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:


: M3 y1 D! a" u. |/ g  J# Y. \6 c# W* _
6 D2 N% i) d- r( u! d' |You and your spouse can each borrow up to $20,000.
The funds must have been on deposit at least 90 days before you withdrew them.
+ ^4 @5 b, s. [8 ~, YAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
2 A1 }$ |! P% f% UA 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:



7 z( W8 y9 F$ e8 {! Z* ^  X/ j2 fYou and your spouse can each borrow up to $20,000.
The funds m ...

; U# c7 I5 }; B4 r' _7 G4 g$ ~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
+ S0 ]: j* j% G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， ...

" k) g* n  \& P' A. y7 CGood Question!
+ W& M! O6 ?& t3 v( U+ I- C, f
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。