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  • 最优利率和cashback可以申请特批，好信用好收入offer更好。请点链接扫码加微信咨询，Scotiabank -- Nick Zhang 6478812600。
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@San Francisco

1、没听说这个规定（因为听上去是个非常Stupid的规定）。2、计算不对。四万为最大值。当你年收入达到或超过4万时，政府补贴为零；年收入小于或等于2万时，政府补贴为25%。年收入在2万和4万之间的，政府补贴值随收入变化而变化。

rollor(Rollor)
本文发表在 rolia.net 枫下论坛OHOSP

How the Plan Works

If you earn less than $40,000 (or if you and your spouse have a combined income of less than $80,000), you can benefit from the Ontario Home Ownership Savings Plan. Other eligibility requirements include:

You must be 18 years of age or older; You must be an Ontario resident; You must have a social insurance number; Neither yourself nor your spouse have ever owned an eligible home anywhere, whether or not it was owner-occupied; and You never previously held an OHOSP. （年满18岁，第一次购房，第一次使用OHOSP。）

There is no limit to the amount of funds you may deposit in your OHOSP. However, you will only receive OHOSP tax credits on annual contributions of not more than $2,000 individually (or $4,000 per couple). Depending on your annual income and the amount you invest in your OHOSP, you can earn up to $500 individually or $1,000 per couple in OHOSP tax credits. You are eligible for tax credits for five consecutive years. You must close the plan and use the funds to purchase a home by the end of the seventh year. （当你年收入达到或超过4万时，政府补贴为零；年收入小于或等于2万时，政府补贴为25%。年收入在2万和4万之间的，政府补贴值随收入变化而变化。七年内必须完成买房交易。）

Otherwise, you must repay your OHOSP tax credits with interest.

Keep in mind that to qualify for a tax credit for the current taxation year, you must open a plan by December 31. A plan can be opened at any participating financial institution across the province. The funds you deposit into your OHOSP will earn interest at competitive rates. （为了今年生效，必须在12月31日前买）

You can only open one OHOSP, but your plan can be transferred from one financial institution to another. Joint OHOSPs are not available, so each spouse must open separate OHOSP accounts. （夫妻双方各开一个账户）

Eligible Homes

Qualifying homes include: （可以买如下房子，没提成交价）

a detached or semi-detached house
a townhouse
a mobile home with a permanent foundation
a condominium unit
shares in a co-operative corporation housing unit
a duplex, triplex or fourplex
Your home must be located in Ontario and be suitable for year-round residential occupancy. In addition, you must live in the home for at least 30 consecutive days within two years of the date of purchase.

Buying a Home

After you sign an Agreement of Purchase and Sale, but approximately four weeks before closing, complete an "OHOSP Home Purchase Declaration" form. This form is provided by the financial institution where you have your OHOSP. Your OHOSP funds will be released to your solicitor who will apply them to your home purchase. If you are not using a solicitor, contact the Ministry of Finance regarding the release of your funds.

Closing an OHOSP Without Buying a Home

If you close your plan without purchasing a home, you are not eligible for an OHOSP tax credit for that year. You will receive 75% of the funds in your plan from your financial institution. The balance of 25% is forwarded to the Ministry of Finance for a tax recovery credit. Any balance owing (with interest) will be returned to you.

OHOSP Tax Credits

OHOSP tax credits are based on your annual net income (line 236 of your income tax form) and your contributions to your plan each year. For couples, only one spouse can claim the OHOSP tax credit. Here is a breakdown of approximate OHOSP tax credits:

Individual:

Income >>>>>>.Contribution >> Tax Credit
up to $20,000 >>>> $2,000 >>>> $500
$25,000 >>>>>>>> $2,000 >>>> $375
$30,000 >>>>>>>> $2,000 >>>> $250
$35,000 >>>>>>>> $2,000 >>>> $125
$40,000 and over > $2,000 >>>> $0

Combined:

Income Contribution Tax Credit
up to $40,000 $4,000 $1,000
$50,000 $4,000 $750
$60,000 $4,000 $500
$70,000 $4,000 $250
$80,000 and over $4,000 $0

Land更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#917673@0)
Last Updated: 2002-12-16
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Replies, comments and Discussions:

