首次买房每人可从RRSP中预支最多20，000$做首期，有谁知道详情？

channel1111

首次买房每人可从RRSP中预支最多20，000$做首期，然后每年还。 有谁知道详情，说来听听。

MORTGAGEWISE

The Home Buyer's Plan allows you to borrow funds from your RRSP to purchase your first home. Here are some of the key facts:
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! m( S/ [$ n8 dYou and your spouse can each borrow up to $20,000.
+ }; A, F: {3 n# M! K- B+ _, t1 JThe funds must have been on deposit at least 90 days before you withdrew them.
2 O$ n5 E8 V* AAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
4 T& m" t" S' [1 E6 ZA signed agreement to buy or build a qualifying home is required.
7 X, C% n5 b$ |$ DYou can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
The Home Buyer's Plan allows you to borrow funds from your RRSP to purchase your first home. Here are some of the key facts:

+ R3 \% y- [0 ?4 D& F0 u2 I
" Z1 o9 \6 R+ O0 `  l' S" T4 ~8 u
You and your spouse can each borrow up to $20,000.
( I, M% R/ e' H+ X7 L# ZThe funds m ...

1 F9 `" E8 B# Z0 m3 e6 v. i
我第一次买房时没有用，第二次买的时候还可以用rrsp付款么？

MORTGAGEWISE

当然不行了, the plan is only for a first-time home buyer!

梦里花落

怎么定义first buyer呢？要是买两套房子，是以签合同的时间呢，还是take posession的时间为准？要是一套房子签约在3月份，但是要等到下一年才能搬进去，另外一套房子签约在7月份，但是同一年的10月份就能搬进去，那哪一套应该算是第一次购买的呢？谢谢。

MORTGAGEWISE

原帖由 梦里花落 于 2006-7-9 10:10 发表
怎么定义first buyer呢？要是买两套房子，是以签合同的时间呢，还是take posession的时间为准？要是一套房子签约在3月份，但是要等到下一年才能搬进去，另外一套房子签约在7月份，但是同一年的10月份就能搬进去， ...

Good Question!

我的观点是， FIRST TIME HOME BUYER, 应该以你签订正式的购房合同的时间为准，但最终的裁定属于CANADA REVENUE AGENCY SERVICE。