A quite simple thing has been asked, explained, misled so complicatedly and by so many posts. By the way, I can not understand your first point.
-jameschen6(梦想农庄 - 今年草坪);
2009-8-9(#5472921@0)
用RRSP买房是要还的,何来省税?相当于从自己的账户中借钱,成本就是RRSP本身的收益。当然,省下了按揭的利息。是可以省一点利息差的。我随便乱算吧:5万rrsp. 假设利息差是2%,那么利息在15年(MAXIMUM FOR HBP) 内差大约7888元。也就是说,对于穷人吗,是最大可能省这么多了。而且有个前提,是你必须15年内没有其他存款或多余的钱,否则,还不如存在rrsp合算呢。
-iwantcar_majia(iwantcar);
2009-8-9{307}(#5474043@0)
not sure. just googled a guy's saying. I am not interested in this part that much...Now that was wrong. Please read: (#5474540@0)
-iwantcar_majia(iwantcar);
2009-8-10(#5474701@0)
I think you must make some mistake somewhere. Anyway,Suppose you have 40000 dollor, intrest rate is 4% for 15 years. you get 40000 * 1.05 ^15 = 72037 dollar. It is not difficult to earn more than 30000 dollor in 15 years.
-iwantcar_majia(iwantcar);
2009-8-10(#5474495@0)
# 查了一些网上的一些信息,是不能够提前还的,所以,RRSP借钱还亏了。你满意了吗? -iwantcar_majia(iwantcar); 00:23 (74 bytes. #5474141@0) So, would you confirm?
-iwantcar_majia(iwantcar);
2009-8-10(#5474510@0)
I googled last night. A guy said so after he called CRA. I think that guy must be wrong. You are right. Anyway, I always saying I am not sure about this part and 抛砖引玉而已.
-iwantcar_majia(iwantcar);
2009-8-10(#5474697@0)
是能够提前还的. I paid off my RRSP in 3years
-ineaton(AN);
2009-8-10(#5474696@0)
Agree. LZ is bullshit talk. The whole idea of using RRSP for first time home buyer is a tax benefit. In short, this benefit will help first time homebuyer to save on tax plus to get downpayment of 40000 to buy first home.
-mi_amigo(la playa);
2009-8-10(#5475976@0)