<p><b>First-Time Home Buyer</b>가 누릴 수 있는 정부지원정책을 간략하게 정리해 보았습니다.</p><p> </p><p><b>1.    LTT(Land Transfer Tax) Refunds : LTT 일부 혹은 전부 환불</b></p><p><b>2.    First-Time Home Buyer Incentive : 정부에서 다운페이먼트를 최대 10% 지원</b></p><p><b>3.    Home buyers’ plan : 최대 $35,000까지 RRSP로부터 인출 가능</b></p><p><b>4.    First-Time Home Buyer Tax Credit : 최대 $5,000불까지 택스 클레임 가능</b></p><p> </p><p><b>1. Land Transfer Tax Refunds for First-Time Home Buyers </b>: 전세계 어느 곳이든 한번도 주택을 소유한 적이 없는 생애 첫 주택 구입자는 Land Transfer Tax를 온타리오의 경우 최대 $4,000까지 환급받을 수 있습니다. 토론토의 경우, Municipal Tax에서도 $4,475를 추가로 환급받을 수 있습니다. 만약 주택을 여러 사람이 공동으로 구입하지만, 한사람만 First-Time Home Buyer인 경우, 환급받는 금액은 그 비율만큼 줄어들게 됩니다.</p><p> </p><p><a href="https://www.fin.gov.on.ca/en/bulletins/ltt/1_2008.html" target="_top" class="ke-link">https://www.fin.gov.on.ca/en/bulletins/ltt/1_2008.html</a> </p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title="Land Transfer Tax Refunds for First-Time Homebuyers" data-og-description="" data-og-host="www.fin.gov.on.ca" data-og-source-url="https://www.fin.gov.on.ca/en/bulletins/ltt/1_2008.html" data-og-url="https://www.fin.gov.on.ca/en/bulletins/ltt/1_2008.html" data-og-image=""><a href="https://www.fin.gov.on.ca/en/bulletins/ltt/1_2008.html" target="_blank" data-source-url="https://www.fin.gov.on.ca/en/bulletins/ltt/1_2008.html"><div class="og-image" style="background-image:url()"></div><div class="og-text"><p class="og-title">Land Transfer Tax Refunds for First-Time Homebuyers</p><p class="og-desc"></p><p class="og-host">www.fin.gov.on.ca</p></div></a></div><p> </p><p><b>2. First-Time Home Buyer Incentive</b> : Shared Equity Mortgage 형태로, 생애 첫 주택 구입자에 한하여, CMHC(Canada Mortgage and Housing Corporation) 에서 구매하는 주택가격의 5%~10%의 다운페이먼트를 지원해줍니다. 최대 주택 구입 가격, 최대 인컴 수준, 최소 다운페이먼트 등의 여러가지 까다로운 조건이 있어서, 토론토 등 평균 주택 가격이 비싼 지역에서는 크게 활성화되어 있지는 않지만, 연방정부로부터의 조건완화 등이 추진되고 있어, 잘만 활용하면 아주 매력적인 인센티브 제도입니다.</p><p> </p><p><a href="https://www.placetocallhome.ca/fthbi/first-time-homebuyer-incentive" target="_blank" class="ke-link">https://www.placetocallhome.ca/fthbi/first-time-homebuyer-incentive</a></p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title="First-Time Home Buyer Incentive | Place to Call Home" data-og-description="Learn how to get an additional 5 or 10% to add to your down payment on your first home." data-og-host="www.placetocallhome.ca" data-og-source-url="https://www.placetocallhome.ca/fthbi/first-time-homebuyer-incentive" data-og-url="https://www.placetocallhome.ca/fthbi/first-time-homebuyer-incentive" data-og-image="https://scrap.kakaocdn.net/dn/uPiqb/hyJn7AiHeU/5xIWAc06qVwmtUfEUe9Pfk/img.png?width=1900&height=1218&face=0_0_1900_1218"><a href="https://www.placetocallhome.ca/fthbi/first-time-homebuyer-incentive" target="_blank" data-source-url="https://www.placetocallhome.ca/fthbi/first-time-homebuyer-incentive"><div class="og-image" style="background-image:url(https://scrap.kakaocdn.net/dn/uPiqb/hyJn7AiHeU/5xIWAc06qVwmtUfEUe9Pfk/img.png?width=1900&height=1218&face=0_0_1900_1218)"></div><div class="og-text"><p class="og-title">First-Time Home Buyer Incentive | Place to Call Home</p><p class="og-desc">Learn how to get an additional 5 or 10% to add to your down payment on your first home.</p><p class="og-host">www.placetocallhome.ca</p></div></a></div><p> </p><p><b>3. Home Buyers’ Plan</b> : First-Time Home Buyer가 RRSP에 저축되어 있는 자금에서 $35,000까지 인출하여 새집을 구입하는데 사용할 수 있습니다. 결혼한 부부의 경우 최대 $70,000까지 RRSP에서 주택구입자금을 인출할 수 있고, 인출한 자금은 향후 15년 안에 다시 상환해야 합니다. 단, 인출하는 자금은 RRSP 계좌에 최소 90일 이상 보유했었어야 합니다.</p><p> </p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html" target="_top" class="ke-link">https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html</a> </p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title="What is the Home Buyers' Plan (HBP)? - Canada.ca" data-og-description="Budget 2019 increase the HBP withdrawal limit to $35,000. This applies to withdrawals made after March 19, 2019." data-og-host="www.canada.ca" data-og-source-url="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html" data-og-url="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html" data-og-image=""><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html" target="_blank" data-source-url="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html"><div class="og-image" style="background-image:url()"></div><div class="og-text"><p class="og-title">What is the Home Buyers' Plan (HBP)? - Canada.ca</p><p class="og-desc">Budget 2019 increase the HBP withdrawal limit to $35,000. This applies to withdrawals made after March 19, 2019.