  • 枫下家园 / 住房话题 /
    tor
    Toronto Area
    关于OHOSP有些不清楚： -arvyham(ARVY); 2002-12-16 {204} (#917368@0)
    1、是否这钱将来不能用来买价值25万以上的房屋？？
    2、当收入小于40000/年时，你最多得到政府资助的25%；当某年收入大于40000，就不能达到25%而是另外一个数字。但是当你QUIT时，这一年一样会只REFUND75%，对么？多谢！
    • 1 YES -ceo(Chief Eating Officer); 2002-12-16 (#917447@0)
      • THANX,THANX!!! -arvyham(ARVY); 2002-12-16 (#918306@0)
    • 1、没听说这个规定（因为听上去是个非常Stupid的规定）。2、计算不对。四万为最大值。当你年收入达到或超过4万时，政府补贴为零；年收入小于或等于2万时，政府补贴为25%。年收入在2万和4万之间的，政府补贴值随收入变化而变化。 -rollor(Rollor); 2002-12-16 {3847} (#917673@0)
      本文发表在 rolia.net 枫下论坛OHOSP

      How the Plan Works

      If you earn less than $40,000 (or if you and your spouse have a combined income of less than $80,000), you can benefit from the Ontario Home Ownership Savings Plan. Other eligibility requirements include:

      You must be 18 years of age or older; You must be an Ontario resident; You must have a social insurance number; Neither yourself nor your spouse have ever owned an eligible home anywhere, whether or not it was owner-occupied; and You never previously held an OHOSP. （年满18岁，第一次购房，第一次使用OHOSP。）

      There is no limit to the amount of funds you may deposit in your OHOSP. However, you will only receive OHOSP tax credits on annual contributions of not more than $2,000 individually (or $4,000 per couple). Depending on your annual income and the amount you invest in your OHOSP, you can earn up to $500 individually or $1,000 per couple in OHOSP tax credits. You are eligible for tax credits for five consecutive years. You must close the plan and use the funds to purchase a home by the end of the seventh year. （当你年收入达到或超过4万时，政府补贴为零；年收入小于或等于2万时，政府补贴为25%。年收入在2万和4万之间的，政府补贴值随收入变化而变化。七年内必须完成买房交易。）

      Otherwise, you must repay your OHOSP tax credits with interest.

      Keep in mind that to qualify for a tax credit for the current taxation year, you must open a plan by December 31. A plan can be opened at any participating financial institution across the province. The funds you deposit into your OHOSP will earn interest at competitive rates. （为了今年生效，必须在12月31日前买）

      You can only open one OHOSP, but your plan can be transferred from one financial institution to another. Joint OHOSPs are not available, so each spouse must open separate OHOSP accounts. （夫妻双方各开一个账户）

      Eligible Homes

      Qualifying homes include: （可以买如下房子，没提成交价）

      a detached or semi-detached house
      a townhouse
      a mobile home with a permanent foundation
      a condominium unit
      shares in a co-operative corporation housing unit
      a duplex, triplex or fourplex
      Your home must be located in Ontario and be suitable for year-round residential occupancy. In addition, you must live in the home for at least 30 consecutive days within two years of the date of purchase.

      Buying a Home

      After you sign an Agreement of Purchase and Sale, but approximately four weeks before closing, complete an "OHOSP Home Purchase Declaration" form. This form is provided by the financial institution where you have your OHOSP. Your OHOSP funds will be released to your solicitor who will apply them to your home purchase. If you are not using a solicitor, contact the Ministry of Finance regarding the release of your funds.

      Closing an OHOSP Without Buying a Home

      If you close your plan without purchasing a home, you are not eligible for an OHOSP tax credit for that year. You will receive 75% of the funds in your plan from your financial institution. The balance of 25% is forwarded to the Ministry of Finance for a tax recovery credit. Any balance owing (with interest) will be returned to you.

      OHOSP Tax Credits

      OHOSP tax credits are based on your annual net income (line 236 of your income tax form) and your contributions to your plan each year. For couples, only one spouse can claim the OHOSP tax credit. Here is a breakdown of approximate OHOSP tax credits:

      Individual:

      Income >>>>>>.Contribution >> Tax Credit
      up to $20,000 >>>> $2,000 >>>> $500
      $25,000 >>>>>>>> $2,000 >>>> $375
      $30,000 >>>>>>>> $2,000 >>>> $250
      $35,000 >>>>>>>> $2,000 >>>> $125
      $40,000 and over > $2,000 >>>> $0

      Combined:

      Income Contribution Tax Credit
      up to $40,000 $4,000 $1,000
      $50,000 $4,000 $750
      $60,000 $4,000 $500
      $70,000 $4,000 $250
      $80,000 and over $4,000 $0

