菜鸟问题买房子的问题

[bubbleface]

请问 新移民在这里买房子 有啥优惠政策吗? 政府阿之类的有给提供优惠吗 ? :thanks:

 

[ccc]

There is no differential policy for any category of residents in this country.

 

[Teddy]

Only one: First Home Buyer For Primary Residence.

 

[ccc]

最初由 Teddy 发布
Only one: First Home Buyer For Primary Residence.

But this applies to any first time home buyers, not only to new immigrants.

 

[qiuyi_1]

In Ontario, husband and wife could put a total of $4000($2000 each) into home buyer plan (forgot how the plan is called) in banks each year for up to 7 years and don't get interest from bank but get $4000 deductions when they file tax returns if family income is less than $40000. When they buy their first house, bank will return the money(without interest). If they don't buy house in 7 years, they have to return all the deductions they claimed. So talk to the bank and make a calculation. I think it's a good idea when the interest is low and the family has only one income of less than $40000.
Also I remember CRA returns GST to first time buyers when they buy new houses but builders make buyers sign (check the agreement) to give up the GST return to builders.
First time buyers can also withdraw a maximum of $20000(I think) RRSP without paying any tax or penalty but have to return the money to RRSP account in 15 years. Second time buyers can also withdraw RRSP but have to pay tax upon withdrawal.
My info maybe out of dated, please double check.

 

[kitaro]

"home buyer plan" is gone.

 

[bubbleface]

最初由 kitaro 发布
"home buyer plan" is gone.

why? I was planning to use it.

 

[bubbleface]

多谢楼上几位的回答 :thanks:

 

[lsdm]

Last year is already gone, No more

 

[bubbleface]

最初由 lsdm 发布
Last year is already gone, No more

http://www.cra-arc.gc.ca/tax/individuals/topics/rrsp/withdrawals/hbp/menu-e.html

Still can use it next year.

 

[吾言]

The OHOSP is gone. The HBP is still available.

 

[baby fish]

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