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:



You and your spouse can each borrow up to $20,000.
The funds must have been on deposit at least 90 days before you withdrew them.
% T* _3 D: K* K7 K8 vAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
1 z8 J$ u5 r6 ~1 @1 bA 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
9 U1 P/ @% h8 V. q/ G6 W. m8 yThe 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 s; h- c. S& ?" W6 `) o9 z7 g

6 U" v- h1 x+ V* A% N8 o& e+ V1 B2 G
You and your spouse can each borrow up to $20,000.
9 f9 S4 F) z* w) q- M( MThe funds m ...

, S/ Y8 A$ q* L5 i9 Q* E! X* ?$ i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
, W5 G! V5 s* _/ a  S& I% 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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' n. i6 `9 i$ C% u9 pGood 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。