Home Buyers’ Plan

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Is this guide for you?
# |" _: ?5 {6 ^$ hUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
9 T) L; E/ ~9 FWhat is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
9 B) K5 z2 ]" z4 {(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
. k/ }3 q* a+ w5 Yindividual meets all the applicable HBP conditions, the
& B5 N1 S- Z$ L( hwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
6 T3 m" Q7 h/ Q& A- F: u/ icommon-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
RRSPs within a 15-year period. Generally, you will have to
6 H. [/ N& B# Yrepay an amount to your RRSPs each year, starting the
( j  h1 O- ^) _2 ^7 X# T" jsecond year after the funds are withdrawn, until you have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
5 ^; _* g! l; N1 Pyour 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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