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:
, T) l; ^- o8 b
5 w: [" N+ P& x* f
! J4 k+ h' q  t, K
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.
8 x' u% F( t; p; z* k- AAt least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.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.
You can only participate in the program once.

牛眼熊心

原帖由 MORTGAGEWISE 于 2006-6-19 16:06 发表
+ Y4 Q2 J, B  \+ k- }  NThe Home Buyer's Plan allows you to borrow funds from your RRSP to purchase your first home. Here are some of the key facts:


; v7 l4 {, w- @% W+ u7 [9 J
! z6 r( ?' Y7 J( {% |% Q3 kYou and your spouse can each borrow up to $20,000.
: z4 r5 t% _+ Y% }, e* l  i: o  sThe funds m ...

" W8 l) K" ^6 i4 r% I# \, ]/ v; w: b
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， ...

8 x0 x. g& y: ^Good Question!
! O7 L/ u0 Z8 y, ]/ h1 q' F! d; ]
! T* l) `. e* k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。