BC省地税延缴福利计划全解析｜释放现金流，优化家庭财务

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在加拿大BC省，房产税（Property Tax）是每年必须缴纳的一项固定支出。尤其是在温哥华、大温、维多利亚这些高房价地区，动辄几千上万的地税金额，确实让很多家庭在夏季缴税季节倍感压力。为了帮助部分家庭缓解经济负担，BC省政府专门推出了Property Tax Deferment Program 地税延期缴纳福利计划，相当于一笔由政府提供、低利息、无固定还款期限的现金流贷款。

延缴地税不仅能缓解当下家庭开支压力，更能释放出现金流，用于其他更灵活、更高收益的投资配置。今天就来给大家详细讲讲这个福利政策，看看你是否符合申请资格，又该如何合理利用，帮家里的财务状况更上一层楼。

什么是Property Tax Deferment Program？

这项计划是由BC省政府直接运营，专门针对符合特定条件的房主，允许将房产地税延期支付，而不是像其他贷款一样要求每月还款。等到将来房屋出售、房主过世，或者你自己想要清缴的时候，再一次性还清延期税款及期间产生的利息。这里的利息属于单利，而不是常规贷款中的“利滚利”，简单透明，压力远低于银行贷款。

谁可以申请？

申请人必须是自己房子的业主，同时是加拿大公民或永久居民，且在BC省连续居住满一年。申请时，房主不能有其他欠缴的市政税费记录。

地税延期分两种计划

BC省政府根据家庭情况，设置了常规计划和家庭计划两类福利。常规计划主要面向55岁以上的年长居民、任何年龄的丧偶人士和符合条件的伤残人士，只要房屋净值（房屋评估价值减去贷款余额）达到25%以上，就可以申请。家庭计划则是为经济上抚养未成年子女或残障子女的家庭设计，只要房屋净值在15%以上即可。

目前（截至2025年5月5日）常规计划利率为3.45%，家庭计划利率为5.45%，两者均远低于当前银行贷款利率，且常规计划首次申请仅需缴纳$60手续费，之后续期每年$10。家庭计划则完全免申请费、免续期费，真正体现了政府对有子女家庭的支持。

延缴方式灵活，还款无压力

与普通贷款不同，申请地税延期后，无需每月偿还，只需在房主出售房屋、去世或主动决定偿还时，一次性将延期税款及期间利息支付清楚即可。期间采用单利计息，利息不滚利息，简单透明。并且，申请后只需每年续期确认一次就好，手续非常简便。

适合哪些人申请？

是否申请地税延期，不能只看眼前省下多少钱，更要结合家庭财务状况和未来计划综合考虑。如果短期内有换房或出售房产打算，就不建议申请，因为交易时需一次性清缴所有延期税款及利息。反之，如果打算长期自住，或暂时有现金流压力，或者希望释放资金做其他投资理财，这项福利就非常适合。

地税延缴省下的现金流能做什么？

很多家庭一到缴地税季就需要动用存款或者赎回定期，现在有了这个福利，省下的现金流完全可以灵活安排，放到收益高于延期利息的稳健投资项目里。比如：

可以用来投入IRP（分红储蓄账户），实现长期免税复利增值；或者放进TFSA免税储蓄账户做稳健投资，赚取的利息和收益完全免税；亦或者放进RRSP退休储蓄计划，抵扣当年税务同时实现延税增值。这样既提升资金使用效率，又能让家庭资产更加稳健增长。

如何申请？

申请方式也非常简单，直接在BC省政府官方网站提交申请，上传所需资料，批复速度通常也很快。申请成功后，之后每年在线续期即可，无需重复提交材料。

总结一句话：

BC省地税延期福利计划，本质上是政府为中老年家庭、有子女家庭和残障人士提供的一种“低息政府贷款”，合理运用能有效缓解家庭现金流压力，同时助力资产合理配置。如果你家正好符合条件，务必善用这项政策，哪怕暂时不缺钱，也可以把省下来的钱做点稳健理财，跑赢利息，悄悄实现财富增值。

如果你或家人符合申请条件，别错过这个福利！欢迎留言或私信恩典财富团队了解更多操作细节和个性化理财方案📩。

In British Columbia, Canada, property tax is a mandatory annual expense for all homeowners. Especially in high-value areas like Vancouver, Greater Vancouver, and Victoria, property taxes can easily reach thousands or even tens of thousands of dollars, putting significant financial pressure on many families during tax season.

