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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: v/ M7 O4 {! T7 OYou 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.
7 w2 f( r& K% a( q0 {8 {At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
9 D/ y. `* Q9 n5 V. r8 I/ F% sA signed agreement to buy or build a qualifying home is required.
0 t. s4 Q9 G% {: p* k" d5 zYou 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:



& ~+ r+ V" ]" w% w8 b0 ]You and your spouse can each borrow up to $20,000.
, g# N( t8 v. y! {, M) bThe funds m ...

; ~8 I6 E$ ^4 F; X  h# F, o7 s- V
# i. ^* U- U/ E; R# n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
* j: i; L& N' T# j$ s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， ...

Good Question!
: }0 j* F  V$ Q4 A; k
! m$ ^, E2 k/ `7 i" E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。