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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You and your spouse can each borrow up to $20,000.
  T2 Q6 A3 x6 z& T! sThe funds must have been on deposit at least 90 days before you withdrew them.
: J% @# `% S# |# J" t4 Q! B3 r( M- \At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
0 Y+ E8 D0 \& l+ G# YA signed agreement to buy or build a qualifying home is required.
! \; P/ s) T' U' \, }2 IYou can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
+ H# _$ l: n  d4 a6 ?! s: _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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" P' s; [, I& v6 @You and your spouse can each borrow up to $20,000.
( Y- B7 ?8 g! sThe funds m ...

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1 _1 i6 r$ }  d' O5 T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
. R- \. U3 w& c3 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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" b) O; S  p: W  s" D3 Z+ l; D: I/ p& KGood Question!
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' K+ s6 u1 G! u7 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。