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Canadian Tax Return Basics for Newcomers to Canada

07 Mar 2023

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作为加拿大的新移民，您可能需要了解的一件重要事情是加拿大的税收制度；包括提交纳税申报表的过程。 As a newcomer to Canada, one important thing you may need to learn about is the Canadian tax system; including the process of filing a tax return.

纳税申报单是您向加拿大税务局 (CRA) 提交的文件，报告您在给定纳税年度的收入、扣除额和抵免额。提交纳税申报表很重要，因为它决定了您是否有资格获得某些福利、抵免和退款，以及您的纳税义务。 A tax return is a document that you file with the Canada Revenue Agency (CRA) that reports your income, deductions, and credits for a given tax year. Filing a tax return is important because it determines your eligibility for certain benefits, credits, and refunds, as well as your tax liability.

在本文中，我们将讨论什么是纳税申报表、为什么您可能需要提交一份纳税申报表以及如何着手进行。 In this article, we will discuss what a tax return is, why you may need to file one, and how to go about doing it.

详细了解 TD 的加拿大新理财套餐 Learn more about TD’s New to Canada Banking Package

为什么要在加拿大报税？ Why file a tax return in Canada?

所以，您刚刚抵达加拿大——或计划很快抵达。也许您想知道为什么您可能需要作为新移民提交一份。即使您一年中只在加拿大居住了部分时间，如果您有工作收入、投资收入或其他收入，并且有欠税，或者如果您想申请退税，您可能需要提交纳税申报表。[ 1] 提交纳税申报表还可以让您申请您可能有资格获得的福利和抵免，例如加拿大儿童福利金或 GST/HST 抵免。 So, you have just arrived in Canada – or plan to soon. Perhaps you are wondering why you may need to file one as a newcomer. Even if you only lived in Canada for part of the year, you may need to file a tax return if you earned income such as employment, investment or other income, and have tax owing or if you want to claim a refund.[1] Filing a tax return may also allow you to claim benefits and credits that you may be eligible for, such as the Canada Child Benefit or the GST/HST credit.

纳税申报的截止日期是什么时候？ What is the deadline for tax returns?

提交纳税申报表的截止日期是每年的 4 月 30 日；但是，如果 4 月 30 日是周末，则可以延长到下一个工作日。[2] 如果您或您的配偶或同居伴侣是自雇人士，则提交截止日期为6 月 15 日。但是，如果您有纳税义务，您的付款应在 4 月 30 日到期。 The deadline for filing your tax return is April 30th of each year; however, when April 30th falls on a weekend, there is an extension to the next business day.[2] If you or your spouse or common-law partner is self-employed, the filing deadline is June 15th. However, if you have a tax liability, your payment is due April 30.

如何在加拿大报税？ How do I file a tax return in Canada?

提交纳税申报表的方式有多种，包括纸质提交或使用经过认证的税务软件进行电子提交。一种简单方便的申报方式是通过 CRA 的网站使用“我的账户”功能。如果您更喜欢纸质申报，您可以从 CRA 网站在线订购包裹或致电 CRA 1-855-330-3305。 There are several ways to file your tax return, including paper filing or e-filing using certified tax software. One easy and convenient way to file is through the CRA’s website using the “My Account” feature. If you prefer paper filing, you can order the package online from the CRA website or by calling the CRA at 1-855-330-3305.

需要个人、工作和财务信息[3] Personal, work, and financial information required[3]

您将需要提供个人信息，例如您的姓名、地址和社会保险号码。如果您已婚或同居，您还需要提供伴侣的信息。 You will need to provide personal information such as your name, address, and social insurance number. If you are married or in a common-law relationship, you will also need to provide your partner’s information.

纳税申报表所需的其他信息 Additional Information you will need for your tax return

要提交您的申报表，您将需要提供有关您在税单上找到的收入的其他信息，例如您的 T4（已付报酬报表）、T3（信托收入分配和指定报表）和 T5（投资收入报表）。您还需要提供有关您申请的任何扣除额或抵免额的信息。有关提交纳税申报表可能需要的个人、工作和财务信息的更多详细信息，请访问 CRA 网站上的此页面。 To file your return, you will need to provide additional information about your income found on tax slips such as your T4 (Statement of Renumeration Paid), T3 (Statement of Trust Income Allocations and Designations), and T5 (Statement of Investment Income). You will also need to provide information about any deductions or credits you are claiming. For more details on the personal, work and financial information you may require to file your tax return, visit this page on the CRA website.

所得税减免收据 Receipts for income tax deductions

您应保留所有与医疗费用[4]、慈善捐款[5]和业务费用[6]有关的正式收据，以备不时之需在您提交申报表后六年，以防 CRA 稍后提出要求。您可能有资格申请各种扣除或抵免，包括： You should keep all official receipts relating to medical expenses[4], charitable donations[5] and business expenses[6] for six years after you file a return in case the CRA requests them later. You may be eligible to claim various deductions or credits including:

  • 家庭、儿童保育和照顾者扣除 - Family, childcare and caregiver deductions
  • 购房者税收抵免 - Home buyer tax credits
  • 残疾税收抵免 - Disability tax credit
  • 搬家费用扣除 - Moving expense deductions
  • 员工开支，例如在某些情况下在家工作或汽车开支 - Employee expenses such as working from home or car expenses in certain circumstances
  • 各种业务费用 - Various business expenses

如需了解您有资格享受哪些扣除，最好咨询加拿大税务专业人士。 For clarification about which deductions you qualify for it is best to consult a Canadian tax professional.

