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:
, E; n% i- G' d3 @; A, c% M  D


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.
4 i  n) X* o5 ZAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
. O: Y1 j% w# F9 f) _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
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:
% M3 L# u( ?. q


& h" A$ Q% C) w7 C  c& Y# I% [% f3 @You and your spouse can each borrow up to $20,000.
+ M( {, w: K4 x! vThe funds m ...

! m0 y5 G" a# n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
; t6 Q& l0 `  ?( [4 L: s- i4 l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 p- m8 v2 |; z4 Y& H2 m
0 p- `! n& H- m% ?Good Question!

4 }( K' [5 g; ~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。