{"id":3584,"date":"2023-01-21T13:11:09","date_gmt":"2023-01-21T12:11:09","guid":{"rendered":"https:\/\/www.ubitax.ca\/?p=3584"},"modified":"2023-02-04T19:25:59","modified_gmt":"2023-02-04T18:25:59","slug":"premiere-propriete-au-canada-et-taxes","status":"publish","type":"post","link":"https:\/\/www.ubitax.ca\/en\/premiere-propriete-au-canada-et-taxes\/","title":{"rendered":"Premi\u00e8re propri\u00e9t\u00e9 au Canada et taxes"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3584\" class=\"elementor elementor-3584\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb78dd4 elementor-section-boxed ang-section-padding-initial elementor-section-height-default elementor-section-height-default elementor-repeater-item-none elementor-repeater-item-none_hover elementor-invisible\" data-id=\"bb78dd4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;bounceIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d9f8efe elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"d9f8efe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe9cf73 elementor-align-center elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-button\" data-id=\"fe9cf73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.ubitax.ca\/en\/#revenu\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-alt-circle-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Votre d\u00e9claration de revenus produite par un expert en 4 \u00e9tapes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3255747 elementor-section-boxed ang-section-padding-initial elementor-section-height-default elementor-section-height-default elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"3255747\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-728987c elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"728987c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-369b3ae elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-heading\" data-id=\"369b3ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tout sur le R\u00e9gime d'accession \u00e0 la propri\u00e9t\u00e9 (RAP)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a63801 elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-text-editor\" data-id=\"4a63801\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Vous voulez vous installer ? Trouver une maison, faire une offre d&rsquo;achat qui sera accept\u00e9e sont quelques-unes des \u00e9tapes. \u00c0 la fin, vous devrez \u00e9valuer vos finances avec votre banque.<\/p><p>Pour vous donner une chance, vous pouvez d\u00e9bloquer des fonds par le biais de vos REER : C&rsquo;est le R\u00e9gime d&rsquo;accession \u00e0 la propri\u00e9t\u00e9 (RAP).<\/p><p>Pour r\u00e9duire vos versements hypoth\u00e9caires ou \u00e9viter de payer l&rsquo;assurance hypoth\u00e9caire (obligatoire si votre mise de fonds est inf\u00e9rieure \u00e0 20 % du prix d&rsquo;achat de votre maison), il faut plus d&rsquo;argent.<\/p><p>C&rsquo;est l\u00e0 que le RAP prend tout son sens, surtout si vous n&rsquo;avez pas assez d&rsquo;argent disponible tout de suite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-002d6d4 elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-heading\" data-id=\"002d6d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce que le R\u00e9gime d'accession \u00e0 la propri\u00e9t\u00e9 (RAP) ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb7c1b3 elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-text-editor\" data-id=\"eb7c1b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Le RAP est un programme gouvernemental qui vous permet de retirer jusqu&rsquo;\u00e0 35 000 $ de vos cotisations REER pour financer l&rsquo;achat d&rsquo;une propri\u00e9t\u00e9. Ce montant est doubl\u00e9 si vous achetez en couple. Le d\u00e9lai de remboursement sans int\u00e9r\u00eat est de 15 ans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-766b9c9 elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-heading\" data-id=\"766b9c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00c0 qui s'adresse le RAP ? Quelles sont les conditions ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7329960 elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-text-editor\" data-id=\"7329960\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Certains crit\u00e8res d&rsquo;admissibilit\u00e9 devront \u00eatre respect\u00e9s pour b\u00e9n\u00e9ficier du RAP et acheter votre maison en toute s\u00e9r\u00e9nit\u00e9. En effet, le RAP n&rsquo;est malheureusement pas accessible \u00e0 n&rsquo;importe quel acheteur.<\/p><p>La principale condition est que vous, ainsi que l&rsquo;autre acheteur, dans le cas d&rsquo;un achat conjoint, soyez consid\u00e9r\u00e9s comme des premiers acheteurs.<\/p><p>Il existe des exceptions si :<\/p><ul><li>Vous avez d\u00e9j\u00e0 \u00e9t\u00e9 propri\u00e9taire, mais pas depuis au moins quatre ans ;<\/li><li>Vous vous \u00eates s\u00e9par\u00e9s, sous certaines conditions.