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:
6 g$ G2 A' I) X  u2 p! z% q5 y


: {" k, K* Q; c9 F! d; p' P/ O) LYou and your spouse can each borrow up to $20,000.
The funds must have been on deposit at least 90 days before you withdrew them.
& M1 }! ]$ P% _3 AAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
  o" L1 v  y, @A signed agreement to buy or build a qualifying home is required.
1 i; }. _0 ?6 \& V# YYou 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:



' V; n  l/ I/ ?( l& F- nYou and your spouse can each borrow up to $20,000.
% @* M1 n9 [2 z* Y9 g8 QThe funds m ...

, b7 I' _5 `4 V* o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
$ x3 ~2 P. K4 }5 O( b  n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， ...

$ ~8 e6 {. i3 bGood 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。