Home Buyers’ Plan

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Is this guide for you?
+ z/ M+ o" N, r6 k9 t  s% V' f# UUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
What is the HBP?
% B5 p. u6 X( c: X7 Q. f3 JThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
0 p2 J6 ^" F9 D4 Nindividual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
' L3 F: g3 x7 ^income, and the RRSP issuer will not withhold tax on these
# z8 e0 Y3 n" N/ G( w- k. l# E8 K, `amounts. 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.
' d2 N9 s4 e& d1 A2 b7 ^Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
: V+ K  D6 {! \repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
* T/ e# O( H0 x* a& {repaid the total amount you withdrew. If you do not repay
, T5 l8 N2 Y3 H- q5 d2 tthe amount due for a year, it will have to be included in
2 T6 p! ^; Z: ?0 j2 j+ L0 Myour income for that year.

平常

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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