<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by tc:
<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by shift operator:
请问TC，假如我的RRSP户口有20000存款， 我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！<HR></BLOCKQUOTE>
Yes! Both of you can withdraw money from your RRSP account and your wife's SRRSP account for $20000 each, but both of you have to repay it back within 15 years, provided with both of you are the first time to buy your home.
If you do not pay it back on time, there is a tax consequence.
"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
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tc, I thought you are wrong. below was you said:
Originally posted by tc:
例如： 夫挣钱， 妻现在不挣钱， 而且估计今后几年也不会有什么收入或只有很少的收入。
应该做的：夫开一个 RRSP 户口， 投少钱或不投钱，但如计划近期买房，最多投两万，其余的都投入到妻子的 SRRSP 户口上。
妻开一个 RRSP 户口，这个户口妻子自己是供款人。一个 SRRSP 户口，这个户口，丈夫是供款人，而妻子是这个户口的 owner.
供款人对他/她所供款的户口负税务责任，无论这个户口是 RRSP 还是 SRRSP. 但供款人只对他/她供款的 SRRSP 户口负三年的责任， 三年后，这个责任就可以转嫁到 SRRSP 户口的拥有人头上。
所以，若是三年内从 SRRSP 户口上取钱， 这笔钱就要算到供款人头上作为供款人当年的收入而纳税。
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So this $40K should all be the husband's quota after 90 days in 3 years. The answer should be 'NO'.
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