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:



5 |" w: }% D" u  F2 X3 k& W% \You and your spouse can each borrow up to $20,000.
7 L" K; L1 z4 f- w2 w) Q  X1 G6 rThe funds must have been on deposit at least 90 days before you withdrew them.
At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
6 T  {6 X' z& p" yA signed agreement to buy or build a qualifying home is required.
" x" X; |. ]$ Y* [3 w/ e" fYou 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:
- t6 }/ f" P5 M# G  J
5 g7 T7 o/ \% g$ ?
( U( n* e$ T0 {6 `
You and your spouse can each borrow up to $20,000.
4 v' R, c0 t; H' z; x3 FThe funds m ...

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
8 ^* W% ?9 h% v2 I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， ...

7 a8 d& A, S2 @
7 |2 M5 Z: @. X2 v6 xGood Question!
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( Z0 S# f7 B7 G, z" }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。