01
RRSP购房计划
Home Buyers' Plan (HBP)
从RRSP中免税提取资金支付首付，15年内偿还。
Withdraw from your RRSP tax-free for a down payment, repay within 15 years.
每人最高提取 $60,000 | 每对夫妇 $120,000
$60,000 per person | $120,000 per couple
02
首次购房退税
First-Time Buyer Rebates
安省土地转让税最高退$4,000，联邦购房者税收抵免$1,500。
Ontario LTT rebate up to $4,000, federal tax credit $1,500.
安省: 房价 ≤ $600,000 可享全额退税
Ontario: Full rebate for homes ≤ $600,000
03
压力测试要求
Stress Test Requirements
合格利率 = 合同利率 + 2% 或 5.25% (取较高者)。GDS ≤ 39%, TDS ≤ 44%。
Qualifying rate = contract rate + 2% or 5.25% (whichever is higher).
当前合格利率 7.39% | GDS 39% | TDS 44%
Current qualifying rate 7.39%
首次购房准备清单
First-Time Buyer Checklist
✓
确认首次购房者资格
Verify first-time buyer status
✓
检查RRSP存款额度
Check RRSP contribution room
✓
获取房贷预批
Get mortgage pre-approval
✓
计算土地转让税
Calculate land transfer tax
✓
预留验房费用
Budget for home inspection
✓
寻找房产律师
Find a real estate lawyer
RRSP购房计划提取计算器
HBP Withdrawal Calculator
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最高可提取金额
Maximum HBP Withdrawal
$45,000
* 每人最高$60,000，夫妻最高$120,000，需在15年内偿还
* Max $60,000 per person, $120,000 per couple, repay within 15 years