再次请教精打细算关于rrsp

夜明砂

如果我现在买些rrsp，什么时候才能拿出来用于第一次买房呢，有没有必须要等存够三个月的限制？还是马上就可用？

精打细算

正确来说是89天在RRSP户口里后才可以提出来

Your RRSP deduction may be affected by HBP participation

, b+ ^" a7 c1 u/ Z+ pIf you participate in the HBP, certain rules limit your RRSP deduction for contributions you made to your RRSP during the 89-day period just before your withdrawal under the HBP. Under these rules, you may not be able to deduct all or part of the contributions made during this period for any year.

! M5 {# `( j  a' E4 L/ EYou cannot deduct the amount by which the total of your contributions to an RRSP during the 89-day period just before your withdrawal from that RRSP, is more than the fair market value of that RRSP after the withdrawal.
3 a, J) s( J1 C
The same rules apply if you contributed to your spouse's or common-law partner's RRSP during the 89-day period just before that individual made the withdrawal from the same RRSP under the HBP.

夜明砂

多谢，这么说我如果想5月份买房，现在要赶快去买rrsp了。

精打细算

如果有问题，欢迎来电。 我这里有销售Manulifebank 的RRSP, 利息相当高， 而且没有定期或最低存款要求。

夜明砂

多谢。