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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?# y% P$ A: a! G5 u
Use this guide if you want information about the rules that
# Z' j; Z/ I  O* K; Z6 Aapply to the Home Buyers’ Plan (HBP).9 I" k# n( r* P$ w
What is the HBP?3 p9 g( o1 ~+ k# j6 G$ ^
The HBP is a program that allows you to withdraw up
2 w$ C, Q/ u! \to $20,000 from your registered retirement savings plans
  ]6 U& F. K) i" s/ W2 E; |(RRSPs) to buy or build a qualifying home. However, the7 f* _1 m: L" o  _
program sets out certain conditions for participation. If an( n+ X6 P2 A- o  I- A& `6 g
individual meets all the applicable HBP conditions, the6 U6 u; E" O$ n! k0 i* [. i
withdrawals will not have to be included in his or her
) T  ~: c* @/ M) Y+ E5 h* qincome, and the RRSP issuer will not withhold tax on these  e0 I* l2 D5 E
amounts. If you buy a qualifying home with your spouse or
- n- |  j/ Q: y' o1 p: [common-law partner, or with other individuals, each of! Q9 C! n! ^) i! X* M2 k, p
you can withdraw up to $20,000.
; f4 |* j& p: h2 b  TUnder the HBP, you have to repay all withdrawals to your
& o  J4 c; z7 ~# K0 @/ v, F3 zRRSPs within a 15-year period. Generally, you will have to
2 ^* M+ ]8 V1 s4 I8 h6 x2 wrepay an amount to your RRSPs each year, starting the
* A; _! k7 Q( B% Z( csecond year after the funds are withdrawn, until you have
+ A3 E9 E! p' {! }2 ]3 j  Z+ @9 Krepaid the total amount you withdrew. If you do not repay' _; [+ k5 U$ l3 J
the amount due for a year, it will have to be included in
8 H% @: [/ k: d  t3 _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
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