<\/li><\/ul><p>Cependant, vous devez avoir rembours\u00e9 la totalit\u00e9 du montant, si vous avez utilis\u00e9 le RAP dans le pass\u00e9, avant de redevenir admissible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e60fcaf elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-heading\" data-id=\"e60fcaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Offre d\u2019achat ou convention \u00e9crite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c87f54e elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-text-editor\" data-id=\"c87f54e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Qu&rsquo;il s&rsquo;agisse d&rsquo;un achat ou d&rsquo;une construction, vous devez fournir une entente \u00e9crite ou une offre d&rsquo;achat accept\u00e9e avant le 1er octobre de l&rsquo;ann\u00e9e suivant votre retrait du RAP.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a5f5d1 elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-heading\" data-id=\"3a5f5d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">R\u00e9sidence principale<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e4bb6a elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-text-editor\" data-id=\"5e4bb6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Le bien pour lequel vous faites un RAP doit \u00eatre votre r\u00e9sidence principale. Vous devrez y r\u00e9sider dans l&rsquo;ann\u00e9e qui suit le retrait des fonds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-674872d elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-heading\" data-id=\"674872d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">R\u00e9sident du Canada<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94fbf2d elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-text-editor\" data-id=\"94fbf2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Pour retirer et b\u00e9n\u00e9ficier de vos REER dans le cadre du RAP, vous devez \u00eatre un r\u00e9sident du Canada jusqu&rsquo;\u00e0 ce que vous ayez termin\u00e9 l&rsquo;achat ou la construction d&rsquo;une habitation convenable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-58a3f71 elementor-section-boxed ang-section-padding-initial elementor-section-height-default elementor-section-height-default elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"58a3f71\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62082e6 elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"62082e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db138dc elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-heading\" data-id=\"db138dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La r\u00e8gle des 90 jours<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-996c964 elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-text-editor\" data-id=\"996c964\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Vous pouvez retirer des fonds de votre REER seulement si vous disposez d&rsquo;au moins 90 jours entre la date du d\u00e9p\u00f4t et celle du retrait.<\/p><p>Quelles sont les \u00e9tapes \u00e0 suivre pour retirer vos REER dans le cadre du RAP :<\/p><ul><li>D&rsquo;abord, d\u00e9terminez le montant dont vous avez besoin pour votre mise de fonds. De pr\u00e9f\u00e9rence, vous aimeriez atteindre 20 % de la valeur de la propri\u00e9t\u00e9 pour \u00e9viter d&rsquo;avoir \u00e0 payer une assurance hypoth\u00e9caire ;<\/li><li>Remplissez le formulaire de demande de retrait d&rsquo;un REER et envoyez-le \u00e0 votre banque.<\/li><\/ul><p>Si vous avez plusieurs comptes REER, vous pouvez retirer des fonds de chaque compte tant que vous respectez vos limites.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f495d5 elementor-section-boxed ang-section-padding-initial elementor-section-height-default elementor-section-height-default elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"1f495d5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-04893a6 elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"04893a6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed2347e elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-heading\" data-id=\"ed2347e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Remboursement des fonds retir\u00e9s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06acadd elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-text-editor\" data-id=\"06acadd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Une fois que vos REER ont \u00e9t\u00e9 retir\u00e9s dans le cadre du RAP, vous avez 15 ans pour rembourser le montant emprunt\u00e9 sans payer d&rsquo;int\u00e9r\u00eats.<\/p><p>L&rsquo;Agence du revenu du Canada d\u00e9terminera votre relev\u00e9 de compte et votre calendrier de remboursement. La p\u00e9riode de remboursement commencera 60 jours apr\u00e8s la fin de la deuxi\u00e8me ann\u00e9e suivant la date du retrait, c&rsquo;est-\u00e0-dire apr\u00e8s 2 ans et 2 mois.<\/p><p>Veuillez noter que votre d\u00e9claration de revenus f\u00e9d\u00e9rale devra faire la distinction entre vos anciens remboursements de REER et vos nouvelles cotisations chaque ann\u00e9e.<\/p><p>En conclusion, le RAP, c&rsquo;est comme si le gouvernement vous pr\u00eatait vos REER pendant 17 ans, sans payer d&rsquo;int\u00e9r\u00eats.