Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
. S+ {8 r% n# Vapply to the Home Buyers’ Plan (HBP).
, M( |. S5 j/ ]2 h) p6 RWhat is the HBP?
: J' g4 i, |9 M  z& V: V9 Y+ L" pThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
3 I* W/ a: @0 u, oprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
" Y$ i, |/ M2 ~+ R( c* Xwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
* D; V1 ?; y- {) ccommon-law partner, or with other individuals, each of
8 Y2 g5 p: M* f! I: V8 iyou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
3 ~1 j4 M% |6 K( TRRSPs within a 15-year period. Generally, you will have to
0 P+ V9 O3 Y: \# J- P/ Mrepay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
7 ^4 x9 V! _% d' c' brepaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
+ z+ L0 p$ g4 s! pyour 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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