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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
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Is this guide for you?
7 x1 ]  B* e7 u* |8 cUse this guide if you want information about the rules that; w9 I* D! m/ E9 q
apply to the Home Buyers’ Plan (HBP).
, k' R) N) I+ [% KWhat is the HBP?
5 H. ^$ ?# o0 |5 vThe HBP is a program that allows you to withdraw up3 U6 U$ e* e( K/ `8 v3 n
to $20,000 from your registered retirement savings plans
$ m2 f* ^( @2 J(RRSPs) to buy or build a qualifying home. However, the
. d) G7 c5 W9 j) ?* Yprogram sets out certain conditions for participation. If an
3 _1 W4 x2 R1 K, ~# D$ Hindividual meets all the applicable HBP conditions, the& m9 E& a6 [% Z. g; T
withdrawals will not have to be included in his or her2 M' E% J+ T5 Y; D& ~% @, v
income, and the RRSP issuer will not withhold tax on these/ S' K# k7 m6 n% I) _& T
amounts. If you buy a qualifying home with your spouse or
8 |3 j/ d* Y. x1 u2 ~4 ~: gcommon-law partner, or with other individuals, each of
1 E& ~8 s2 f' Y$ uyou can withdraw up to $20,000.& o5 `; D+ ~' z
Under the HBP, you have to repay all withdrawals to your( @0 |" R4 I. t* I0 r
RRSPs within a 15-year period. Generally, you will have to
2 z* H1 p# y7 b) W5 Prepay an amount to your RRSPs each year, starting the
5 M; B+ M* f' @( }* asecond year after the funds are withdrawn, until you have
# B/ p0 `( u' F( S) _2 k2 \/ frepaid the total amount you withdrew. If you do not repay1 p1 L4 ^1 U! l& Y
the amount due for a year, it will have to be included in
' I6 ^% h( m: w9 h% ?your 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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