Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
7 w$ U, Y+ A; |4 Gapply to the Home Buyers’ Plan (HBP).
7 T3 B2 Q0 J7 U" W) }What is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
. Z3 I6 M) ^& ]. u1 B' y  l(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
) o! f! k( N1 W/ |1 m$ }individual meets all the applicable HBP conditions, the
' R4 x6 ?( ~, ^4 Xwithdrawals will not have to be included in his or her
' x) _$ ]1 q. H- L6 e/ o4 [" rincome, and the RRSP issuer will not withhold tax on these
( F: R- ^& E" \* Damounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
+ ^& W  {6 c2 N! j2 U" f# G+ _repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
# a/ ]8 {$ U/ }" H3 I& c  _0 n9 E6 |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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