{"id":58958,"date":"2022-04-25T01:46:06","date_gmt":"2022-04-25T08:46:06","guid":{"rendered":"https:\/\/canadaexpress.com\/news\/?p=58958"},"modified":"2022-04-28T08:58:05","modified_gmt":"2022-04-28T15:58:05","slug":"%ec%b2%ab-%ec%a3%bc%ed%83%9d-%ea%b5%ac%eb%a7%a4%ec%9e%90%eb%a5%bc%ec%9c%84%ed%95%9c-%eb%b9%84%ea%b3%bc%ec%84%b8-%ec%98%88%ea%b8%88%ea%b5%ac%ec%a2%8c","status":"publish","type":"post","link":"https:\/\/canadaexpress.com\/news\/?p=58958","title":{"rendered":"\uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\ub97c \uc704\ud55c \ube44\uacfc\uc138 \uc608\uae08\uad6c\uc88c"},"content":{"rendered":"

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header_6_line_height__hover_enabled=”1em” header_6_text_shadow_style__hover=”none” header_6_text_shadow_style__hover_enabled=”none” header_6_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_6_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” text_letter_spacing__hover=”0px” text_letter_spacing__hover_enabled=”0px” text_text_shadow_style__hover=”none” text_text_shadow_style__hover_enabled=”none” text_text_shadow_color__hover=”rgba(0,0,0,0.4)” text_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

\n

Tax-Free First Home Savings Account (FHSA)<\/strong><\/h3>\n<\/blockquote>\n

2022\ub144 \uc608\uc0b0\uc548 \uc911 \uccab \uc790\uac00 \uc8fc\ud0dd \uad6c\ub9e4\uc790\ub97c \ub3d5\uae30 \uc704\ud55c \uc0c8\ub85c\uc6b4 \ube44\uacfc\uc138 \uc608\uae08\uad6c\uc88c\ub97c \ub9cc\ub4dc\ub294 \ubc29\uc548\uc774 \ucd94\uc9c4\ub418\uc5c8\ub2e4. First Home Savings Account(FHSA)\uc5d0 \uc785\uae08\ud558\ub294 \uae08\uc561\uc740 \uc18c\ub4dd\uacf5\uc81c\uac00 \ub418\uba70, FHSA\ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc218\uc775\uc5d0 \ub300\ud574\uc120 \uba74\uc138\ud61c\ud0dd\uc774 \uc788\ub2e4. \uccab \uc790\uac00 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uc704\ud558\uc5ec \uc778\ucd9c\ud558\ub294 \uae08\uc561 \ub610\ud55c \uacfc\uc138\ub300\uc0c1\uc774 \uc544\ub2c8\ub2e4. \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 \uc815\ubd80\uc5d0\uc11c \ud5a5\ud6c4 \ubc1c\ud45c\ud560 \uc608\uc815\uc774\uba70, FHSA\uc5d0 \ub300\ud55c \ud575\uc2ec\ub0b4\uc6a9\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n

 <\/p>\n

\uc2e0\uccad\uc790\uaca9<\/strong><\/p>\n

FHSA\uacc4\uc88c\ub97c \uc5f4\uae30 \uc704\ud574\uc11c\ub294 \uc544\ub798\uc640 \uac19\uc740 \uc790\uaca9\uc694\uac74\uc744 \uac16\ucd94\uc5b4\uc57c \ud55c\ub2e4.
1) \ucd5c\uc18c 18\uc138 \uc774\uc0c1 \uce90\ub098\ub2e4 \ub0b4 \uac70\uc8fc\ubbfc\uc774\uc5b4\uc57c \ud55c\ub2e4.
2) FHSA\uacc4\uc88c\ub97c \uc5ec\ub294 \ud574\uc5d0 \ubcf8\uc778 \uba85\uc758\ub85c \ub41c \uc9d1\uc744 \uc18c\uc720\ud55c \uc801\uc774 \uc5c6\uc5b4\uc57c \ud55c\ub2e4.
3) \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \ud574\ub85c\ubd80\ud130 \uc9c0\ub09c 4\ub144\uac04 \uc9d1\uc744 \uc18c\uc720\ud55c \uc801\uc774 \uc5c6\uc5b4\uc57c \ub41c\ub2e4.
4) \ud55c \ucc44\uc758 \uc790\ud0dd\uc5d0\ub9cc \ud55c\ud558\uc5ec \uc138\uae08\uc744 \ub0b4\uc9c0 \uc54a\uace0 FHSA\ub85c\ubd80\ud130 \uc778\ucd9c \ud560 \uc218 \uc788\ub2e4.<\/p>\n

