Home Buyers’ Plan

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Is this guide for you?
- V5 T: J9 Z2 m" @6 \Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
8 T% T& Z; @6 M! vWhat is the HBP?
7 S7 y% h2 I& N& V: xThe HBP is a program that allows you to withdraw up
. M& p3 i6 P0 {& }to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
% ]+ r# g, R' N. [7 j4 U9 Eprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
' P+ [/ o& ?/ d9 V; u: N- f& namounts. If you buy a qualifying home with your spouse or
8 q; w' E: R7 V+ w7 h" zcommon-law partner, or with other individuals, each of
you can withdraw up to $20,000.
$ ]1 _& V  G1 a* z* l* ]Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
- o( b7 Q1 Z8 \& T3 J4 Trepay an amount to your RRSPs each year, starting the
3 v% `* [0 L8 q9 n' `5 osecond year after the funds are withdrawn, until you have
* N5 A/ p. h9 k8 k3 {& rrepaid the total amount you withdrew. If you do not repay
! |( w: r2 K- Z- a8 Ythe amount due for a year, it will have to be included in
8 m% ?2 J3 B$ Z/ p" ryour 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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