Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
5 E* G7 p" T/ @: N& F! Y5 s6 p( yapply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
3 H7 j2 t; ]8 K$ l9 |1 ?to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
; ^5 x; n  `; bprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
2 E* B5 y6 J( d) \8 e" W! N, Iwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
' I' j# A# T0 j! b/ k; q+ u9 Dcommon-law partner, or with other individuals, each of
you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
1 |" Z! {# p3 `4 M" hrepay an amount to your RRSPs each year, starting the
- _$ v* z4 N7 vsecond year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
your income for that year.

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再详细一点就好了。

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有更详细的，可惜文件有200－300KB

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