Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
1 d5 @% J  _3 N" z: k& happly to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
) L& s. H" s! D" m2 Y" a* j) r(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
& P! q" s6 d% z# L$ Sindividual meets all the applicable HBP conditions, the
  q5 `. Y8 N6 M% d" U/ Z" l" \withdrawals will not have to be included in his or her
+ R! Z# K1 d  z  L/ }; B1 p, nincome, and the RRSP issuer will not withhold tax on these
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 $20,000.
Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
2 j% i0 A- R# B$ vrepaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
' k: i" C& X" Qyour 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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