9\u4e24\u79cd\u6ce8\u518c\u65b9\u5f0f\u3002Alberta\uff0fBC \u7684 provincial partner \u8def\u5f84\u53e6\u6709\u65e0\u9700\u5148\u524d\u7a0e\u8868\u7684\u9009\u9879\u53ca\u8d44\u683c\u6761\u4ef6\u3002\u4e0d\u8981\u56e0\u5c1a\u672a\u5efa\u7acb\u8d26\u6237\uff0c\u5c31\u628a\u7533\u62a5\u671f\u9650\u5f80\u540e\u5ef6\u3002<\/p>\n<p>\u52a0\u62ff\u5927\u4e2a\u4eba\u6240\u5f97\u7a0e\u6d89\u53ca\u8054\u90a6\u53ca\u7701\uff0f\u5730\u533a\u90e8\u5206\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants.html\">CRA \u7684\u5236\u5ea6\u8bf4\u660e<\/a>\u6db5\u76d6\u5927\u591a\u6570\u7701\u533a\uff1b\u82e5\u5728\u7a0e\u5e74 12 \u6708 31 \u65e5\u5c45\u4f4f Qu\u00e9bec\uff0c<a href=\"https:\/\/www.revenuquebec.ca\/en\/citizens\/your-situation\/new-residents\/income-tax-return\/\">Revenu Qu\u00e9bec \u65b0\u5c45\u6c11\u6307\u5f15<\/a>\u8bf4\u660e\u987b\u5411 CRA \u4e0e Revenu Qu\u00e9bec \u5206\u522b\u7533\u62a5\u3002\u4e0d\u8981\u628a\u4e00\u5f20\u8054\u90a6\u7a0e\u8868\u5f53\u6210\u6db5\u76d6\u6240\u6709\u7701\u7ea7\u7a0b\u5e8f\uff0c\u4e5f\u4e0d\u8981\u628a\u7a0e\u7c4d\u5c45\u4f4f\u7701\u4efd\u76f4\u63a5\u7b49\u540c\u6700\u65e9\u5165\u5883\u7684\u673a\u573a\u6240\u5728\u5730\u3002<\/p>\n<p>\u4ee5\u4e0b\u65e5\u671f\u662f\u5df2\u8fc7\u53bb\u7684 2025 \u6240\u5f97\u5e74\u5ea6\u7533\u62a5\u671f\u9650\uff1a\u4e00\u822c\u4e2a\u4eba\u4e3a 2026 \u5e74 4 \u6708 30 \u65e5\uff1b\u672c\u4eba\u6216\u914d\u5076\uff0f\u540c\u5c45\u4f34\u4fa3\u7b26\u5408\u81ea\u96c7\u6761\u4ef6\u8005\uff0c\u901a\u5e38\u4e3a 6 \u6708 15 \u65e5\uff0c\u4f46\u6b20\u7a0e\u4ecd\u987b\u5728 4 \u6708 30 \u65e5\u652f\u4ed8\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/important-dates-individuals\/filing-dates-tax-return.html\">CRA \u671f\u9650\u8868<\/a>\u53e6\u5217\u4e3b\u8981\u6d89\u53ca tax shelter \u6295\u8d44\u7684\u4e1a\u52a1\u53ca\u6b7b\u4ea1\u7b49\u7279\u6b8a\u60c5\u51b5\u3002\u4e0d\u8981\u628a\u81ea\u96c7\u7684\u8f83\u665a\u7533\u62a5\u65e5\u5f53\u6210\u5ef6\u540e\u7f34\u7a0e\u65e5\uff1b\u6f0f\u62a5\u6216\u6b20\u7a0e\u5e94\u5c3d\u5feb\u786e\u8ba4\u5e76\u5904\u7406\uff0c\u8fd9\u4e9b\u65e5\u671f\u4e5f\u4e0d\u662f\u4e0b\u4e00\u4e2a\u5e74\u5ea6\u7684\u65b0\u622a\u6b62\u65e5\u3002<\/p>\n<p>\u62a5\u7a0e\u4e0d\u4fdd\u8bc1\u9000\u7a0e\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/educational-programs\/after-sending-tax-return.html\">CRA \u8bc4\u7a0e\u901a\u77e5\u8bf4\u660e<\/a>\u5217\u51fa\u9000\u7a0e\u3001\u6b20\u7a0e\u6216\u96f6\u7ed3\u4f59\u4e09\u79cd\u7ed3\u679c\uff1b\u9000\u7a0e\u662f\u8bc4\u7a0e\u540e\u7684\u7a0e\u52a1\u7ed3\u7b97\uff0c\u5e76\u4e0d\u7b49\u540c\u653f\u5e9c\u798f\u5229\u3002\u6536\u5230 notice of assessment \u540e\uff0c\u5e94\u6838\u5bf9\u6536\u5165\u3001\u6263\u9664\u3001\u62b5\u514d\u53ca CRA \u7684\u8c03\u6574\u539f\u56e0\uff0c\u4fdd\u5b58\u7533\u62a5\u7248\u672c\u4e0e\u8bc1\u660e\u3002\u4e0d\u8981\u628a\u5e7f\u544a\u4e2d\u7684\u4f30\u8ba1\u9000\u7a0e\u989d\u5f53\u6210\u786e\u5b9a\u53ef\u9886\u6b3e\u9879\u3002<\/p>\n<p>\u798f\u5229\u53e6\u5916\u6709\u8d44\u683c\u4e0e\u7533\u8bf7\u6761\u4ef6\uff0c\u5e76\u975e\u53ea\u8981\u62a5\u7a0e\u5c31\u80fd\u9886\u53d6\u3002\u81ea 2026 \u5e74 7 \u6708\u8d77\uff0c<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/child-family-benefits\/canada-groceries-essentials-benefit.html\">Canada Groceries and Essentials Benefit\uff08CGEB\uff09<\/a>\u53d6\u4ee3 GST\/HST credit\u3002\u5176<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/child-family-benefits\/canada-groceries-essentials-benefit\/who-eligible.html\">\u8d44\u683c<\/a>\u6d89\u53ca\u4ed8\u6b3e\u524d\u4e00\u4e2a\u6708\u53ca\u4ed8\u6b3e\u6708\u5f00\u59cb\u65f6\u7684\u52a0\u62ff\u5927\u7a0e\u52a1\u5c45\u6c11\u8eab\u4efd\u3001\u5e74\u9f84\uff0f\u5bb6\u5ead\u6761\u4ef6\u4e0e\u8c03\u6574\u540e\u5bb6\u5ead\u51c0\u6536\u5165\uff1b\u4e0d\u80fd\u53ea\u51ed\u65b0\u79fb\u6c11\u8eab\u4efd\u5224\u5b9a\u7b26\u5408\u3002\u65b0\u5c45\u6c11\u5728\u9996\u6b21\u7a0e\u8868\u5230\u671f\u524d\u4e5f\u53ef\u80fd\u6309<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants.html\">CRA \u65b0\u5c45\u6c11\u798f\u5229\u7a0b\u5e8f<\/a>\u7533\u8bf7\uff0c\u4e0d\u5fc5\u4e00\u5f8b\u7b49\u5230\u9996\u6b21\u5e74\u5ea6\u7533\u62a5\u5b8c\u6210\u3002<\/p>\n<p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/child-family-benefits\/canada-child-benefit\/who-apply.html\">Canada Child Benefit\uff08CCB\uff09<\/a>\u5219\u8981\u6c42\u4e0e\u672a\u6ee1 18 \u5c81\u5b50\u5973\u540c\u4f4f\u3001\u4e3b\u8981\u8d1f\u8d23\u7167\u987e\u3001\u7b26\u5408\u7a0e\u52a1\u5c45\u6c11\u7b49\u6761\u4ef6\uff0c\u4e14\u672c\u4eba\u6216\u914d\u5076\uff0f\u540c\u5c45\u4f34\u4fa3\u987b\u7b26\u5408\u6307\u5b9a\u8eab\u4efd\u7c7b\u522b\u3002\u4ee5\u4e34\u65f6\u5c45\u6c11\u8d44\u683c\u7533\u8bf7\u65f6\uff0c\u8fd8\u6d89\u53ca\u6b64\u524d\u5728\u52a0\u62ff\u5927\u5c45\u4f4f 18 \u4e2a\u6708\u53ca\u7b2c 19 \u4e2a\u6708\u6301\u6709\u6548\u8bb8\u53ef\u7b49\u6761\u4ef6\uff1b\u8bb8\u53ef\u4e0d\u5f97\u8f7d\u6709\u4e0d\u8d4b\u4e88\u4e34\u65f6\u5c45\u6c11\u8eab\u4efd\u7684\u9650\u5236\u7528\u8bed\u3002\u8fd9\u4e0d\u662f\u6240\u6709\u6301\u5b66\u7b7e\u6216\u5de5\u7b7e\u5bb6\u5ead\u7acb\u5373\u53ef\u9886\u7684\u7ed9\u4ed8\u3002\u5bb6\u5ead\u6536\u5165\u3001\u76d1\u62a4\u53ca\u8eab\u4efd\u53d8\u5316\u4e5f\u53ef\u80fd\u5f71\u54cd\u8d44\u683c\u6216\u91d1\u989d\u3002<\/p>\n<h4>TFSA \u4e0e RRSP\uff1a\u5148\u7b97\u81ea\u5df1\u7684\u989d\u5ea6\uff0c\u518d\u51b3\u5b9a\u5b58\u5165<\/h4>\n<p>TFSA \u5e76\u4e0d\u662f\u5355\u4e00\u6295\u8d44\u4ea7\u54c1\uff0c\u4e5f\u4e0d\u662f\u4eba\u4eba\u4e00\u5165\u5883\u5c31\u53d6\u5f97\u5168\u90e8\u5386\u53f2\u989d\u5ea6\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/tax-free-savings-account\/opening.html\">CRA \u5f00\u6237\u89c4\u5219<\/a>\u4ee5\u5e74\u6ee1 18 \u5c81\u3001\u6709\u6548 SIN \u53ca\u52a0\u62ff\u5927\u5c45\u6c11\u7b49\u6761\u4ef6\u8bf4\u660e\u5c45\u6c11\u5f00\u6237\uff1b\u90e8\u5206\u7701\u533a\u987b\u6ee1 19 \u5c81\u624d\u80fd\u7b7e\u7ea6\u5f00\u6237\uff0c\u4f46\u7b26\u5408\u6761\u4ef6\u8005 18 \u5c81\u5e74\u5ea6\u7684\u989d\u5ea6\u53ef\u4fdd\u7559\u3002\u65b0\u5c45\u6c11\u4e0d\u80fd\u8865\u62ff\u5148\u524d\u975e\u5c45\u6c11\u5e74\u4efd\u7684\u989d\u5ea6\u3002\u975e\u5c45\u6c11\u53ef\u4ee5\u6301\u6709\u65e2\u6709 TFSA\uff0c\u4e0d\u4ee3\u8868\u53ef\u4ee5\u514d\u7a0e\u7ee7\u7eed\u4f9b\u6b3e\uff1b\u4e0d\u80fd\u53ea\u4ee5\u94f6\u884c\u613f\u610f\u6536\u6b3e\u5224\u5b9a\u7a0e\u52a1\u8d44\u683c\u3002<\/p>\n<p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/tax-free-savings-account\/contributing\/calculate-room.html\">CRA \u516c\u5e03\u7684 2026 \u5e74 TFSA \u5e74\u5ea6\u9650\u989d\u4e3a CAD 