      Land更多精彩文章及讨论，请光临枫下论坛 rolia.net
      • What's the "income" here mean? before or after tax? I'm not in Ontario but face the same question . Thanks -wander2001(猫行天下); 2002-12-16 (#917705@0)
        • 据我理解,应该是taxable income, 即T1中的 260 (可能记不准确了..) -decentboy(黄金重装甲骑士); 2002-12-16 (#917712@0)
          • thanks a lot :-) -wander2001(猫行天下); 2002-12-16 (#917736@0)
        • 其他省就不知道了。在安省，如果不加说明，INCOME通常指的就是税前收入。 -rollor(Rollor); 2002-12-16 (#917735@0)
          • 不完全对吧..INCOME有 税前收入, Net Income, taxable Income 三种, 在不同的情况下用不同的数值.... -decentboy(黄金重装甲骑士); 2002-12-16 (#917747@0)
            • THANX!! THANX!! -arvyham(ARVY); 2002-12-16 (#918302@0)
            • In this case, the INCOME means Net Income. That is, if your net income is less than $40k, then you can get 25% tax credit. -laotang(ORCL); 2002-12-16 (#918547@0)
              • 那么，政府的500元只是退税时候直接返还给你现钱，而不是进入你的OHOSP的帐户了？也就是说帐户里边只有你自己存进的金额，是吧？ -arvyham(ARVY); 2002-12-17 (#921422@0)
                • 1, yes; 2, yes. -yunboo(YESMAN); 2002-12-17 (#921533@0)
            • you are right.。以line 236中net income的数字为准，要扣除rrsp和别的抵扣之后来计算。 -ppmm(蓝妹妹); 2002-12-17 (#920909@0)
      • THANX!!!非常详尽、清楚，不愧老大！！多谢，多谢！！ -arvyham(ARVY); 2002-12-16 (#918298@0)
      • whether I can buy it only at TD bank? If I don't havean account there, should I open an account first? -newgrad(xy); 2002-12-16 (#918467@0)
        • You can buy it from any bank. Yes,you need to open an account first. -laotang(ORCL); 2002-12-16 (#918530@0)
        • 1, 任何银行。 2，帐户没必要提前开，可能也没法儿开，第一年买OHOSP时银行直接给你开新户头（只能做OHOSP计划的户头）。 -yunboo(YESMAN); 2002-12-17 (#921553@0)
          • not any bank, only Canada own banks. for example, HSBC can't do this job. -dna(protein); 2002-12-21 (#929172@0)
    • Give you a link. -1499728inc(bank); 2002-12-17 (#919754@0)
    • 再请教，夫妇一人收入超过4万，一人没收入，没收入的一方是否可以得到25%的补贴？ -yuanfei(yuanfei); 2002-12-21 (#928337@0)
      • 不是，夫妇收入一起计算的 -r2d2(R2D2); 2002-12-21 (#928435@0)
      • Since the 25% will deduct your income tax. If one doesn't have income at all, it doesn't make any sense to get that 25%. Therefore the combination plan will be suitable for this family -deneb(skydriver); 2002-12-21 (#928992@0)
        • 下面的话是说，两人总收入超过8万就没戏了，那么一人收入超过8万，一人没收入也就没戏了？ -yuanfei(yuanfei); 2002-12-21 {557} (#929093@0)
          OHOSP tax credits are based on your annual net income (line 236 of your income tax form) and your contributions to your plan each year. For couples, only one spouse can claim the OHOSP tax credit. The tax credit coming to an individual who earns up to $20,000 annual income and who puts $2,000 in an OHOSP is $500; if you make $25,000, it is $375; if you make $30,000, it is $250; if you make $35,000, it is $125. Individuals who earn $40,000 or more are not eligible for the tax credit. For couples, multiply the income, contribution and tax credit by two.
        • 唉，真糟糕，我们夫妇开了两个帐户，不知道可以该成COMBINE的吗？ -7749(人生百事); 2002-12-22 (#929323@0)
          • OHOSP没有JOINT账户。只能两口子分开开。 -lhjln(); 2002-12-22 (#929750@0)
            • 那前面的大侠说的COMBINE的帐户是什么意思呢？ -7749(人生百事); 2002-12-23 (#930955@0)
              • Here is the link. -deneb(skydriver); 2002-12-23 (#931900@0)
              • Joint OHOSPs are not available, so each spouse must open separate OHOSP accounts. -lhjln(); 2002-12-23 (#932414@0)

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