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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
老杨团队,追求完美;客户至上,服务到位!
Is this guide for you?) ?* Z9 I0 s3 _) J
Use this guide if you want information about the rules that1 x7 v1 _9 M5 _! p
apply to the Home Buyers’ Plan (HBP).7 d( z; P& }9 C8 A, J% v
What is the HBP?
  z- V9 `/ \  E/ ZThe HBP is a program that allows you to withdraw up
; D' Z7 _% B3 W6 i: Q- K) sto $20,000 from your registered retirement savings plans8 c& T4 n" x: e& ^
(RRSPs) to buy or build a qualifying home. However, the
* `2 I- T1 C8 rprogram sets out certain conditions for participation. If an4 x( M) V' e' M1 ^. w- K
individual meets all the applicable HBP conditions, the! E2 O* M) M, i2 g' q
withdrawals will not have to be included in his or her  V+ ?. v7 P  _
income, and the RRSP issuer will not withhold tax on these
8 E. g3 S/ f- H: N9 x1 g! ^amounts. If you buy a qualifying home with your spouse or
/ x# S( H3 D  V8 p+ {$ Zcommon-law partner, or with other individuals, each of  C- a/ E/ N% |& z
you can withdraw up to $20,000.( J3 ~& u7 A! ]& s6 V  w$ ?
Under the HBP, you have to repay all withdrawals to your
* k4 e) @, n' w1 u  E; LRRSPs within a 15-year period. Generally, you will have to
$ Z* Y5 `9 }0 j5 |" _  i3 `repay an amount to your RRSPs each year, starting the
1 D' i% t; Y5 t5 a0 b; N) y0 ]second year after the funds are withdrawn, until you have  c: _$ q, @' W' t+ r/ U! Z1 x/ l
repaid the total amount you withdrew. If you do not repay! B* R; y1 s! L; t/ c* S
the amount due for a year, it will have to be included in
( v- J4 u# j% _6 vyour 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
What' meaning?
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