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Mini-Case E: (5 marks) It is February 18, 2022, Asra and Yadi are looking to buy their first home but prices during this pandemic seem

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Mini-Case E: (5 marks) It is February 18, 2022, Asra and Yadi are looking to buy their first home but prices during this pandemic seem especially high. To come up with the down payment, they will need to dip into their Registered Retirement Savings Plan's (RRSP's) to take advantage of the Home Buyer's Plan (HBP). To date, Asra has made a total of $27,000 in contributions to her RRSP while Yadi has made $24,000 in total to his. Their RRSP's have grown over the years and the market value for Asra's RRSP is $38,763 while Yadi's Page 8 of 13 109 RRSP is valued at $31,222. They are now looking to withdraw from their RRSPs under the HBP, for the which they will use as a total down payment on their dream home. They have turned to you for some help to their questions. a) Based on the information they have provided you, what is the total amount that Asra and Yadi can withdraw from their RRSPs under the HBP for their down payment on thelr first home? See Table E (.5 mark) Total: $70,000 I b) Asra and Yadi must start re-paying into their RRSP beginning in the second year of withdrawal. Calculate the minimum annual repayment amount that Asra and Yadi must re-pay to their respective RRSPs? (1 mark) Asra's calculation for the minimum annual RRSP repayment amount for the withdrawal under the HBP (.5 mark) Yad's calculation for the minimum annual RRSP repayment amount for the withdrawal under the HBP (.5 mark) c) Calculate if the down payment on the home through the Home Buyer's Plan would qualify for a conventional mortgage (they are looking to purchase a property on the market for $331,000). (.5-.25 marks each) Conventional mortgage calculation (.25 marks) Will they qualify for a conventional mortgage? Underline and highlight response Yes or No (.25 marks)

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