Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
8 }: W* |; K+ Napply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
( `) Y' m6 s/ Nindividual meets all the applicable HBP conditions, the
% w! a1 d' }/ P3 C3 {withdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
! _. u# D# n1 b" c3 @amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
% E# r; [: C# f$ F( tRRSPs within a 15-year period. Generally, you will have to
+ R# G" l1 _- Irepay an amount to your RRSPs each year, starting the
' s. m& t$ U. X" fsecond year after the funds are withdrawn, until you have
repaid 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.

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再详细一点就好了。

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有更详细的，可惜文件有200－300KB

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