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@Calgary

If you are going to buy a house...

handd(大熊猫®)
本文发表在 rolia.net 枫下论坛Which is your first time to buy a house, you could be qualified for the waive of Land Transfer Tax. (If the value of the house is around 250K, the LTT could be around 2K). However, you were not eligible of this benefit if you bought the OHOSP. On the other hand, if your family income is less than 20k and if you and your spouse contribute 4K ( which is the maximum) into OHOSP, you can get 1K tax refund each year. But if your family income is greater than 80K, you will get nothing though you keep contributing into OHOSP. So, let's do a comparson.

1 You didn't contribute into the OHOSP. You bought a 250K house, you would get 2K waive of LTT

2 Your first year's income is 2K (because you had just worked for a few months), and you contributed 4K into OHOSP. You got 1K refund. Then in the second year, your salary is up to 40K and your spouse's is up to 20K, you only can get 250 refund. The more your income is, the less you get the refund.
So you get 1.xxK refund, but you have to paid 2.xxxK more for the LTT更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#897921@0)
Last Updated: 2002-12-6
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Replies, comments and Discussions:

  • 枫下家园 / 住房话题 /
    tor
    Toronto Area
    听说有一个初次购房，政府赞助的事情，具体不是很清楚，只是想问问有没有这回事？就是：你有2000刀，政府就给500刀。知道的请告之如何运行谢 -bluewing(蓝色翅膀); 2002-12-6 (#897173@0)
    • #884837 -mssg(mssg); 2002-12-6 (#897187@0)
      • please pay attention to Land Transfer Tax -handd(大熊猫®); 2002-12-6 (#897219@0)
      • if you are going to buy a house which value is greater than 250k, and your family income is greater than 60k, I suggest you do NOT buy OHOSP -handd(大熊猫®); 2002-12-6 (#897223@0)
        • 我符合你说的条件, 我也没买OHOSP, 但当时没时间研究那东西, 能否讲讲为什么?估计对许多要买房的有帮助, 多谢, -ssi(文文); 2002-12-6 (#897515@0)
          • If you are going to buy a house... -handd(大熊猫®); 2002-12-6 {1026} (#897921@0)
            本文发表在 rolia.net 枫下论坛Which is your first time to buy a house, you could be qualified for the waive of Land Transfer Tax. (If the value of the house is around 250K, the LTT could be around 2K). However, you were not eligible of this benefit if you bought the OHOSP. On the other hand, if your family income is less than 20k and if you and your spouse contribute 4K ( which is the maximum) into OHOSP, you can get 1K tax refund each year. But if your family income is greater than 80K, you will get nothing though you keep contributing into OHOSP. So, let's do a comparson.

