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:

! k/ `8 H: ~& v7 Q0 b; _2 E0 o" o

: j$ N/ {# U7 S+ I2 c8 |. HYou and your spouse can each borrow up to $20,000.
The 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At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
A signed agreement to buy or build a qualifying home is required.
You 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:

1 w3 M- K# W' o/ `# ~- B3 ~
$ k0 M! R- R* Y, \! `
You and your spouse can each borrow up to $20,000.
2 }0 ?7 Z% h' @) BThe funds m ...

$ X/ B5 ^% I  f% e# J8 @
4 h, F' o; k& b, t% i0 X: k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， ...

. l7 }' }+ M& s% Y) X4 m) FGood Question!

% c0 k- l9 |4 v& d& p: }8 i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。