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Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offersBanking For
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Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud PreventionTD New to Chequing Offer
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TD New to Canada Banking Package
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EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout Online Services EasyWeb WebBroker U.S. Banking Home / Loans and lines of credit / RSP Loan\r\n\r\n"}}" id="text-e88c08e605" class="cmp-text">
Home / Loans and lines of credit / RSP Loan
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Book an appointment TD RSP Loan\r\n"}}" id="text-2bbc7538a9" class="cmp-text"> TD RSP Loan If you’re planning for retirement, you can borrow to maximize contributions and accelerate your savings.\r\n"}}" id="text-a0d39d46af" class="cmp-text">If you’re planning for retirement, you can borrow to maximize contributions and accelerate your savings.
Why apply for a TD RSP Loan?\r\n"}}" id="text-052ac1ab18" class="cmp-text"> Why apply for a TD RSP Loan? Tax savings\r\nMaking a RSP contribution may reduce your tax bill.
\r\n"}}" id="text-b6042c1650" class="cmp-text">Tax savings
Making a RSP contribution may reduce your tax bill.
Competitive Interest Rates\r\nChoose whether you'd prefer a fixed rate or variable rate
\r\n"}}" id="text-2e03c2aff4" class="cmp-text">Competitive Interest Rates
Choose whether you'd prefer a fixed rate or variable rate
Flexible repayment schedule\r\nFeel the confidence that comes with a realistic repayment plan.
\r\n"}}" id="text-c6f1c69d97" class="cmp-text">Flexible repayment schedule
Feel the confidence that comes with a realistic repayment plan.
Deferred payment option (Not applicable in Quebec)\r\nYou can defer repayment of your RSP loan, interest will continue to accrue.
\r\n"}}" id="text-81c891c3eb" class="cmp-text">Deferred payment option (Not applicable in Quebec)
You can defer repayment of your RSP loan, interest will continue to accrue.
RSP Loan Options\r\n"}}" id="text-687335d8f7" class="cmp-text"> RSP Loan OptionsIn year contribution
Great for: maximizing up to your current year RSP contribution Borrow up to: your unused RSP contribution limit for this year1 Term/Amortization: 1 yearCatch up contribution
Great for: your outstanding RSP contribution space from previous years2 Borrow up to: $50,000 Term/Amortization: Fixed rate loan: maximum 5 year term/10 year amortization (maximum 5 year amortization for Quebec loans) Variable rate loan: maximum 10 years View MoreRetirement Savings Calculator
Answer a few quick questions and we'll tell you where you stand and how much to save to reach your retirement goals.
Calculate now Calculate now Tools and resources\r\n"}}" id="text-996d92ce91" class="cmp-text"> Tools and resources Help me chooseJust answer a few simple questions. We'll suggest TD products to help you achieve your lending needs.
Check your credit scoreYou can check your credit score with the TransUnion CreditView® Dashboard in the TD app. Checking in the TD app will not affect your credit score in any way.
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Credit application guideThis step-by-step guide will help you understand the credit application process.
Borrowing advice\r\n"}}" id="text-55d95b5b4b" class="cmp-text"> Borrowing advice Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.\r\n"}}" id="text-a63bff1a1d" class="cmp-text">Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.
Learn more Application Checklist \r\n"}}" id="text-fa61b1f955" class="cmp-text"> Application Checklist To start your application, there are a few things we’ll need from you:\r\n"}}" id="text-4839cff3fd" class="cmp-text">To start your application, there are a few things we’ll need from you:
Government-issued identification
(original and not expired) Examples of valid ID
Proof of income
If employed, provide your last two paystubs If self-employed, provide your last two Notice of Assessment documents (tax returns)Expense statements
Mortgage/rent payments, utility bills, taxes, other credit statements, etc.
Bank account details form for the deposit of funds and to schedule repayment
Adding a co-signer?
The same information and documents will also be needed from them
Notice of Assessment (most recent year)
If you are borrowing to catch up on previous year contribution, this will be required to understand outstanding available limits
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As part of this credit check, we will give your information to credit bureaus and other lenders. They will give reports and information to us, about you, to help assess your eligibility and creditworthiness.
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Your deposits may be insurable by the Canada Deposit Insurance Corporation.
\r\n\r\nCanada Investment Regulatory Organization (CIRO)
\r\nCIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
\r\n\r\n"}}" id="text-959b1239e4" class="cmp-text">Canada Deposit Insurance Corporation
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
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Tips to help you manage debt
Debt… not your typical topic of conversation with friends or family.
For the most part, a lot of us like to avoid thinking of the topic altogether.
But what we can all agree on is that we would love to get rid of it – or at least pay it down faster.
So here are some steps you can take to help you tackle it.
First off, review your outstanding debts.
After reviewing your budget, rank the debts in the order they should be paid off – the best order is to rank the higher-interest debts first to help you pay less interest.
Second, consider consolidating those higher-interest-rate debts into one loan with a lower interest rate.
Debt consolidation loans can be a good way to help reduce the money you're spending on interest, because with a lower interest rate, more of the loan payment is applied towards paying the principal.
Consolidating several debts into one loan can help give you an estimated end date as to when that debt will be paid off – which could lead to an improvement in your credit score, with one payment being made on time each month.
Lastly, if you end up with more cash on hand due to a lower monthly loan payment, you might consider applying some of it to further reduce the loan amount.
Legal\r\n"}}" id="legal" class="cmp-text"> Legal 1 Borrow up to any unused contribution limit for the current tax year. Subject to CRA contribution limits established and posted annually by the Government of Canada. 1 year term for repayment only\r\n"}}" id="1" class="cmp-text">1 Borrow up to any unused contribution limit for the current tax year. Subject to CRA contribution limits established and posted annually by the Government of Canada. 1 year term for repayment only
2 Subject to individual RSP unused contribution limits assessed and established by the CRA as part of most recent year Notice of Assessment (NOA).\r\n"}}" id="2" class="cmp-text">2 Subject to individual RSP unused contribution limits assessed and established by the CRA as part of most recent year Notice of Assessment (NOA).
fixed
With a fixed interest rate, your rate and payment stay the same each month, and you know when your loan will be paid off. Even if the TD Prime Rate changes, your interest rate will stay the same.
variable
With a variable rate, the interest rate can change and the amount of your principal and interest payment may change. We will notify you if your payment amount changes. If the interest rate goes down, more of your regular payment goes toward the principal, so you may pay off your balance faster. If the interest rate increases and your payment stays the same, more of your payment will go towards interest, and it may take longer to pay off your balance.Direct Deposit form Pre-Authorized Debit form Credit card statement Loan/line of credit balance statements Credit card statement Loan/line of credit balance statements Driver's licence Passport (Canadian/international) NEXUS card Certificate of Indian Status Canadian military identification card Canadian permanent resident card
RSP Loan | TD Canada Trust,AI智能索引,全网链接索引,智能导航,网页索引
- A Retirement Savings Plan Loan can help you get the funds you need to maximize your RSP contributions, every year & for past years. Visit TD to learn more!