 <\/p>\n

CONTRIBUTION(\uc608\uae08)<\/strong><\/p>\n

\ud55c \uac1c\uc778\uc774 \ud3c9\uc0dd\ub3d9\uc548 \uc608\uae08\ud560 \uc218 \uc788\ub294 \ud55c\ub3c4\ub294 $40,000 \uc774\uba70, \ub144\uac04 $8,000\uc758 \uc608\uae08\ud55c\ub3c4\uac00 \uc788\ub2e4. 2023\ub144\ubd80\ud130 \uc608\uae08\uc774 \uac00\ub2a5\ud558\ub2e4. \uc608\uae08\ud55c\ub3c4\ub294 \ud6c4\ub144\uc73c\ub85c \uc774\uc6d4\uc774 \ubd88\uac00\ub2a5\ud558\ub2e4. \uc989, \uc62c\ud574 $8,000\uc758 \ud55c\ub3c4\ub97c \ucc44\uc6b0\uc9c0 \ubabb\ud55c\ub2e4 \ud558\ub354\ub77c\ub3c4 \ub0b4\ub144\uc5d0\ub3c4 \uc774\uc6d4\uae08\uc561 \uc5c6\uc774 \ud55c\ub3c4\ub294 \uc5ec\uc804\ud788$8,000\uc774\ub2e4. \ud55c \uac1c\uc778\uc774 \uc5ec\ub7ec\uac1c\uc758 FHSA\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uc9c0\ub9cc, \ud3c9\uc0dd\uc758 \uc608\uae08\ud55c\ub3c4\uc640 \uc5f0\uac04 \uc608\uae08\ud55c\ub3c4\ub294 \ub611\uac19\ub2e4.<\/p>\n

 <\/p>\n

WITHDRAWALS AND TRASNFERS (\uc778\ucd9c \ubc0f \uc1a1\uae08)<\/strong><\/p>\n

\uccab \uc8fc\ud0dd\uad6c\ub9e4\uc790\uac00 FHSA\uc5d0\uc11c \uc778\ucd9c\ud558\ub294 \uae08\uc561\uc740 \uacfc\uc138\ub300\uc0c1\uc774 \uc544\ub2c8\uc9c0\ub9cc, \ub2e4\ub978 \uc6a9\ub3c4\ub85c \uc778\ucd9c\ud560 \uacbd\uc6b0\uc5d0\ub294 \uacfc\uc138\ub300\uc0c1\uc774\ub2e4. FHSA\uc5d0\uc11c 71\uc138 \uc774\uc804\uc5d0\ub294 RRSP (Registered Retirement Savings Plan)\uc73c\ub85c, \uadf8 \uc774\ud6c4\uc5d0\ub294 RRIF(Registered Retirement Income Fund) \ub85c \uc804\ud658\uc774 \uac00\ub2a5\ud558\ub2e4. \uc774\ub807\uac8c \ud55c \uc804\ud658\ud55c \uacbd\uc6b0, \uacfc\uc138\ub300\uc0c1\uc774 \uc544\ub2c8\uc9c0\ub9cc, \uc804\ud658\ub41c \ud6c4 RRSP\ub098 RRIF\uc5d0\uc11c \uc778\ucd9c\uc744 \ud560 \uacbd\uc6b0\uc5d0\ub294 \uacfc\uc138\ub300\uc0c1\uc774\ub2e4.<\/p>\n

FHSA\uc5d0\uc11c RRSP\ub098 RRIF\ub85c \uc1a1\uae08\uc2dc\uc5d0 \uac1c\uc778\uc758 RRSP\uc608\uae08\ud55c\ub3c4\uc5d0 \uc601\ud5a5\uc744 \ubc1b\uc9c0 \uc54a\uc9c0\ub9cc, FHSA\uc5d0\uc11c \uc1a1\uae08\ud558\uac70\ub098 \uc778\ucd9c \ud560 \uacbd\uc6b0\uc5d0 FHSA\uc758 \uc608\uae08\ud55c\ub3c4\uac00 \ub2e4\uc2dc \uc0dd\uae30\uc9c4 \uc54a\ub294\ub2e4. \ubc18\ub300\ub85c RRSP\ub098 RRIF\uc5d0\uc11c FHSA\ub85c \uc1a1\uae08\uc744 \ud560 \uc218 \uc788\uc9c0\ub9cc, FHSA\uc758 \ud3c9\uc0dd \uc608\uae08\ud55c\ub3c4 $40,000\uacfc \uc5f0\uac04 \uc608\uae08\ud55c\ub3c4 $8,000\uc5d0 \ud55c\ud574\uc11c \uac00\ub2a5\ud558\uba70 \uc1a1\uae08\uc744 \ud588\ub2e4\uace0 RRSP\ud55c\ub3c4\uac00 \ub2e4\uc2dc \uc0dd\uc131\ub418\uc9c0\ub294 \uc54a\ub294\ub2e4.<\/p>\n

\uac1c\uc778\uc774 FHSA\uacc4\uc88c\uad6c\uc124 \ud6c4 15\ub144\uac04 \uc608\uce58\ub41c \uae08\uc561\uc774 \uc4f0\uc774\uc9c0 \uc54a\uc744 \uacbd\uc6b0, FHSA\uacc4\uc88c\ub294 \ub2eb\uc544\uc57c\ud55c\ub2e4. \uc774\ub54c \uc4f0\uc774\uc9c0 \uc54a\uc740 \uc608\uce58\uae08\uc561\uc740 RRSP\ub098 RRIF\ub85c \uc1a1\uae08\ud558\uac70\ub098, \uacfc\uc138\ub300\uc0c1\uc73c\ub85c \uc778\ucd9c\ud574\uc57c\ud55c\ub2e4.<\/p>\n

