安省购房储蓄补贴计划(Ontario Home Ownership Savings Plan)

如果您现在的年收入在40000加币以内, 准备在未来几年里第一次在安大略省买房, 而且并没有打算放弃加拿大的永久居民身份, 可以考虑这个补贴计划. 否则此计划并不适合于您.

The Ontario Home Ownership Savings Plan (OHOSP) was established to help first-time buyers realize their dreams of homeownership. If you earn less than $40,000 (or if you and your spouse have a combined income of less than $80,000) then you are eligible to benefit from OHOSP. Other criteria include:

You must be 18 years of age or older;

You must be an Ontario resident;

You must have a social insurance number;

Neither you nor your spouse has ever owned an eligible home anywhere, whether or not it was owner-occupied; and You never previously held an OHOSP.

There is no limit to the number 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 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. Otherwise, you must repay your OHOSP tax credits with interest.

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.