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開始儲蓄，積累首期款

希望擁有房屋的夢想成真？我們可以幫助您 - 無論您需要儲蓄一年還是超過五年。以下是您為首付儲蓄可能需要的部分，以及投資如何能讓您更快實現夢想。

建議的投資選項

在為首付儲蓄時，首先要考慮的就是，您想在哪裡保留您的儲蓄。

投資賬戶

提供稅務優惠並允許您持有各種投資項目的賬戶，是有助您資金增長的好選擇。

註冊退休儲蓄計劃(RRSP)
您的資金在延稅基礎下增長。這樣您既可降低稅金，又可為購屋儲蓄。
Great for: First time home buyers looking to lower their taxes while saving for retirement or a home.
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免稅儲蓄賬戶 (TFSAs)
您的資金可免稅增長，還可隨時提領而無稅務問題，例如，當您需要一筆首付來購屋時。
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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投資類別

為購屋儲蓄時，根據您的儲蓄計劃選擇正確的投資方式非常重要。以下為兩個選項：適合短期儲蓄的擔保投資存款證（GIC），以及適合長期投資的交易所買賣基金（ETF）。

擔保投資存款證（GIC）
您可以選擇您想存多久的錢，從幾個月到幾年都可以。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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交易所買賣基金 (交易所買賣基金s)
交易所買賣基金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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您知道嗎？

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.

提示和建議

了解政府提供的福利。

房屋購買計劃 › The Homebuyers’ Plan lets you withdraw up to $35,000 ($70,000 per couple) from your 註冊退休儲蓄計劃（RRSP） to help you purchase your first home. 這是獲得資金以支付首付的好方法。了解該計劃如何運作；以及，該計劃對您及您的購屋是否為適當的選擇。