Home Buyers’ Plan

享受生活

Is this guide for you?
; ~: m/ }6 y; QUse this guide if you want information about the rules that
2 r& o% H9 _& E. H7 E" t* v) Dapply to the Home Buyers’ Plan (HBP).
$ j: \# S# _  R2 [What is the HBP?
: W$ p$ X3 C- i- q  o* G: r2 YThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
) ?  Y8 T7 b# y( }4 \! H6 e1 O(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
+ Z2 V5 N1 ]$ ?; N' mindividual 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
" Y5 G  i/ d/ Vamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
: z1 ?$ s( N% s( Oyou can withdraw up to $20,000.
& O! b* D0 a0 v; vUnder the HBP, you have to repay all withdrawals to your
1 J5 X8 g3 x& v. LRRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
' H2 j" _4 k2 e: |  p7 Lrepaid the total amount you withdrew. If you do not repay
' Y; X- N. v8 Xthe amount due for a year, it will have to be included in
9 i. G: U$ C# r% Iyour income for that year.

平常

再详细一点就好了。

享受生活

有更详细的，可惜文件有200－300KB

qsy

What' meaning?