 <\/p>\n

Home Buyers\u2019 Plan (HBP)<\/strong><\/p>\n

HBP\ub294 \uac1c\uc778\uc774 \uccab \uc8fc\ud0dd\uad6c\ub9e4\uc790\uc77c \uacbd\uc6b0 RRSP\uc5d0\uc11c $35,000\ub9cc\ud07c \uba74\uc138\ub300\uc0c1\uc73c\ub85c \uc778\ucd9c\uac00\ub2a5\ud558\ub2e4. HBP\ub85c RRSP\uc5d0\uc11c \uc778\ucd9c\ud55c \uae08\uc561\uc740 \uc778\ucd9c\ud55c \ud574\uc758 \ub2e4\uc74c\ud574\ubd80\ud130 \uc2dc\uc791\ud574\uc11c 15\ub144 \ub0b4\ub85c RRSP\ub85c \uac1a\uc544\uc57c\ud55c\ub2e4.<\/p>\n

HBP\ub294 \ud604\uc7ac \uc2dc\ud589\ub300\ub85c \uc720\uc9c0\ub418\uc9c0\ub9cc, \ud55c \uc8fc\ud0dd\uad6c\ub9e4\ub97c \uc704\ud574\uc11c FHSA\uc640 HBP \ub3d9\uc2dc\uc5d0 \uc778\ucd9c \ud558\ub294 \uac83\uc740 \ubd88\uac00\ub2a5\ud558\ub2e4.<\/p>\n

 <\/p>\n

\uc2dc\ud589\uc77c<\/strong><\/p>\n

\ud604 \uc815\ubd80\uac00 \uc5ec\ub7ec \uae08\uc735\uae30\uad00\ub4e4\uacfc \uc2dc\ud589\uc77c\uc790\ub97c \uc870\uc728\ud558\uace0 \uc788\ub2e4. FHSA\ub294 2023\ub144 \uc911\uc73c\ub85c \uc2dc\ud589\ub420 \uc608\uc815\uc774\ub2e4.<\/p>\n

 <\/p>\n

\uc704 \ub0b4\uc6a9\uc740 \uc77c\ubc18\uc801\uc778 \uc0ac\uc2e4\uc774\uba70, \ud2b9\uc815 \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ub300\uc6a9\ud574\uc11c \uc0ac\uc6a9\ub420 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. (This material is general in nature and should not be relied upon to replace the requirement for specific professional advice.)<\/p>\n

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Tax-Free First Home Savings Account (FHSA) 2022\ub144 \uc608\uc0b0\uc548 \uc911 \uccab \uc790\uac00 \uc8fc\ud0dd \uad6c\ub9e4\uc790\ub97c \ub3d5\uae30 \uc704\ud55c \uc0c8\ub85c\uc6b4 \ube44\uacfc\uc138 \uc608\uae08\uad6c\uc88c\ub97c \ub9cc\ub4dc\ub294 \ubc29\uc548\uc774 \ucd94\uc9c4\ub418\uc5c8\ub2e4. First Home Savings Account(FHSA)\uc5d0 \uc785\uae08\ud558\ub294 \uae08\uc561\uc740 \uc18c\ub4dd\uacf5\uc81c\uac00 \ub418\uba70, FHSA\ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc218\uc775\uc5d0 \ub300\ud574\uc120 \uba74\uc138\ud61c\ud0dd\uc774 \uc788\ub2e4. \uccab \uc790\uac00 \uc8fc\ud0dd \uad6c\ub9e4\ub97c \uc704\ud558\uc5ec \uc778\ucd9c\ud558\ub294 \uae08\uc561 \ub610\ud55c \uacfc\uc138\ub300\uc0c1\uc774 \uc544\ub2c8\ub2e4. \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 \uc815\ubd80\uc5d0\uc11c \ud5a5\ud6c4 \ubc1c\ud45c\ud560 \uc608\uc815\uc774\uba70, FHSA\uc5d0 \ub300\ud55c \ud575\uc2ec\ub0b4\uc6a9\uc740 \ub2e4\uc74c\uacfc […]<\/p>\n","protected":false},"author":1,"featured_media":57841,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[62],"tags":[87,61,79,71,89,72,83,86,81,80,82,84,77,85,74,78,73,57,93],"class_list":["post-58958","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lee-jung","tag-87","tag-61","tag-79","tag-71","tag-89","tag-72","tag-83","tag-86","tag-81","tag-80","tag-82","tag-84","tag-77","tag-85","tag-74","tag-78","tag-73","tag-57","tag-93"],"_links":{"self":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/58958","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=58958"}],"version-history":[{"count":4,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/58958\/revisions"}],"predecessor-version":[{"id":58964,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/58958\/revisions\/58964"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/media\/57841"}],"wp:attachment":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=58958"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=58958"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=58958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}