7,000<\/a>\uff0c\u4f46\u5e74\u5ea6\u9650\u989d\u4e0d\u7b49\u4e8e\u6bcf\u4e2a\u4eba\u7684\u5373\u65f6\u5269\u4f59\u989d\u5ea6\u3002\u5b9e\u9645\u8ba1\u7b97\u987b\u8003\u8651\u7b26\u5408\u8d44\u683c\u5e74\u5ea6\u7684\u672a\u7528\u989d\u5ea6\u3001\u5f53\u5e74\u9002\u7528\u5e74\u5ea6\u989d\u5ea6\u3001\u53bb\u5e74\u63d0\u53d6\u53ca\u4eca\u5e74\u4f9b\u6b3e\uff0c\u5e76\u5408\u5e76\u6240\u6709\u91d1\u878d\u673a\u6784\u7684 TFSA\u3002CRA \u8d26\u6237\u4e0d\u662f\u5373\u65f6\u4ea4\u6613\u8d26\u672c\uff1a\u91d1\u878d\u673a\u6784\u6309\u5e74\u5ea6\u62a5\u9001\u8d44\u6599\uff0c\u4eca\u5e74\u5b58\u5165\u7684\u6b3e\u9879\u53ef\u80fd\u5c1a\u672a\u663e\u793a\u3002\u6bcf\u6b21\u4f9b\u6b3e\u524d\u5e94\u7528\u81ea\u5df1\u7684\u5168\u90e8\u4f9b\u6b3e\uff0f\u63d0\u53d6\u8bb0\u5f55\u6838\u7b97\uff0c\u5fc5\u8981\u65f6\u5411\u91d1\u878d\u673a\u6784\u67e5\u660e\u5dee\u5f02\u3002<\/p>\n<p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/tax-free-savings-account\/contributing\/before.html\">TFSA \u4f9b\u6b3e\u524d\u6307\u5f15<\/a>\u8bf4\u660e\uff0c\u63d0\u53d6\u901a\u5e38\u5230\u4e0b\u4e00\u4e2a\u516c\u5386\u5e74\u5ea6\u624d\u52a0\u56de\u53ef\u7528\u989d\u5ea6\uff1b\u540c\u5e74\u518d\u5b58\u5165\u4ecd\u987b\u6709\u8db3\u591f\u672a\u7528\u989d\u5ea6\u3002\u6295\u8d44\u5347\u8dcc\u4e0d\u662f\u53e6\u52a0\u4f9b\u6b3e\u7a7a\u95f4\u7684\u7406\u7531\u3002\u6210\u4e3a\u975e\u5c45\u6c11\u540e\u4f9b\u6b3e\u901a\u5e38\u4f1a\u4ea7\u751f\u6bcf\u6708 1% \u7a0e\uff0c\u5408\u8d44\u683c\u8f6c\u79fb\u6216\u7279\u5b9a\u8c41\u514d\u4f9b\u6b3e\u53e6\u6709\u4f8b\u5916\uff1b\u8d85\u989d\u4f9b\u6b3e\u4e5f\u53ef\u80fd\u8bfe\u7a0e\u3002\u4e0d\u8981\u628a\u300cTFSA\u300d\u7684\u514d\u7a0e\u540d\u79f0\u7406\u89e3\u6210\u4efb\u4f55\u4ea4\u6613\u90fd\u514d\u7a0e\u6216\u6ca1\u6709\u635f\u5931\u98ce\u9669\u3002<\/p>\n<p>RRSP \u4f9d\u53e6\u4e00\u5957\u89c4\u5219\u8ba1\u7b97\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/contributing-a-rrsp-prpp\/contributions-affect-your-rrsp-prpp-deduction-limit.html\">CRA \u7684\u989d\u5ea6\u516c\u5f0f<\/a>\u4e00\u822c\u628a\u524d\u4e00\u5e74\u5ea6 earned income\uff08\u6309\u7a0e\u6cd5\u5b9a\u4e49\u7684\u6536\u5165\uff09\u7684 18% \u4e0e\u5e74\u5ea6\u4e0a\u9650\u53d6\u8f83\u4f4e\u8005\uff0c\u518d\u8003\u8651\u672a\u7528\u6263\u9664\u989d\u5ea6\u53ca pension