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:
( h1 G# }; k6 q

# E2 A, D( Q7 K; u3 T; A
You 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.
+ C( F( N% }" z% {- r4 p# iAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
A 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
8 s8 q3 b+ k0 \* aThe Home Buyer's Plan allows you to borrow funds from your RRSP to purchase your first home. Here are some of the key facts:
* {) j& ^; X% O( w

0 L  B! e6 ~: [; J, {! O
You and your spouse can each borrow up to $20,000.
The funds m ...

2 m4 S0 }( X! v1 c
5 k+ N; R  Y8 p: ~, p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， ...

% y& {7 T' t( ?+ b
Good Question!
5 K% E7 U6 z' Z& L5 h( j
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。