Читать книгу Kickstart Your Corporation - Andrew Feindel - Страница 24

What if you are buying a home in six months to two years' time—does it still make sense to incorporate now? In a word, yes. Your home is a leveraged investment that grows tax-free, and, because of these characteristics that are unique to the principal residence, will likely be one of your best long-term investments … like a “super-TFSA,” if you like.

You normally need between 25% and 35% of the purchase price as a down payment—and the fastest way to save the down payment is usually to incorporate.

(As a side note, I also advise clients that it is okay to potentially overreach a little more than normal on their home purchase price, to avoid having to purchase an intermediary home, and then eventually sell that intermediate home in order to purchase a long-term or “forever” home within a few years. That's because the transaction costs in real estate, such as real estate commissions paid on the sale, can be significant. When all the transaction costs are factored in, they might represent up to 10% of the purchase price—a cost that can be avoided if we could somehow speed up the process to get into that long-term home.)

Let's take a look at an example.