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Is this guide for you?
2 L: I5 H7 b1 `. A: E1 j' rUse this guide if you want information about the rules that- \' X+ Z e9 Z6 \, g4 ^) `) ]
apply to the Home Buyers’ Plan (HBP).) d( N. C& \2 J4 k+ a j
What is the HBP?
1 C( M" j, A& ]9 v* D! n% rThe HBP is a program that allows you to withdraw up
5 U& T* n# J3 O' l4 ^( {9 B# `to $20,000 from your registered retirement savings plans2 N1 E q9 [: c
(RRSPs) to buy or build a qualifying home. However, the- D* |/ L1 R5 f. i+ G/ q
program sets out certain conditions for participation. If an& s' a3 U1 t: C2 `) N" [
individual meets all the applicable HBP conditions, the
3 U u+ b2 O$ ?1 N# V/ Mwithdrawals will not have to be included in his or her
" Q; W# \0 X Q6 @# q8 rincome, and the RRSP issuer will not withhold tax on these
& N x9 E' D/ J3 r5 M% g& I+ Oamounts. If you buy a qualifying home with your spouse or: j1 p5 d! K: I# I s& c
common-law partner, or with other individuals, each of; o3 f7 V5 j' U, `5 U
you can withdraw up to $20,000.
' j5 p( J6 x& G2 W# q' w7 b4 `Under the HBP, you have to repay all withdrawals to your
) {2 r9 X; ~ [RRSPs within a 15-year period. Generally, you will have to! u1 e) _! r X
repay an amount to your RRSPs each year, starting the
4 ^3 k0 P$ W, k5 i& Fsecond year after the funds are withdrawn, until you have
! z/ m. a( t" \% M# s* r0 Mrepaid the total amount you withdrew. If you do not repay9 _4 q' Q9 r; \& ~; p @/ _0 p
the amount due for a year, it will have to be included in
4 ~, j3 c" L' N, k# I4 {your income for that year. |
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发表于 2004-9-8 07:23
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