Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
9 c, _: O/ g- S1 L. ?(RRSPs) to buy or build a qualifying home. However, the
2 B* c' K# P- U( xprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
7 p4 M( W% n$ nwithdrawals will not have to be included in his or her
# f" i# n! ]& K3 D" ^8 Sincome, 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
' |- l; k# S+ Byou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
/ m& {& w2 e8 j- c8 Y" k( v) k* qRRSPs within a 15-year period. Generally, you will have to
3 A5 E, t. ]% {6 D* Qrepay an amount to your RRSPs each year, starting the
0 E2 @# ]$ F3 @8 ]7 J8 Z5 osecond year after the funds are withdrawn, until you have
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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