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:

" [: u- I! o) D/ ~
" `7 k( P  c! e, l, l5 w
You and your spouse can each borrow up to $20,000.
The funds must have been on deposit at least 90 days before you withdrew them.
* s$ K/ D- I6 ~7 `" k$ w, QAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
6 R4 j: D5 n3 r4 p8 J8 h3 ]A signed agreement to buy or build a qualifying home is required.
% N. b3 c% B8 t: p9 ]3 _  e5 EYou can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
( g. a9 \, k1 Z" a1 WThe 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 e; U2 {5 x. N$ N- Y3 Z
, ~( ^8 A3 f1 T* |8 m- a
3 B" k: O& E  ^! A0 b6 ~) A
You and your spouse can each borrow up to $20,000.
7 h0 b% u( c9 b0 V; g+ _The funds m ...

5 t5 O% X' F5 B/ ~' D0 q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， ...

/ g: k4 q& T4 \, q
Good Question!

/ F1 O3 k* ]1 b0 W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。