RRSPのHome Buyer's Plan (HBP)について教えてください
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無回答 2021/11/09 09:40:58
Home Buyer's Plan (HBP)は配偶者も含めてFirst-time home buyerしか使えないと思ったのですが、「Home Buyer's PlanをRRSPに返済済みなら何度でも使える」という話を聞きました。
もしそれが本当なら、何度も使えるということは、2回目以降の不動産購入にも使えるのでしょうか?
この場合、Home Buyer's Plan (HBP)を使って所得税を取られることなくRRSPの資金を使うことができるのでしょうか?
お詳しい方、よろしくお願いいたします。
Res.1
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無回答 2021/11/09 11:07:10
Definitions for Home Buyer's Plan (HBP)
First-time home buyer – Unless you are a person with a disability or you are helping a related person with a disability buy or build a qualifying home, you have to be a first time home buyer to withdraw funds from your RRSP(s) to buy or build a qualifying home under the Home Buyers’ Plan.
You are considered a first-time home buyer if, in the four year period, you did not occupy a home that you owned, or one that your current spouse or common-law partner owned.
>You are considered a first-time home buyer if, in the four year period, you did not occupy a home that you owned, or one that your current spouse or common-law partner owned.
現在配偶者の住居に住んでいる場合も first-time home buyer にならないという解釈ですが、違いますか?