Home Buyers’ Plan

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Is this guide for you?
- k6 F3 C9 H) G2 g! I5 \0 X- r2 y& I! SUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
9 `" L6 l9 ^* i* @2 q" XWhat is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
+ V7 f) c+ V- F' K1 K( \2 {  D' Aprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
' @& Y  u+ @$ D$ Twithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
3 v4 m0 f% y) T( ~amounts. If you buy a qualifying home with your spouse or
% z" B, K: L# v1 N! q4 \" F" {( k/ h* Jcommon-law partner, or with other individuals, each of
  `; E5 M8 v6 t  v: k5 @0 Myou 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
+ q2 }. I3 f* `/ z! \repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
& D4 N7 ^: ^+ s  r+ F7 trepaid the total amount you withdrew. If you do not repay
2 ~; y( i4 g0 d* _7 Rthe amount due for a year, it will have to be included in
- d  E. f% F- h0 A2 C0 S: h+ Uyour income for that year.

平常

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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