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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You and your spouse can each borrow up to $20,000.
The funds must have been on deposit at least 90 days before you withdrew them.
  V$ ]$ t& C  {At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
) I* B( A$ ^. J# ]  E3 mA signed agreement to buy or build a qualifying home is required.
- ~+ f: L( ?+ i) lYou can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
( n5 n' o5 T; @" l0 zThe 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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You and your spouse can each borrow up to $20,000.
  y: j2 K  P3 v2 x. RThe funds m ...

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$ I% a( k! S" S/ ^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
+ M% [6 U2 D9 @8 w5 m6 Z& }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， ...

. ~2 c- K- d6 YGood Question!

5 g3 N& b( H$ S. t! y' `% s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。