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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+ w' `2 z8 _6 p4 A2 N8 FYou 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.
6 J; A  f: l3 y3 {9 }At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
. @( e; W, u. W2 z# t: mA signed agreement to buy or build a qualifying home is required.
5 w; }' N- {4 l  b. [0 D/ dYou can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
- s8 W; F' @4 b* Z" }5 NThe 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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6 U) Q7 b3 ?* g5 ]You and your spouse can each borrow up to $20,000.
3 M5 ], |: g; [& B& f/ nThe funds m ...

# U+ j- {7 z  X% g# ]+ b* `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
7 M& l. \( m7 K6 y9 Q% n6 |. ]6 L" v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， ...

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" ~( p+ `$ |" E% W! P; W. u- }/ ?5 VGood Question!

; C( F- s) e# N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。