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:
$ b* \: Z5 `/ V/ x1 h5 k4 _; m

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You and your spouse can each borrow up to $20,000.
9 R3 y  ?6 r" j+ `1 W7 j; K: [The funds must have been on deposit at least 90 days before you withdrew them.
  w4 z0 v7 }6 r% A! q6 s2 ~At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
) u' t4 z% m/ d, l  |3 yA signed agreement to buy or build a qualifying home is required.
8 b/ |7 C, M6 L' t" u- ~7 ^You can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
+ C% z8 s5 Z2 e" @& @4 J: OThe Home Buyer's Plan allows you to borrow funds from your RRSP to purchase your first home. Here are some of the key facts:
) a* c: R3 q# L3 I


You and your spouse can each borrow up to $20,000.
( X" j8 Y6 u( L4 oThe funds m ...

: P3 t9 C( S+ R/ l8 R: e2 B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， ...

& K& p  Y- u! ^8 d, |4 {Good Question!

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。