First-Time Home Buyer Incentive
Para ser elegible en el programa “Incentivo para Compradores de Vivienda por Primera Vez” usted debe tener el pago inicial o enganche mínimo del 5% del valor total y entonces podrá solicitar una hipoteca de capital compartido de 5% o 10% con el Gobierno de Canadá.
5% de la compra por primera vez para un comprador de casas existentes
5% o 10% de la compra por primera vez para un comprador de una casa nueva o una casa en construcción
El incentivo está disponible para quienes compran una vivienda por primera vez con ingresos anuales calificados máximo de $120,000 o menos. La hipoteca asegurada de un participante y el monto del incentivo no pueden ser más de cuatro veces el ingreso anual calificado del participante.
Quién puede aplicar?
Ciudadanos canadienses, residentes permanentes y residentes no permanentes que están legalmente autorizados para trabajar en Canadá. Solo aplica para compradores de vivienda por primera vez
Qué propiedades son elegibles?
Propiedades residenciales de 1 a 4 unidades incluyendo nueva construcción y casa de usadas en venta.
La propiedad debe estar ubicada en Canadá y debe ser adecuada y disponible para ocupación de tiempo completo durante todo el año.
First-Time Home Buyer Incentive
With the “First-Time Home Buyer Incentive“, you need to have the minimum down payment to be eligible. You can then apply for a 5% or 10% shared equity mortgage with the Government of Canada.
- 5% of a first-time buyer’s purchase of existing homes
- 5% or 10% of a first-time buyer’s purchase of a new build
The incentive is available to first-time homebuyers with qualified annual incomes of $120,000 or less. A participant’s insured mortgage and the incentive amount cannot be greater than four times the participant’s qualified annual income.
Who can apply?
- Canadian citizens, permanent residents, and non-permanent residents who are legally authorized to work in Canada
- Borrowers must have a maximum qualifying income of $120,000
- Total qualifying income cannot exceed $120,000 per year
- This is subject to qualifying income requirements set out by lenders and mortgage loan insurers
- At least one borrower must be a first-time homebuyer
What properties are eligible?
The Incentive is to help first-time homebuyers purchase their first home. Eligible properties include:
- 1 to 4 unit residential properties which includes
- new construction
- re-sale home
- new and re-sale mobile/manufactured homes
- The property must be located in Canada and must be suitable and available for full-time, year-round occupancy.
Sorry we are experiencing system issues. Please try again.
Source: First Home Buyers Incentive
Fernando Aramburu
Urban Real Estate
Calgary Real Estate