Home Buyers’ Plan

享受生活

Is this guide for you?
Use this guide if you want information about the rules that
5 l/ \) s4 J- }7 q1 y( Mapply to the Home Buyers’ Plan (HBP).
What is the HBP?
4 D0 ^+ C9 U, F; GThe HBP is a program that allows you to withdraw up
+ i6 H* F6 j  h/ hto $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
2 H" d, U2 T% w; X, Pprogram sets out certain conditions for participation. If an
  P% L7 W- p; l6 |2 {5 r/ lindividual meets all the applicable HBP conditions, the
) |6 w3 A0 H  X$ y8 N1 v8 \* jwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
0 z$ Y: n: m" Y! ~amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
! b6 e3 }6 K, A0 @you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
8 D0 ]4 h. H- Q' C1 grepay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
7 V. h) O+ ?. K! a! Lrepaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
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?