{"id":477,"date":"2009-03-18T11:38:48","date_gmt":"2009-03-18T17:38:48","guid":{"rendered":"http:\/\/www.montreal-realestate.ca\/english\/?p=477"},"modified":"2019-03-12T10:19:34","modified_gmt":"2019-03-12T10:19:34","slug":"cash-in-on-tax-savings-for-home-improvements","status":"publish","type":"post","link":"https:\/\/www.montreal-realestate.ca\/english\/cash-in-on-tax-savings-for-home-improvements\/","title":{"rendered":"Cash In on Tax Savings for Home Improvements"},"content":{"rendered":"<p>If you are planning on renovating your house, cottage or condominium unit this year,<br \/>\nyou may qualify for the new temporary Home Renovation Tax Credit (HRTC).<!--more--><br \/>\nIntroduced in the 2009 federal budget, the HRTC offers a 15 percent non-refundable<br \/>\ntax credit for certain renovation costs incurred between January 27, 2009 and<br \/>\nFebruary 1, 2010. The budget also introduced a new tax credit for first-time buyers and enhanced the existing Home Buyers&#8217; Plan. Details of these changes are discussed below.<strong>How much is the HRTC worth?<\/strong><br \/>\nYou can claim the HRTC for eligible costs over $1,000 but not more than $10,000, for<br \/>\na maximum credit of $1,350. The HRTC can be claimed on your 2009 tax return for<br \/>\nall eligible costs incurred to February 1, 2010.<\/p>\n<p><strong>Example<\/strong><br \/>\nThe 2009 budget documents provide the following example: Sally and Ed recently<br \/>\npurchased a house. To take advantage of the HRTC, they decide to replace their old<br \/>\nwindows and improve the insulation in their home in 2009, incurring $10,000 in<br \/>\nexpenditures. After taking into account the $1,000 minimum threshold, a 15 percent<br \/>\ncredit will be available on $9,000 in eligible expenditures, providing tax relief of<br \/>\n$1,350.<\/p>\n<p><strong>What kinds of renovations qualify for the HRTC?<\/strong><br \/>\nYou can claim renovation costs for projects such as finishing a basement or remodelling a kitchen, along with associated expenses such as building permits, professional services, equipment rentals and incidental expenses. Most renovations or alterations to an eligible dwelling qualify, provided the renovation is of an enduring nature and is integral to the dwelling.<\/p>\n<p><strong>Examples of eligible expenses you can claim include:<\/strong><\/p>\n<ul>\n<li>Renovating a kitchen, bathroom, or basement<\/li>\n<li>New carpet or hardwood floors<\/li>\n<li>Building an addition, deck, fence or retaining wall<\/li>\n<li>A new furnace or water heater<\/li>\n<li>Painting the interior or exterior of a house<\/li>\n<li>Resurfacing a driveway<\/li>\n<li>Laying new sod<\/li>\n<\/ul>\n<p><strong>Expenses you cannot claim for the credit include:<\/strong><\/p>\n<ul>\n<li>Furniture and appliances (e.g., refrigerator, stove, couch)<\/li>\n<li>Purchase of tools<\/li>\n<li>Carpet cleaning<\/li>\n<li>Maintenance contracts (e.g., furnace cleaning, snow removal, lawn care, pool cleaning)<\/li>\n<li>Financing costs associated with a renovation (e.g., mortgage interest)<\/li>\n<\/ul>\n<p>If you live in a condominium or a co-operative housing corporation, renovations on<br \/>\nyour unit will also be eligible for the credit, as are your share of eligible costs used to<br \/>\nimprove common areas.<\/p>\n<p>If you rent out part of your home or have a home office for earning business income,<br \/>\nyou can claim the credit for personal-use areas of the home only. You can also claim<br \/>\nthe credit for part of the cost of common area improvements and renovations that<br \/>\nbenefit the housing unit as a whole (such as re-shingling a roof). In this case, you<br \/>\nmust divide the cost between personal and income-earning use. The qualifying<br \/>\namount of your costs is calculated based on the personal-use fraction of your home<br \/>\n(i.e., calculated in the same way as your deductible home office expenses).<\/p>\n<p><strong>Note <\/strong>that you cannot claim the credit if the renovations are done by a related person<br \/>\n(e.g., a parent, a brother, sister, or brother- or sister-in-law) or a non-arm&#8217;s-length<br \/>\nperson unless they are registered for Goods and Services Tax\/Harmonized Sales<br \/>\nTax.<\/p>\n<p><strong>What qualifies as an eligible dwelling?