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为首付款储蓄

希望实现拥有住房的梦想? 我们可以帮助您实现这一目标——无论您的储蓄年限是一年还是五年以上。以下介绍了您可能需要为首付而存钱的目标，以及投资如何能让您更快地实现目标。

推荐投资选择

当您为首付存钱的时候，首先要考虑的事情之一就是，您要把钱存到哪里。

投资账户

提供税收优惠和允许您持有各种投资的账户，是帮助您资金增值的一个绝佳选择。

注册退休储蓄计划（RRSP）
您的资金以递延税方式增值。这样您就可以在存钱买房的同时降低税款。
Great for: First time home buyers looking to lower their taxes while saving for retirement or a home.
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免税储蓄账户 (TFSAs)
您的资金在免税情况下增值，且可以随时提取，而没有任何后果，比如当您需要为买房首付时。
Great for: Anyone looking for a flexible way to save while for right now and down the road.
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First Home Savings Account (FHSA)
Your money can grow tax-free in FHSA towards the purchase of your first home. Plus, you get new contribution room each year, and your contributions are tax-deductible, making it the ideal way to save.
Great for: First-time home buyers looking for a tax-free savings account that can hold various investment types.
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投资类型

在为买房储蓄时，根据您的储蓄时间表选择正确的投资很重要。以下是两个选择：适用于短期投资的GIC和适用于长期投资的ETF。

定期存款 (GIC)
您可以选择把钱存多久，从几个月到几年不等。GICs are safe and secure – your principal is protected, and depending on the product you choose, you can earn interest during or at the end of your term.
Typical investing horizon: Short- to medium-term
Great for: Anyone who wants to save for a specific amount of time.
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交易所买卖基金 (ETF（交易所买卖基金）s)
ETF（交易所买卖基金）s are a bucket of securities made up of equities, fixed income and other assets – great for a diversified portfolio.
Typical investing horizon: Medium- to long-term
Great for: Anyone who wants a low-fee investing option.
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您知道吗？

Whichever account you choose for saving for a down payment can be accessed and managed online or through the BMO Mobile Banking app, any time.

建议和提示

了解您的政府特别补贴。

购房者计划 › The Homebuyers’ Plan lets you withdraw up to $35,000 ($70,000 per couple) from your RRSP to help you purchase your first home. 这是一个获取资金的绝佳方式来积攒您的首付款。了解该计划如何发挥作用，以及它是否是您用于购房的正确选择。