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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3 P  Y8 \$ r+ F/ a" U. n3 ]& ]* |You and your spouse can each borrow up to $20,000.
- L  G6 Z6 A; @7 g# a/ sThe funds must have been on deposit at least 90 days before you withdrew them.
At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
1 d: j, O" M. P& e8 d6 |& ZA signed agreement to buy or build a qualifying home is required.
; G! n6 X0 D5 z! R$ jYou 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:
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8 F3 n5 F% x+ b" M* y2 o9 iYou and your spouse can each borrow up to $20,000.
The funds m ...

$ g4 B- t! ~/ |1 m, d1 Y5 l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， ...

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5 ~( h  \8 L5 d3 q+ f$ ~Good Question!
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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。