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:

$ d7 s+ S7 [) t. j' B. B

You and your spouse can each borrow up to $20,000.
0 t* h, M) K6 N3 C  _# H5 l6 fThe 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At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.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 P2 ?2 Q% U0 p' ]0 Z, lA signed agreement to buy or build a qualifying home is required.
2 Y; t3 u( w5 q" }9 i  @You can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
4 @) S- }7 a% _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:
& Z1 p4 X* t  l- g: m1 R3 N
# m/ v  o! Y, p8 _3 s# |# _1 a6 n
! t+ q4 Y* c8 i+ U. V
You and your spouse can each borrow up to $20,000.
The funds m ...

6 }( u( d  u! H# f  G! E
$ C- L# _" c4 o+ E$ N2 J4 [3 _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
6 m: @) ^4 T$ E' U2 X% O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， ...

5 k% s+ l8 M$ N% k( D0 JGood Question!
/ B# O. f' k' X
8 J* }+ K" A, B8 k/ J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。