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:
' T7 I! X) e: }5 Z+ q! L
0 ]$ p/ c" `: U8 A
, a2 g: V: d- g+ Q5 B
9 @9 m% K+ Y5 ^7 IYou and your spouse can each borrow up to $20,000.
$ V8 X: a7 b* D) Y* m( aThe funds must have been on deposit at least 90 days before you withdrew them.
2 [+ b& O2 E# F3 D8 z" Y7 WAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
; |( z+ S1 X" q; {' v4 |- r/ _A signed agreement to buy or build a qualifying home is required.
1 X" p2 E0 J  G* IYou can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
  b3 q( w  U/ R3 Y0 b  ^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:

! R8 j" v) l& a' o* N: W

You and your spouse can each borrow up to $20,000.
The funds m ...

) A7 J# ^. X! g, G
1 w; C) e; v4 f$ L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， ...

1 F( j: i' m, n) t6 kGood Question!
' M4 r( c+ q# e- g/ |. [0 T
+ J/ |# P( F  _3 [! ]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。