<\/strong><br \/>\nGenerally, a housing unit is considered eligible to be your principal residence where it<br \/>\nis owned and ordinarily inhabited by you, your spouse or common-law partner or your<br \/>\nchildren.<\/p>\n<p><strong>Who can claim the credit?<\/strong><br \/>\nBecause eligibility for the HRTC is family-based, your spouse or common-law partner<br \/>\ncan share the credit with you. If you share ownership of a house, cottage or condominium unit with another family, both families are eligible for their own HRTC credit.<\/p>\n<p><strong>Example<\/strong><br \/>\nIn a second example provided in the budget documents, Karen and Heather are<br \/>\nsisters who share ownership of a condominium unit. They each incur $7,500 in<br \/>\nexpenditures renovating the kitchen in the condo. Karen and Heather each claim a<br \/>\n$975 credit on eligible expenditures of $6,500 ($7,500 &#8211; $1,000 \u00d7 15%).<br \/>\nYou can apply for the full amount of the HRTC even if you receive other government<br \/>\ntax credits or grants. For instance, if you make an eligible expenditure that also<br \/>\nqualifies for the Medical Expense Tax Credit (METC), you can claim both the HRTC<br \/>\nand the METC.<\/p>\n<p><strong>Keep your receipts<\/strong><br \/>\nIn order to take full advantage of the HRTC, you must document all eligible<br \/>\nexpenditures. Agreements, invoices and receipts must clearly identify the type and<br \/>\nquantity of goods purchased or services provided, including the following information:<\/p>\n<ul>\n<li>The name of the vendor\/contractor, their business address and their GST\/HST registration number (if any)<\/li>\n<li>A description of the goods and the date purchased<\/li>\n<li>The date the work was performed or the goods were delivered (keep your<br \/>\ndelivery slip as proof)<\/li>\n<li>A description of the work, including the address where it was performed<\/li>\n<li>The amount of the invoice<\/li>\n<li>Proof of payment.<\/li>\n<\/ul>\n<p>You do not have to file your receipts with your 2009 tax return, but you must keep<br \/>\nthem on hand in case the CRA asks to see them.<\/p>\n<p><strong>New credit for first time home buyers<\/strong><br \/>\nIf you plan on acquiring your first home this year, the 2009 federal budget also<br \/>\nintroduced a new non-refundable tax credit for first-time home buyers. This credit is<br \/>\navailable for qualifying home purchases that close after January 27, 2009 and is<br \/>\ncalculated based on the amount of $5,000 times the lowest personal income tax rate<br \/>\nfor that year (currently, 15%). Thus, the current maximum value of the credit is $750.<br \/>\nThe credit can be claimed by you or your spouse or common-law partner. In general,<br \/>\nto qualify, neither of you can have owned nor lived in another home in the last five<br \/>\nyears, up to the year the new home was purchased. A qualifying home is one that is<br \/>\ncurrently eligible for the Home Buyers&#8217; Plan (see below) that you or your spouse or<br \/>\ncommon-law partner intend to occupy as the principal place of residence not later<br \/>\nthan one year after is acquisition.<\/p>\n<p>The credit is also available for certain home purchases by or for the benefit of<br \/>\na disabled family member who is eligible for the disability tax credit.<\/p>\n<p><strong>Home Buyers\u2019 Plan threshold increased<\/strong><br \/>\nIn addition, the budget increases the amount that first-time home buyers can<br \/>\nwithdraw tax-free from a Registered Retirement Savings Plan (RRSP) to<br \/>\npurchase or build a new home to $25,000 (up from $20,000). The new limit<br \/>\napplies to withdrawals made after January 27, 2009.<\/p>\n<p><strong>This information was gladly passed by<\/strong><br \/>\nMarc-Andr\u00e9 Rocher a Mortgage Specialist at RBC<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are planning on renovating your house, cottage or condominium unit this year, you may qualify for the new temporary Home Renovation Tax Credit (HRTC).<\/p>\n","protected":false},"author":2,"featured_media":8804,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-477","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-renovations-inspections"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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