Which of the following statements is incorrect about home buying? Question 25 options: a. It is recommended that after paying for housing, one still disposes of about 70% of their net income b. First-time Canadian home buyers can use the Home Buyers Plan to fund up to $35,000 per person ($70,000 for a couple) of their down payment c. Using the services of a real estate agent or a realtor can be costly for the home buyer d. Variable-rate mortgages may include a "rate cap", which limits how high or low the rate can go