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Is this guide for you?
: \% F/ d7 m% o0 |Use this guide if you want information about the rules that% X/ s7 r. D- h
apply to the Home Buyers’ Plan (HBP).: d0 ^ b6 f+ z; b7 Z
What is the HBP?" t# ^/ {7 q- _6 \0 W* U( L# K% r
The HBP is a program that allows you to withdraw up: @* A5 Y: @, |* i
to $20,000 from your registered retirement savings plans
7 {; h: N8 j" e) W(RRSPs) to buy or build a qualifying home. However, the( U Q# H1 I; \" c7 R
program sets out certain conditions for participation. If an
) |6 n# Z/ M r" |individual meets all the applicable HBP conditions, the" [" k3 z8 S8 T( C( c' a
withdrawals will not have to be included in his or her
/ L2 R3 \- t& U9 C; T% U" k2 jincome, and the RRSP issuer will not withhold tax on these
/ L3 d. N2 }* H; l! l* x. H" J8 xamounts. If you buy a qualifying home with your spouse or. p) Z! r) V2 K( g# }
common-law partner, or with other individuals, each of' d4 Q, j# x5 h* H. P) P; i
you can withdraw up to $20,000.9 ~" }3 h0 L2 a% P3 f* M6 p
Under the HBP, you have to repay all withdrawals to your
+ w' i: j' b2 U1 A5 iRRSPs within a 15-year period. Generally, you will have to
* P; D" Y$ x4 V2 l- F; G" \repay an amount to your RRSPs each year, starting the" f/ U# j! }) p+ s$ F1 u
second year after the funds are withdrawn, until you have. e) H: h t+ e
repaid the total amount you withdrew. If you do not repay
9 r7 x/ Z$ J. Z6 V0 ^. dthe amount due for a year, it will have to be included in+ \ a. J3 i U6 ^; E
your income for that year. |
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发表于 2004-9-8 07:23
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