To ease this burden, the BC government offers a special financial assistance program called the Property Tax Deferment Program. In essence, this is a low-interest, government-backed loan with no fixed repayment schedule, designed to help eligible homeowners delay their annual property tax payments.

By deferring your property taxes, you not only relieve immediate financial pressure but also free up valuable cash flow that can be redirected into more flexible, higher-yield investment opportunities. Let’s break down how this program works, who qualifies, and how to make the most of it to strengthen your household’s financial position.

What Is the Property Tax Deferment Program?

This program is directly managed by the BC government and is specifically designed for eligible homeowners, allowing them to defer their annual property tax payments without the need for monthly repayments like a traditional loan.

Homeowners can delay paying their property taxes until the property is sold, the owner passes away, or the homeowner chooses to repay voluntarily. The interest rate applied during the deferment period is simple interest, not compound interest, making it a far less burdensome option compared to standard bank loans.

Who Can Apply?

Applicants must:

Be the registered owner of the property.

Be either a Canadian citizen or permanent resident.

Have resided in BC for at least one continuous year prior to applying.

Have no outstanding municipal tax debts on the property at the time of application.

Two Types of Deferment Plans

The BC government offers two deferment options tailored to different family situations:

Regular Program: Available to homeowners aged 55 or older, surviving spouses of any age, or individuals with disabilities. To qualify, the property’s equity (assessed value minus outstanding mortgage) must be at least 25%.

Families with Children Program: Designed for families financially supporting minor children or dependent children with disabilities. Here, the property’s equity only needs to be 15% or more.

As of May 5 , 2025, the annual simple interest rates are 3.45% for the Regular Program and 5.45% for the Families with Children Program—both much lower than current bank lending rates. The Regular Program requires a one-time $60 application fee and a $10 annual renewal fee, while the Families with Children Program has no application or renewal fees at all, reflecting the government’s additional support for families with children.

Flexible Deferment with No Monthly Payments

Unlike regular loans, once your property tax deferment is approved, you won’t need to make monthly payments. Instead, the deferred taxes and accrued simple interest are paid off in a lump sum when the property is sold, the owner passes away, or you decide to repay it.

Only one simple annual renewal is required to maintain your deferment, making it an incredibly straightforward and stress-free process.

Who Should Consider Applying?

Whether to defer your property taxes shouldn't be based solely on how much you’ll save in the short term. It should be a thoughtful decision that considers your current financial situation and long-term plans.

If you’re planning to sell your property in the near future, this program may not be the best choice since all deferred taxes and interest must be paid in full upon the sale. However, if you intend to stay in your home long-term, are currently facing cash flow constraints, or want to free up funds for other investments, this program can be an excellent tool.

What Can You Do With the Freed-Up Cash Flow?

Many households have to dip into savings or redeem fixed-term deposits to cover property taxes every year. With this program, the money you would have spent on taxes can now be allocated into safe, higher-yield investments such as:

Insured Retirement Plans (IRP): Long-term, tax-deferred growth through dividend-paying insurance accounts.

Tax-Free Savings Account (TFSA): Stable investments with tax-free interest and returns.

Registered Retirement Savings Plan (RRSP): Contributions that reduce taxable income now while deferring taxes on returns until retirement.

By doing this, you can maximize your capital’s efficiency while growing your family’s net worth steadily and securely.

How to Apply?

Applying is straightforward. Simply visit the BC government’s official website, fill out the application form, and upload the required documents. Approvals are generally processed quickly. Once approved, you just need to renew online each year—no need to resubmit documentation.

Final Thoughts

The BC Property Tax Deferment Program is essentially a low-interest government loan designed to assist seniors, families with children, and individuals with disabilities. If managed wisely, it can effectively alleviate household cash flow pressures while offering an opportunity to optimize financial planning.

Even if you’re not currently in need of extra cash, deferring your property taxes could allow you to invest that money elsewhere, earn a better return than the deferment interest, and quietly grow your wealth.

If you or your family members are eligible, don’t miss out on this program! Feel free to message me or leave a comment if you’d like to learn more about the application details or receive a personalized financial planning suggestion 📩.

文章来源

Branch, P. T., & Division, R. (2025, May 5). Property tax deferment program - Province of British Columbia. https://www2.gov.bc.ca/gov/content/taxes/property-taxes/annual-property-tax/property-tax-deferment-program

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