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:



# v) w3 [  ]3 s$ B" vYou and your spouse can each borrow up to $20,000.
  }; u- q+ U+ d8 n& i: T5 }  H5 y6 AThe 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At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
3 u8 D9 U- {- ^' \; c% o, h8 m4 cA signed agreement to buy or build a qualifying home is required.
- j' @9 s; V4 m' j0 V; x+ S; ZYou 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:
5 _5 J' O+ ?1 |+ l! Z2 O
8 i+ H1 [2 a# Y% G% r
/ J% l# {$ j& z1 F* Y. u2 M
You and your spouse can each borrow up to $20,000.
% A. r) t% W- H! Q$ P# H- E* sThe funds m ...

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， ...

" X+ c3 H( _" W2 Q3 ~# w) l
Good Question!

1 @% C3 |2 B2 ~# H# R2 H+ r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。