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most interest you pay on money you borrow for investment purposes,

but generally only if you use it to try to earn investment income, including interest and dividends. However, if the only earnings your investment can produce are capital gains, you cannot claim the interest you paid
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Replies, comments and Discussions:

  • 枫下家园 / 钱财税务 / 请问大家,买个condo给父母住,自己已经有自住房了,所以condo应该只能算投资房了吧?那么以后卖condo的时候condo贷款的利息,地税等费用能用来抵capital gain吗?
    • 不是算父母自住房么 +1
      • LZ问自己名下持有的情况
    • 我听说费用都不能扺capital gain, 只能是给房子增值的项目,希望我错了。 +1
    • 问题问法不对。第二套房子sold price减去所有开销,包括地税贷款利息等,减完之后才叫capital gain
      • 是这个意思😓
    • most interest you pay on money you borrow for investment purposes,
      but generally only if you use it to try to earn investment income, including interest and dividends. However, if the only earnings your investment can produce are capital gains, you cannot claim the interest you paid
      • 😒 +1
      • 唉,还是没有算好,早知道当时买楼花付的deposit就应该用借的钱来付,然后交房的时候就少贷点款了 +1
    • 当然不可以。贷款的利息,地税等费用抵的是房租收入。没听说过能抵gain的。 +1
      • 你说的对 +1
      • 给父母住,根本就没有房租收入,那这些费用怎么算呢 +2
    • 如果这样是不是应该按成本把房子出租给父母比较好?他们还可以claim一个房租费用 +1
      • 那你房租收入不也是要交税吗?
        • break even
          • CRA 有fair market value rent,不是你说租的多低就能多低的。 +3
      • 租给父母也是自家的钱,相当于从左手换到右手,有啥好处?
    • 给父母住算花钱自己“消费”,就像买车,什么都抵不了的。 +2