JFIFC    #%$""!&+7/&)4)!"0A149;>>>%.DIC;C  ;("(;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;2K" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?Ď,m*Hi|= Y6+،-HNsȬ[Z҈Gp֦sQWc[z*2$n8Z҆+:ַGoq5-V]pzH=A5c8ؖ*Ctr)J ӘSUfnGkl`Nr:V椿\Y9>T7r5Yp:z,^UzMs*&-[Kڛ-p[rFn.\xX7Z.ه)/3h3 ,ǒy[~+6mKq倁U;EtKx# QRnCHo-p,3Nۺ Gq:ͯ5 TDfPFQW5;*"EJOPa=/{W5c[.又4R_&ɔ~FKm?\dXt cƺ9KE<63]}\;])W݆Lh=[>U-UD-t뫸 {w,]$Gyڬ{޶D )5isp #<,ކ8ke*݅C@r?ع#.2$ SCOfL/T".3iOs6/sgY0ȱJku$BiKšEiUg@ ꧼ$\,8"[U$uVQ v?J2ksMt;R}.[EVeh3,zr7?Z)9NP ]}(v}a02(؞0yXqLQN:(+*czkz(8w2JxEiligations, like credit card debt and car loans, will possibly reduce the maximum mortgage you can afford. It is best to get pre-approved by a mortgage specialist.</P><I> <P><STRONG>3. Can RRSP monies be used for my down payment?</STRONG></P></I> <P>Provided that you are a first time home buyer, you can withdraw up to $20,000 from your RRSP and use it for down payment and other closing costs to buy a resale or new home without having to pay tax. You will have to repay that money within 15 years (a minimum of 1/15th per year). If your spouse qualifies, then he/she can also use RRSPs for the purchase.</P><I> <P><STRONG>4. You are receiving the down payment as a gift. Are there any restrictions when the monies are a gift?</STRONG></P></I> <P>The giver has to be an