Home Buyers’ Plan

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Is this guide for you?
( }3 n3 }, p: a1 ?Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
; y0 t( P7 S/ }What is the HBP?
% g3 T; m9 M% e5 z! FThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
! ~- P/ k6 j) X; T+ T6 y(RRSPs) to buy or build a qualifying home. However, the
. N* ^! K' Z2 \( xprogram sets out certain conditions for participation. If an
4 F  f" d! [1 R7 Kindividual meets all the applicable HBP conditions, the
) w& e+ C( t9 }) _. ywithdrawals will not have to be included in his or her
5 J5 I4 P6 s% t- X% S. kincome, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
; S: h5 Q9 U* v" gcommon-law partner, or with other individuals, each of
you can withdraw up to $20,000.
* e8 g. Q+ Z) P- o: n. ^0 sUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
! o/ L: i9 j$ H* l; x4 }3 jsecond year after the funds are withdrawn, until you have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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