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:



0 a: F$ K5 ?8 z! i$ D; ]2 D* I! p2 cYou and your spouse can each borrow up to $20,000.
) q) T  h4 g) U0 }& BThe funds must have been on deposit at least 90 days before you withdrew them.
( s: V, d' p0 q; j/ V+ \, }6 OAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.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.
+ P& u; |3 s1 f, p* d1 g6 R, AYou 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:


3 G2 ^1 M: N' o; S
  B* `4 Q/ \+ e* u, @  N7 }+ ?$ A; S: M, X+ HYou and your spouse can each borrow up to $20,000.
3 w1 G" n7 i/ R7 f2 |: SThe 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， ...

' {" A3 M8 e) G, c. U7 k1 T. d
' s- x0 K7 V" y# }3 i9 D" M, tGood Question!

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。