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 $20,000.
The funds must have been on deposit at least 90 days before you withdrew them.
At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
# k6 l+ x7 \; S9 S( KA signed agreement to buy or build a qualifying home is required.
& @1 c0 [; S+ M$ g7 I9 F' p0 i' wYou can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
# O* w# b) t' ~: Y7 P1 F4 HThe 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.
: L! u, t3 B3 T0 n6 z" o7 d: yThe funds m ...

% p1 A( i9 m3 C/ z, V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， ...

3 X' D( S* t* _9 O1 W; |+ r4 \& ~9 fGood Question!
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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。