一旦确定您将有资格获得退款，请务必与道明个人银行业务助理讨论您的选择，包括： Once you have determined that you will be eligible for a refund, be sure to talk to a TD Personal Banking Associate to discuss your options including:

  • 通过 CRA 设置自动存款，以便您的退税可以直接转到您在 TD 的账户。 - Setting up automatic deposit with the CRA so your tax refund can go directly to your account at TD.
  • 开设TD储蓄或投资账户，尽快开始通过退税赚取收益。 - Setting up TD savings or investment accounts to start earning money on your tax refund as soon as possible.

在作为新加拿大人报税时需要更多信息或帮助吗？在我们的道明税务资源中心了解更多信息。 Need more information or help on filing your taxes as a new Canadian? Learn more at our TD Tax Resource Centre.

为什么选择TD？ Why Choose TD?

150 年来帮助加拿大人： 150 years helping Canadians:

TD 在为加拿大人提供金融解决方案方面拥有 150 多年的骄人历史。 TD 还带来了一个世纪的经验，帮助新移民应对加拿大银行系统的独特挑战。 TD has a proud history of delivering financial solutions to Canadians for more than 150 years. TD also brings a century of experience helping newcomers navigate the unique challenges of the Canadian banking system.

TD 拥有 1000 多家分支机构和卓越的金融服务声誉，已成为加拿大最大和最值得信赖的银行之一，目前为 1600 万加拿大人提供服务。 With over a thousand branches and a reputation for excellence in financial services, TD has become one of the largest and most trusted banks in Canada, now serving 16-million Canadians.

TD 为新移民提供在线支持和感兴趣的资源，主题包括银行业务基础知识、移居加拿大、信用评分要点等。 TD拥有1,100多家分行，还可以为您提供50多种语言的服务。为了您的方便，TD 营业时间延长。 TD 在加拿大各地拥有数千台 ATM，可帮助您快速轻松地处理日常银行业务。 TD offers online support and resources of interest to newcomers on topics like banking basics, moving to Canada, credit score essentials and more. TD has more than 1,100 branches and can also serve you in more than 50 languages. TD is open longer hours for your convenience. TD has thousands of ATMs across Canada to help you take care of your everyday banking quickly and easily.

准备好存钱了吗？立即详细了解道明的加拿大新理财套餐。 Ready to bank? Learn more about TD’s New to Canada Banking Package today.

预约与道明个人银行业务助理讨论道明加拿大新理财套餐。您可以立即在线预订，或访问 TD 网站了解更多信息。 Book an appointment to talk to a TD Personal Banking Associate about the TD New to Canada Banking Package. You can book online right away, or visit the TD website to learn more.

[1] https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/individuals-leaving-entering-canada-non-residents/newcomers -加拿大移民.html#h_4 [1] https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/individuals-leaving-entering-canada-non-residents/newcomers-canada-immigrants.html#h_4

[2] https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/important-dates-individuals.html [2] https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/important-dates-individuals.html

[3] https://www.canada.ca/en/revenue-agency/services/forms-publications/tax-packages-years/general-income-tax-benefit-package/non -residents/5013-g/guide-non-residents-deemed-residents-canada-identification-other-information-total-income.html [3] https://www.canada.ca/en/revenue-agency/services/forms-publications/tax-packages-years/general-income-tax-benefit-package/non-residents/5013-g/guide-non-residents-deemed-residents-canada-identification-other-information-total-income.html

[4] https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a -tax-return/deductions-credits-expenses/lines-33099-33199-eligible-medical-expenses-you-claim-on-your-tax-return.html [4] https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/lines-33099-33199-eligible-medical-expenses-you-claim-on-your-tax-return.html

[5] https://www.canada.ca/en/revenue-agency/services/charities-giving/giving-charity-information-donors/claiming-charitable-tax-credits/what -documents-will-need-claim-charitable-tax-credits.html [5] https://www.canada.ca/en/revenue-agency/services/charities-giving/giving-charity-information-donors/claiming-charitable-tax-credits/what-documents-will-need-claim-charitable-tax-credits.html

[6] https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/sole-proprietorships-partnerships/business-expenses.html [6] https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/sole-proprietorships-partnerships/business-expenses.html

法律免责声明： 道明银行集团和本文中其他来源提供的信息在放置在本网站上时被认为是准确可靠的，但我们不能保证它始终准确、完整或最新。本文中的信息仅供参考，无意提供财务、法律、会计或税务建议，因此不应作为这方面的依据。此信息不应被解释为购买邀请。 TD Bank Group 的产品和服务仅在可以合法销售的司法管辖区提供。所有产品和服务均受适用协议条款的约束。本文中的信息如有更改，恕不另行通知。 Legal Disclaimer: Information provided by TD Bank Group and other sources in this article is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete or current at all times. Information in this article is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. This information is not to be construed as a solicitation to buy. Products and services of the TD Bank Group are only offered in jurisdictions where they may be lawfully offered for sale. All products and services are subject to the terms of the applicable agreement. The information in this article is subject to change without notice.

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