用RRSP的存款来付mortgage首付合适吗？[问题]

[shuwazi]

因为没钱付down payment，准备用rrsp来凑，不知这样好还是用有些银行提供的zero down payment的计划好？请各位专家分析分析，谢谢！

 

[dkwan]

zero percent downpayment is a great way to start your first home, but the interest rate for the term usually is higher due to higher risk to the bank.

Each title owner can take a max. of 20,000 out from their RRSP for thier first home. Payback in 10 years after the year of purchase.

Usual 0% downpayment is rate of 6.50%-6.95%, and also default mortgage insurance will be higher too.

I personally recommended to saveup about min 10% ( from any source ) to start

 

[shuwazi]

Thank you very much

最初由 dkwan 发布
zero percent downpayment is a great way to start your first home, but the interest rate for the term usually is higher due to higher risk to the bank.

Each title owner can take a max. of 20,000 out from their RRSP for thier first home. Payback in 10 years after the year of purchase.

Usual 0% downpayment is rate of 6.50%-6.95%, and also default mortgage insurance will be higher too.

I personally recommended to saveup about min 10% ( from any source ) to start

Highly appreciated it!

 

[qwer]

我就从rrsp中借过,因为没有那么多,全借出只有8000,从第3年起,分15年还.
感觉不错.

 

[shuwazi]

跟你当时情况类似

最初由 qwer 发布
我就从rrsp中借过,因为没有那么多,全借出只有8000,从第3年起,分15年还.
感觉不错.

知道还有人也这麽干过，觉得自己也没那麽惨了，谢谢分享

 

[挺傻]

如果是第一次买房，可以享受FIRST HOME BUYER PLAN，在你首付不到25％的情况下，基本的建议都是从RRSP里面取钱。因为你即没有失去RRSP的额度（买房后第二年开始分15年还清），还可以不交税的拿出钱，凑够你的首付，减去CMHC或者GE的保险费，何乐不为。
同样，ZERO　DOWNPAY不是一个非常推荐的办法。除非有什么特殊的原因看上了很合适的房子又连5％的首付也凑不出来，这样才考虑零首付贷款。

 

[shuwazi]

最初由 挺傻 发布
如果是第一次买房，可以享受FIRST HOME BUYER PLAN，在你首付不到25％的情况下，基本的建议都是从RRSP里面取钱。因为你即没有失去RRSP的额度（买房后第二年开始分15年还清），还可以不交税的拿出钱，凑够你的首付，减去CMHC或者GE的保险费，何乐不为。
同样，ZERO　DOWNPAY不是一个非常推荐的办法。除非有什么特殊的原因看上了很合适的房子又连5％的首付也凑不出来，这样才考虑零首付贷款。

Thanks a lot!