{"id":190,"date":"2012-02-28T21:29:38","date_gmt":"2012-02-29T02:29:38","guid":{"rendered":"http:\/\/www.olgaouspenski.net\/blogwp1\/?p=190"},"modified":"2014-07-01T22:18:21","modified_gmt":"2014-07-02T03:18:21","slug":"lachat-dune-premiere-habitation-reer-et-rap-first-time-home-buyer-rrsp-and-hbp","status":"publish","type":"post","link":"https:\/\/www.olgaouspenski.net\/blogwp1\/lachat-dune-premiere-habitation-reer-et-rap-first-time-home-buyer-rrsp-and-hbp\/","title":{"rendered":"L’achat d’une premi\u00e8re habitation : REER et RAP \/ First-time Home Buyer : RRSP and HBP"},"content":{"rendered":"

<\/a>R\u00e9gime d’accession \u00e0 la propri\u00e9t\u00e9 (RAP)<\/h1>\n

\"reerpig\"<\/a>Le R\u00e9gime d’accession \u00e0 la propri\u00e9t\u00e9 (RAP) est un programme qui vous permet de retirer des fonds de vos r\u00e9gimes enregistr\u00e9s\u00a0d’\u00e9pargne-retraite\u00a0(REER) pour acheter ou construire une\u00a0habitation admissible<\/a>\u00a0pour\u00a0vous-m\u00eame\u00a0ou pour une\u00a0personne handicap\u00e9e qui vous est li\u00e9e<\/a>. Vous pouvez retirer jusqu’\u00e0\u00a025 000\u00a0$\u00a0dans une ann\u00e9e civile.<\/p>\n

Vos cotisations REER doivent demeurer au compte REER au moins\u00a090 jours\u00a0avant de les retirer pour participer au RAP, ou les cotisations pourraient ne pas \u00eatre d\u00e9ductibles pour aucune ann\u00e9e.<\/p>\n

G\u00e9n\u00e9ralement, vous avez 15 ans pour rembourser les montants retir\u00e9s de vos REER. Vous devez rembourser chaque ann\u00e9e un montant dans vos REER, jusqu’\u00e0 ce que le solde du RAP soit nul. Si vous ne remboursez pas le montant pr\u00e9vu pour une ann\u00e9e, vous devrez l’inclure dans vos revenus de cette\u00a0ann\u00e9e-l\u00e0.<\/p>\n

——————————————————————————————-<\/p>\n

<\/a>Home Buyers’ Plan (HBP)<\/h1>\n

\"CalculatorThe Home Buyers’ Plan (HBP) is a program that allows you to withdraw funds from your registered retirement savings plan (RRSPs) to buy or build a\u00a0qualifying home<\/a>\u00a0for yourself or for a related\u00a0person with a disability<\/a>. You can withdraw up to\u00a0$25,000\u00a0in a calendar year.<\/p>\n

Your RRSP contributions must remain in the RRSP for at least\u00a090 days\u00a0before you can withdraw them under the HBP, or they may not be deductible for any year.<\/p>\n

Generally, you have to repay all withdrawals to your RRSPs within a period of no more than\u00a015 years. You will have to repay an amount to your RRSPs each year until your HBP balance is zero. If you do not repay the amount due for a year, it will have to be included in your income for that year.<\/p>\n

Source :\u00a0http:\/\/www.cra-arc.gc.ca<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

R\u00e9gime d’accession \u00e0 la propri\u00e9t\u00e9 (RAP) Le R\u00e9gime d’accession \u00e0 la propri\u00e9t\u00e9 (RAP) est un programme qui vous permet de retirer des fonds de vos r\u00e9gimes enregistr\u00e9s\u00a0d’\u00e9pargne-retraite\u00a0(REER) pour acheter ou construire une\u00a0habitation admissible\u00a0pour\u00a0vous-m\u00eame\u00a0ou pour une\u00a0personne handicap\u00e9e qui vous est li\u00e9e. Vous pouvez retirer jusqu’\u00e0\u00a025 000\u00a0$\u00a0dans une ann\u00e9e civile. Vos cotisations REER doivent demeurer au compte … Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":2253,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1,61,58],"tags":[47,37,19,45,26,33,15,32,11,17,14,24,16],"class_list":["post-190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-immobilier","category-info","category-real-estate-2","tag-analyse-marche-residentiel","tag-avantages-financiers","tag-broker","tag-five-year-fixed","tag-immobilier-2","tag-lachat-dune-propriete","tag-les-prix-de-limmobilier","tag-maison-unifamiliale","tag-marche-immobilier","tag-mortgage-rate","tag-news","tag-obtenir-lhypotheque","tag-real-estate"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.olgaouspenski.net\/blogwp1\/wp-content\/uploads\/2012\/02\/reerpig150.jpg?fit=132%2C127&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1UEHj-34","_links":{"self":[{"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/posts\/190","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/comments?post=190"}],"version-history":[{"count":7,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/posts\/190\/revisions"}],"predecessor-version":[{"id":2252,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/posts\/190\/revisions\/2252"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/media\/2253"}],"wp:attachment":[{"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/media?parent=190"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/categories?post=190"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/tags?post=190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}