</p><p class="og-host">www.canada.ca</p></div></a></div><p> </p><p><b>4. First-Time Home Buyer Tax Credit</b> : 생애 첫 주택 구입자는 주택구입시 필요한 변호사 비용, 인스펙션 비용 등의 각종 클로징 비용의 부담을 줄이기 위해, 다음 해 개인 세금 보고할 때, $5,000까지 그 비용에 대한 택스 클레임을 신청할수 있으며, 온타리오 거주자의 경우, 최대 $750까지 택스를 줄일 수 있습니다.</p><p> </p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-31270-home-buyers-amount.html" target="_top" class="ke-link">https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-31270-home-buyers-amount.html</a> </p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title="Line 31270 – Home buyers' amount - Canada.ca" data-og-description="Note: Line 31270 was line 369 before tax year 2019. You can claim $5,000 for the purchase of a qualifying home in the year if both of the following apply: you or your spouse or common-law partner acquired a qualifying home you did not live in another home" data-og-host="www.canada.ca" data-og-source-url="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-31270-home-buyers-amount.html" data-og-url="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-31270-home-buyers-amount.html" data-og-image=""><a href="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-31270-home-buyers-amount.html" target="_blank" data-source-url="https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-31270-home-buyers-amount.html"><div class="og-image" style="background-image:url()"></div><div class="og-text"><p class="og-title">Line 31270 – Home buyers' amount - Canada.ca</p><p class="og-desc">Note: Line 31270 was line 369 before tax year 2019. You can claim $5,000 for the purchase of a qualifying home in the year if both of the following apply: you or your spouse or common-law partner acquired a qualifying home you did not live in another home</p><p class="og-host">www.canada.ca</p></div></a></div><p> </p><p> </p><p>아울러, First-Time Home Buyer에게만 적용되는 것은 아니지만, GST/HST New Housing Rebate도 있으니 참고하시기 바랍니다. 새 주택 구입시, 거주용인 경우, 빌더가 알아서 GST/HST 부분을 처리하지만, 투자임대용인 경우, 구입자가 리베이트를 별도로 신청해야 합니다.</p><p> </p><p><a href="https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/charge-collect-home-construction/new-housing-rebate.html" target="_top" class="ke-link">https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/charge-collect-home-construction/new-housing-rebate.html</a> </p><div class="figure-open" contenteditable="false" data-ke-type="opengraph" data-ke-align="alignCenter" data-og-type="website" data-og-title="GST/HST new housing rebate - Canada.ca" data-og-description="Eligibility for the GST/HST new housing rebate You may be eligible for a new housing rebate for some of the GST/HST paid if you are an individual who: purchased new or substantially renovated housing from a builder, including housing on leased land (if the" data-og-host="www.canada.ca" data-og-source-url="https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/charge-collect-home-construction/new-housing-rebate.html" data-og-url="https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/charge-collect-home-construction/new-housing-rebate.html" data-og-image=""><a href="https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/charge-collect-home-construction/new-housing-rebate.html" target="_blank" data-source-url="https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/charge-collect-home-construction/new-housing-rebate.html"><div class="og-image" style="background-image:url()"></div><div class="og-text"><p class="og-title">GST/HST new housing rebate - Canada.ca</p><p class="og-desc">Eligibility for the GST/HST new housing rebate You may be eligible for a new housing rebate for some of the GST/HST paid if you are an individual who: purchased new or substantially renovated housing from a builder, including housing on leased land (if the</p><p class="og-host">www.canada.ca</p></div></a></div><p> </p><p> </p><p>더 자세한 것이 알고 싶거나, 궁금한 점이 있으면, 아래 연락처로 연락주시기 바랍니다.</p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/7rX/ebe9363aac8fc6f512eec056ceb3b12a16f46284" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/7rX/ebe9363aac8fc6f512eec056ceb3b12a16f46284" data-orgin-width="369" data-origin-height="217"></div>
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첫댓글 First home buyer incentive program household income $120,000.00에서 $150,000.00으로 바뀐다던데 언제쯤 컨펌 나는지 아시나요 혹시?
정부에서 제안은 해놓은 상태인데, 의회에서 아직 승인이 나지 않은 것으로 알고 있습니다. 확정되면 바로 공지가 나오리라 봅니다.
@Sam Kim Realtor 댓글 감사합니다!!! 🙏