Page 29 - CCFA Journal - 12th Issue

加中金融 Housing Market 房地产市场
one, which you can do, then you can both use the funds for this 许的，那么您两人都可以使用这些资金来购买同一座房

purchase of the same home. So that's great because it's almost 屋。这很棒，因为它几乎等于增加了储蓄额。我的意思
doubling it. What I meant is you can't own it jointly. So you can 是您不能共同拥有一个账户，但您可以分别拥有各自的
have your own. Your spouse can have their own. 账户。

Host Then, you can both draw from it 主持人 你们可以同时取出购房款

Georgia And you get both draw together. Yeah, exactly. 嘉宾 是的，完全正确

Host OK, so that's an important one, too. Here's something that 主持人 好的，这也是一个重要的问题。很多父母或祖父
comes up a lot. And I know that a lot of parents or 母担心下一代，因为现在要购房比过去更加困难。父母
grandparents are worried about the next generation, because 能为他们的孩子开设一个这样的储蓄账户吗？
it's tough. It's a lot tougher than it was in the past to get in. Can
a parent open up one of these savings accounts for their kid?

Georgia Well, you can't open one for your child or grandchild, 嘉宾 您不能为自己的子女或孙子孙女开设这样的账户，
but you can highly encourage them to do so and then gift them 但您可以极力鼓励他们自己开设，然后将资金作为礼物
the money to actually deposit into it. And that's perfectly fine. 赠予他们，让他们存入账户。这是完全可以的。这也是
So it is a little bit of financial literacy there to teach the kids 一种金融素养教育的方式，可以教育孩子们了解这一点
about how important this is. 的重要性。通过这种方式，您可以帮助他们在未来更好
地准备购房，以及理解储蓄和财务规划的重要性。这种
教育对于孩子们的金融未来非常有益。

Host Now you mentioned 15 years when we were talking off 主持人 您在一开始提到了 15 年的期限，我们在讨论这
the top about how this plan is structured and what it looks like. 个计划的结构和外观时提到过。如果您曾经打算购房，
What happens if, you know, you thought you were going to buy 认为这是您的目标，但后来某个时刻决定房屋所有权并
a place. You thought this is what you wanted to do. This is your 不适合您，那么您已经将资金存入账户中该怎么办呢？
goal, and you decide at some point, home ownership is not for
me. But you have put this money in here. What do you do?

Georgia Well, if you can't use it within those 15 years, you can 嘉宾 如果您在 15 年内无法使用这笔资金，您实际上可
actually roll it into your RSP. So it's still working there for you. 以将其转入您的注册养老金储蓄计划（RSP）中。这样，
That tax deferral still compounds for you. And that's one of the 资金仍然会为您运作，并且您仍然能够享受税收递延的
best parts of it. It's not lost. 好处。这是计划中最好的部分之一，因为这笔资金并不
会丢失，而是继续为您增值。这提供了更大的灵活性，

让您可以在未来更好地规划和管理您的财务。

Host All right, very interesting stuff, and great information. 主持人好的，非常有趣的信息，非常有用。Georgia，一
Georgia, always a pleasure. 如既往地愉快。

Georgia Thank you very much. 嘉宾 十分感谢

https://www.moneytalkgo.com/video/first-home-savings-account-is-it-right-for-you/

CCFA JOURNAL OF FINANCE November 2023 Page 29 第29页