紧急求助！关于rsp存款

海水火焰

由于对这里的RSP存款一点也不了解，在几个月前刚好有一笔闲钱，看到一个rsp短期的利息比一般的存款的利息都稍高一些，我就存了。
; `1 L& Z, ?" U& |" }9 `: @直到现在这个短期到期，我想把钱取出来时，才发现RSP是有很多存款规定的。
  k0 _) U9 ~3 m0 Q+ l我的存款远远高出了我的rsp存款limit（多过于2000）。
9 E# P' B( C# l3 n. @4 E1 K) [现在我如果继续存着，好像每个月都会扣钱，而且年底退税的时候还要有penalty。现在如果取出钱来又会有20%的罚款。
请问大家这种情况下我应该怎么办？

SKC

phone cra

海水火焰

cra ???

蓝天

CRA=Canada Revenue Agency
/ J$ B) v$ X5 oVisit: http://www.cra-arc.gc.ca/

annie66

From CRA website
$ Z0 |! J1 ~; M
Excess contributions Generally, you made excess contributions to an RRSP under which you or your spouse or common-law partner is the annuitant if your unused contributions from prior years and your current calendar year contributions are more than your RRSP deduction limit shown on your latest notice of assessment, notice of reassessment or a T1028 Your RRSP information for 2008, plus $2,000.
The $2,000 is reduced when you have a negative RRSP deduction limit which may be due to the Past Service Pension Adjustment (PSPA) amount. In addition, if you were younger than 18 years of age at any time during the calendar year, you do not qualify for the additional $2,000 amount.
, V! N* [5 o. u- O4 v0 ~" Q' _3 cA tax of 1% per month may apply to certain excess contributions you made in 1991 and later years that are left in the plan. However, if your unused contributions resulted from mandatory group RRSP contributions or from contributions that you made before February 27, 1995, you may not have to pay this 1% tax on all your unused contributions.
2 j: y, {! e( V1 }, |# FConsult our six-step process to determine if you have to complete a T1-OVP, 2008 Individual Tax Return for RRSP Excess Contributions, which is the form used to calculate the amount subject to tax and the tax payable.
9 G7 |# y0 c* z; ^5 K" C2 JIf you determine that you have to pay this 1% tax, you have to pay it no later than 90 days after the end of the year in which the unused contributions exist.
# \* N/ u7 l" ^  I7 H; ^8 KAttach your payment to the completed T1-OVP and submit it to your tax centre. If you do not pay your tax by the deadline, you may also have to pay arrears interest on any unpaid amount.

精打细算

先与银行理解一下,看他们是否能帮忙.