adjustment\u3001\u76f8\u5173\u51b2\u56de\u6216\u8fc7\u5f80\u670d\u52a1\u8c03\u6574\u3002\u4e0d\u662f\u7528\u4eca\u5e74\u85aa\u8d44\u81ea\u884c\u4e58 18% \u5c31\u53ef\u7acb\u523b\u5b58\u5165\uff0c\u4e5f\u4e0d\u80fd\u628a TFSA \u7684\u5c45\u6c11\u5e74\u5ea6\u989d\u5ea6\u5957\u8fc7\u6765\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants\/completing-return-newcomers.html\">CRA \u65b0\u5c45\u6c11\u6307\u5f15<\/a>\u63d0\u9192\uff0c\u9996\u6b21\u7533\u62a5\u5e74\u5ea6\u901a\u5e38\u5c1a\u65e0 RRSP \u6263\u9664\u989d\u5ea6\uff0c\u4f46\u66fe\u6709\u52a0\u62ff\u5927\u7533\u62a5\u53ca\u76f8\u5173\u6536\u5165\u8bb0\u5f55\u8005\u53ef\u80fd\u4e0d\u540c\u3002<\/p>\n<p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/contributing-a-rrsp-prpp\/where-you-find-your-rrsp-prpp-deduction-limit.html\">\u6700\u65b0\u8bc4\u7a0e\uff0f\u91cd\u8bc4\u901a\u77e5\u3001T1028 \u6216 CRA \u8d26\u6237<\/a>\u53ef\u7528\u6765\u67e5 RRSP deduction limit\u3002\u8fd9\u662f\u5f53\u5e74\u53ef\u6263\u9664\u7684\u4e0a\u9650\uff0c\u4e0d\u4e00\u5b9a\u7b49\u4e8e\u8fd8\u80fd\u65b0\u5b58\u591a\u5c11\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/contributing-a-rrsp-prpp\/what-unused-rrsp-prpp-contributions.html\">unused contributions<\/a>\u662f\u5df2\u5b58\u5165\u3001\u5c1a\u672a\u7533\u8bf7\u6263\u9664\u7684\u6b3e\u9879\uff0c\u4e0d\u662f\u5c1a\u672a\u4f7f\u7528\u7684\u5b58\u6b3e\u7a7a\u95f4\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/educational-programs\/after-sending-tax-return.html\">\u8bc4\u7a0e\u901a\u77e5\u4e0a\u7684 available contribution room<\/a>\u4f1a\u8003\u8651\u8fd9\u4e9b\u6b3e\u9879\uff1b\u4f9b\u6b3e\u524d\u8fd8\u8981\u6838\u5bf9\u901a\u77e5\u4e4b\u540e\u5df2\u5b58\u5165\u7684\u91d1\u989d\uff0c\u907f\u514d\u628a\u540c\u4e00\u4efd\u7a7a\u95f4\u7528\u4e24\u6b21\u3002\u91cd\u8bc4\u4e5f\u53ef\u80fd\u6539\u53d8\u539f\u5148\u6570\u5b57\u3002<\/p>\n<p>\u4f9d<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/educational-programs\/saving-future.html\">CRA \u6ce8\u518c\u50a8\u84c4\u8ba1\u5212\u8bf4\u660e<\/a>\uff0cTFSA \u4f9b\u6b3e\u4e0d\u80fd\u4ece\u6240\u5f97\u6263\u9664\uff0c\u800c\u7b26\u5408\u6761\u4ef6\u7684\u8d26\u5185\u6536\u5165\u53ca\u63d0\u53d6\u901a\u5e38\u514d\u7a0e\uff1bRRSP 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