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Home Buyers’ Plan

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发表于 2004-9-8 07:23 | 显示全部楼层 |阅读模式
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Is this guide for you?
( K* E6 N" Z* p+ sUse this guide if you want information about the rules that
  b) t( Q6 H  O* J: Rapply to the Home Buyers’ Plan (HBP).
: E$ \& E! F+ AWhat is the HBP?
  ?4 [0 {. U$ F, Y3 z# JThe HBP is a program that allows you to withdraw up; w- S0 b6 J4 n7 d$ ?# S$ z
to $20,000 from your registered retirement savings plans( r7 ?: h6 G; a9 W% s, N* ~" ^- r
(RRSPs) to buy or build a qualifying home. However, the
+ z9 w* A& m& y. k1 a5 Jprogram sets out certain conditions for participation. If an) [& b8 r2 E9 `  L! N$ t" H- R" i
individual meets all the applicable HBP conditions, the
- _4 S, R0 ~& a3 y" m6 jwithdrawals will not have to be included in his or her$ n) u: L5 f% [: z) B
income, and the RRSP issuer will not withhold tax on these
1 Y: y* e+ T2 ?9 F% U! x$ Kamounts. If you buy a qualifying home with your spouse or, H" N7 I0 i; {5 A2 J7 ^! N
common-law partner, or with other individuals, each of
0 O& t# R: x/ hyou can withdraw up to $20,000.
$ P$ @+ [8 p) H+ HUnder the HBP, you have to repay all withdrawals to your
$ k4 N8 j2 J2 y# Z* ~& }RRSPs within a 15-year period. Generally, you will have to6 P; A9 |+ o4 s5 s, r
repay an amount to your RRSPs each year, starting the/ t% Q( F8 b( y8 ^1 T6 `
second year after the funds are withdrawn, until you have
. ?3 H( R8 h, @. c4 zrepaid the total amount you withdrew. If you do not repay
0 Q6 w. |7 E: W" @% Zthe amount due for a year, it will have to be included in
+ Y! ^- f5 C& ]5 Syour income for that year.
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发表于 2004-9-8 08:02 | 显示全部楼层
再详细一点就好了。
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 楼主| 发表于 2004-9-8 08:07 | 显示全部楼层
有更详细的,可惜文件有200-300KB
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发表于 2004-9-8 11:00 | 显示全部楼层
老杨团队 追求完美
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