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a3c352 elementor-section-boxed ang-section-padding-initial elementor-section-height-default elementor-section-height-default elementor-repeater-item-none elementor-repeater-item-none_hover elementor-invisible\" data-id=\"3a3c352\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;bounceIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6c3fe28 elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"6c3fe28\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dfb73b1 elementor-align-center elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-button\" data-id=\"dfb73b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.ubitax.ca\/en\/#revenu\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-alt-circle-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Votre d\u00e9claration de revenus produite par un expert en 4 \u00e9tapes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e184c72 elementor-section-boxed ang-section-padding-initial elementor-section-height-default elementor-section-height-default elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"e184c72\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20710be elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"20710be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dff3fa3 elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-heading\" data-id=\"dff3fa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le RAP sans REER<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cebe70 elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-text-editor\" data-id=\"7cebe70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Que faites-vous si vous \u00eates jeune, en d\u00e9but de vie active, sans mise de fonds et avec peu de REER disponibles ?<\/p><p>Eh bien, vous pouvez emprunter le montant \u00e0 votre banque et le d\u00e9poser ensuite dans vos REER.<\/p><p>Le d\u00e9fi ici sera de respecter votre plafond de cotisation et d&rsquo;obtenir effectivement un pr\u00eat de votre banque. Toutefois, il existe des institutions sp\u00e9cialis\u00e9es dans les pr\u00eats REER. Si le pr\u00eat est accord\u00e9, placez-le dans votre compte REER pendant au moins 90 jours.<\/p><p>Vous pourrez alors retirer vos REER, rembourser votre banque avec cet argent et utiliser le remboursement d&rsquo;imp\u00f4t pour effectuer une mise de fonds.<\/p><p>Rappel des chiffres importants :<\/p><ul><li>90 jours : p\u00e9riode minimale pendant laquelle vos REER doivent \u00eatre investis ;<\/li><li>1er octobre de l&rsquo;ann\u00e9e qui suit le retrait : votre maison doit \u00eatre achet\u00e9e ou construite ;<\/li><li>15 ans : p\u00e9riode maximale de remboursement de vos REER.<\/li><li>2e ann\u00e9e apr\u00e8s le retrait : d\u00e9but du remboursement.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5da3145 elementor-section-boxed ang-section-padding-initial elementor-section-height-default elementor-section-height-default elementor-repeater-item-none elementor-repeater-item-none_hover elementor-invisible\" data-id=\"5da3145\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;bounceIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2631f2d elementor-repeater-item-none elementor-repeater-item-none_hover\" data-id=\"2631f2d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b880a18 elementor-align-center elementor-repeater-item-none elementor-repeater-item-none_hover elementor-widget elementor-widget-button\" data-id=\"b880a18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.ubitax.ca\/en\/#revenu\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-alt-circle-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Votre d\u00e9claration de revenus produite par un expert en 4 \u00e9tapes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Votre d\u00e9claration de revenus produite par un expert en 4 \u00e9tapes Tout sur le R\u00e9gime d&rsquo;accession \u00e0 la propri\u00e9t\u00e9 (RAP) Vous voulez vous installer ? Trouver une maison, faire une offre d&rsquo;achat qui sera accept\u00e9e sont quelques-unes des \u00e9tapes. \u00c0 la fin, vous devrez \u00e9valuer vos finances avec votre banque. Pour vous donner une chance, &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.ubitax.ca\/en\/premiere-propriete-au-canada-et-taxes\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> \u00ab\u00a0Premi\u00e8re propri\u00e9t\u00e9 au Canada et taxes\u00a0\u00bb<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":3586,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classe","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Premi\u00e8re propri\u00e9t\u00e9 au Canada et taxes - ubitax<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ubitax.ca\/en\/premiere-propriete-au-canada-et-taxes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Premi\u00e8re propri\u00e9t\u00e9 au Canada et taxes - ubitax\" \/>\n<meta property=\"og:description\" content=\"Votre d\u00e9claration de revenus produite par un expert en 4 \u00e9tapes Tout sur le R\u00e9gime d&rsquo;accession \u00e0 la propri\u00e9t\u00e9 (RAP) Vous voulez vous installer ? 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