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Is this guide for you?) W! ~% B5 o( H# }
Use this guide if you want information about the rules that6 C( k: [7 y0 \1 J" {- F( n' i' d
apply to the Home Buyers’ Plan (HBP).# K) \$ f/ s7 @2 p/ u
What is the HBP?* a8 J' v u! W
The HBP is a program that allows you to withdraw up% g8 b1 u& A" ~9 l+ a
to $20,000 from your registered retirement savings plans: @ B2 Y3 Z6 G9 V$ j6 |
(RRSPs) to buy or build a qualifying home. However, the8 X' D! m" [' ]3 S& a7 ?0 C9 Q4 j/ D
program sets out certain conditions for participation. If an
! B* V, g' ?' {; _! G: J; @1 V1 Lindividual meets all the applicable HBP conditions, the
! a a' ?2 c" S4 Twithdrawals will not have to be included in his or her
+ j# {# j) j9 |' G; Uincome, and the RRSP issuer will not withhold tax on these
2 ?* K0 u) U. |$ P i4 t y% samounts. If you buy a qualifying home with your spouse or0 j- m: \) s5 ?
common-law partner, or with other individuals, each of
& N1 h, R9 M q0 f% P* M, ]. J/ Ayou can withdraw up to $20,000.
. x6 ^$ v' Z9 \( H4 y! AUnder the HBP, you have to repay all withdrawals to your# l) s( m2 d j% \' M
RRSPs within a 15-year period. Generally, you will have to
0 \: `! |0 D# q# q7 m! K) d6 R/ Drepay an amount to your RRSPs each year, starting the/ ^' h9 q5 o. o+ ]9 ]. d1 V
second year after the funds are withdrawn, until you have
7 v) n7 G, g, Q: q; xrepaid the total amount you withdrew. If you do not repay
8 H- t+ l8 h- gthe amount due for a year, it will have to be included in
& Q# o. ?: e# e* ?- i( Y6 cyour income for that year. |
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发表于 2004-9-8 07:23
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