            1 You didn't contribute into the OHOSP. You bought a 250K house, you would get 2K waive of LTT

            2 Your first year's income is 2K (because you had just worked for a few months), and you contributed 4K into OHOSP. You got 1K refund. Then in the second year, your salary is up to 40K and your spouse's is up to 20K, you only can get 250 refund. The more your income is, the less you get the refund.
            So you get 1.xxK refund, but you have to paid 2.xxxK more for the LTT更多精彩文章及讨论，请光临枫下论坛 rolia.net
            • Big thanks. Really good to know. Thanks again. -ssi(文文); 2002-12-6 (#897931@0)
            • 你说的“a house" 应该是"a 'N-E-W' house" 吧? 对于买旧HOUSE的,是没有2000CAD waive of LTT 的, 对不对?所以,如果买旧房, 购买OHOSP一定是合算的! 一不小心,误导了,损失很大啊! -yunboo(HappyFace); 2002-12-9 (#901917@0)
            • You can only get % of your owned interest of the house!!!! -eatonh(麻辣凉面); 2002-12-13 {524} (#912289@0)
              HOW MUCH IS THE REFUND?
              The amount of the refund will be the entire amount of tax paid or payable, up to a maximum of $1,725. If you own less than 100% interest in the newly-built home, the amount will be reduced and calculated according to the amount of interest in the home. For example: If you own 100% of your new home and you paid $250,000, the amount of Land Transfer Tax payable is $2,225. You will receive a refund of $1,725. If however, you owned 50% interest in your home, the amount is 50% of $1,725, or $862.50.
      • 请问,我无工作,但我先生的工资有55K,这样我先生还能买吗?我因为没工作,是否买了也无税可退? -noddy(noddy); 2002-12-6 (#898650@0)
        • read URL, based on 55K income, 4000 per couple contribute, you can get 375 tax credit. correct me if I am wrong -mssg(mssg); 2002-12-6 (#898676@0)
          • 谢谢,那么我和我先生得分开开户吗? -noddy(noddy); 2002-12-8 (#900317@0)
            • yes -beibei(beibei); 2002-12-8 (#900329@0)
        • 夫妻应分别开户，合在一起报税。你们的总收入是55K，如果买了RSP，这部分收入扣除以后再计算。 -walker(walker); 2002-12-8 (#900438@0)
          • 多谢各位DX,我明天就去开户. -noddy(noddy); 2002-12-8 (#900478@0)
          • 夫妻合在一起报税? How to do that? Could you pleasegive some information? -cga(skill change); 2002-12-9 (#902197@0)
            • 税表两个人都是要填的。但是安省的CREDIT只能由夫妻两人中的一人来报。OHOSP这部分应填入夫妻两人扣除RSP供款后的总收入。关于OHOSP， -walker(walker); 2002-12-9 {190} (#902480@0)
              可以到银行索取“红头”文件。但是有的银行职员可能不清楚这回事（某些员工的业务水平实在不敢恭维）。另外，因为PAPER WORK比较繁琐，有的支行可能不愿意做这项业务，故意推脱，这时候就只好PUSH他们了。
              • 有的支行可能不愿意做这项业务，故意推脱，这时候就只好PUSH他们了。--- 严重同意!. -mkat(mkat); 2002-12-10 (#905606@0)
    • OHOSP，其它省估计也有类似的东西 -ceo(_); 2002-12-6 (#897190@0)
    • 多谢各位的热心回答，请问一下，现在还可以买吗？在哪里买呢？多谢！ -bluewing(蓝色翅膀); 2002-12-6 (#897275@0)
      • You'd better be quick. It can be bought before Dec. 31 every year before you buy ur first house. Go to any banks ask for OHOSP. -blockbuster(sleepyhollow); 2002-12-6 (#897471@0)
    • 美国好像也有相似政策, 是降低犯罪率的高招 -passby(passby); 2002-12-6 {136} (#897501@0)
      马克思怎么说的: 无产阶级是最彻底的革命者.

      这句话放之四海而皆准.

      所以, 要想政权稳定, 就要想方设法瓦解无产阶级. 鼓励买房就特有效 :)
    • 今天我去TD问过OHOSP帐户的情况, 职员说若以后不在安省买房政府要收回帐户总金额的25% -ttc(关公战秦琼); 2002-12-6 {305} (#898748@0)
      家庭总收入, 存款, 政府补贴. CLOSE帐户可领回金额
      40K, 4000, 1000, 3750
      50K, 4000, 750, 3562
      60K, 4000, 500, 3375
      70K, 4000, 250, 3187
      80K, 4000, 0, 没意义

      存钱以后若不买房消户回很亏的.
      • 并不是close账户而不买房子只退回75%，其实是先上缴国库25%，然后政府给你计算这些年里由于你购买了OHOSP而欠政府的税，以及这些税所产生的利息，然后多退少补。 -jqian(Q_Q); 2002-12-10 (#905078@0)
    • 一定要抢在12月31日前买，否则当年一千元退税就没有了，但4万以上 可能没有什么用处 -nolater(nolater); 2002-12-8 (#901766@0)
      • I opened account at BMO today -wendywendy(wind); 2002-12-10 (#905068@0)
        • 请问你是怎样办的？ -bluewing(蓝色翅膀); 2002-12-10 (#905511@0)
          • just make appointement (about OHOSP account) before you go there. -wendywendy(wind); 2002-12-10 {204} (#906158@0)
            When you go there, tell them open two seperate account for couple, transfer 2000 to each account, sign that's all--you need sin card number, ID with your address on(such as driving license), quite simple
            • Thank you very much! -bluewing(蓝色翅膀); 2002-12-11 (#906694@0)

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