如何使用RRSP买房

[Shirley72]

去年才搬家来加拿大, 所以RRSP里不够$20,000. 如现在买房, 可以在明年或后年RRSP有足够额度时拿出两万来付首次买的房屋的贷款吗?

 

[Ayin_Ottawa]

不行。我想。

你现在买房，现在取RRSP（好像还有三个月之类的限制，我记得。就是RRSP的钱过至少三个月才能够取出来做房子的首付）。

 

[巴菲]

去年才搬家来加拿大, 所以RRSP里不够$20,000. 如现在买房, 可以在明年或后年RRSP有足够额度时拿出两万来付首次买的房屋的贷款吗?

RRSP首付必須在closing-date那天付出，所以如果你是今年簽合約，明年入住，那是可以的。注意一點，FUND必須在closing-date前90天就AVAILABLE并申明你是First-Home-Buyer。

 

[Shirley72]

非常感谢！

我是今年签的合同， 明年入住. 看来现在买2008年的相应RRSP额度，明年可以用. 只是刚工作了半年, 不够20000

 

[ccc]

新规定，首次购房可以提$25,000的RRSP。施行没有？

 

[ccc]

怎么买rrsp?自己直接去银行买吗?

不是买RRSP。RRSP是一种储蓄计划，去金融机构开户，按税务局根据你的收入给的额度每年存款。如果把这笔钱拿来搞投资，所得利润回到这个户头，也不算当年收入。

什么时候提RRSP出来用，算做那年的收入。

What is an RRSP?

RRSP stands for Registered Retirement Savings Plan.

One of the most popular ways to invest money in Canada is called a Registered Retirement Savings Plan (RRSP). This isn't a normal investment; it is an account that lets you save money for your retirement and lowers your income taxes.

In Canada, you pay taxes on the money you make, such as income tax (tax on your pay from work) and capital gains tax (tax on profits you make from the sale of an asset, such as an investment).

Money or investments you put into an RRSP reduces your taxable income. You don't pay tax on the amount you contribute, and any income you earn on this money, until you take the money out of the plan. If you wait until you retire, when your income is lower, you pay lower taxes on the money you take out from an RRSP.

RRSPs help you save for the long-term, but in an emergency you can take out the money. You don’t have to wait for retirement to take money out of your RRSP. But, if you take out any money from your RRSP before you retire, you will have to pay tax on this amount.

Who can open an RRSP?
Getting started with an RRSP as early as you can is important. This is particularly important for newcomers, since you may be starting this investment later than others.
You can open an RRSP if you:

• Are a Canadian resident for tax purposes* and file income taxes in Canada;
• Are 71 years old or under; and
• Have an income.

*Residence for tax purposes is different from residence for immigration purposes. Find more information about your tax status in Canada.

You can find more information on opening an RRSP on the Canada Revenue Agency (CRA) website.
You can open an RRSP account at a bank, mutual fund dealer, or another compay that is approved by the CRA.
How much can I put in my RRSP?

The amount of money you can put in your RRSP each year depends on your taxable income. Find information about what taxable income is.
Each year, you can make contribution of up to 18% of your earned income from the year before, up to a maximum of $20,000 for the 2008 tax year. For 2009, this will increase to $21,000. If you filed taxes last year, the Notice of Assessment you receive from the CRA tells you how much you are allowed to deduct for an RRSP contribution for this tax year.

 

[xtina]

For the first home buyer, it's 89 days buy in. not 90 days.