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:

2 p0 N+ s4 X7 y0 Y: h
% L& n8 e" m2 T9 |: Q& \
7 }9 e7 I0 z+ ~1 ~You and your spouse can each borrow up to $20,000.
' ^+ I: Y4 K: _* M; ^0 v% o6 GThe funds must have been on deposit at least 90 days before you withdrew them.
8 X! I3 w7 {3 BAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
- d+ D7 q7 V6 M7 H4 q! M7 VA signed agreement to buy or build a qualifying home is required.
You can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
5 q1 j$ u8 `0 B' ~/ n$ i6 y0 iThe Home Buyer's Plan allows you to borrow funds from your RRSP to purchase your first home. Here are some of the key facts:
5 U$ ]0 b2 L3 h


8 e9 r2 X& F! ]# k& W" ]You and your spouse can each borrow up to $20,000.
3 m$ n3 Q; Q( M# u* KThe funds m ...

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， ...

: s7 V- ^: l! }5 m; `4 Z5 l& \6 b
. n: G. E! |& r4 U! a/ @- dGood Question!

8 D+ h; _  l7 X7 I) f. N  W2 y3 ^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。