Home Buyers’ Plan

享受生活

Is this guide for you?
Use this guide if you want information about the rules that
) ^% v# \. n$ Y6 J9 j/ c( [  i4 Yapply to the Home Buyers’ Plan (HBP).
  {) |9 c1 g  `6 sWhat is the HBP?
The HBP is a program that allows you to withdraw up
/ S5 c7 M. ~$ Lto $20,000 from your registered retirement savings plans
- W" h8 K! q" f; d$ v% a) H8 H# b(RRSPs) to buy or build a qualifying home. However, the
4 Z( G7 ^, B7 Q) r. Gprogram sets out certain conditions for participation. If an
# G5 d3 a6 }: v0 Y0 h; Eindividual meets all the applicable HBP conditions, the
; D0 I8 j9 r4 e0 ]3 G$ ~8 Owithdrawals will not have to be included in his or her
- F" K# q' k' _4 D/ _income, and the RRSP issuer will not withhold tax on these
7 d4 K/ [# s8 a# Q3 s( A- x5 camounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
you can withdraw up to $20,000.
+ U0 Z; K# s  g8 \1 O8 k( NUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
3 s7 u, z' W3 j$ O- |the amount due for a year, it will have to be included in
" C: y& b5 {" |0 ^your income for that year.

平常

再详细一点就好了。

享受生活

有更详细的，可惜文件有200－300KB

qsy

What' meaning?