Home Buyers’ Plan

享受生活

Is this guide for you?
( v* g/ u" J7 o9 D) @) EUse this guide if you want information about the rules that
( K# g/ y( g# y/ f0 U9 t' K! M& rapply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
7 g% n, J* U+ |0 t7 z! o7 f(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
! X' ]5 }, `2 Oindividual meets all the applicable HBP conditions, the
9 u  x" s9 n+ v. |withdrawals will not have to be included in his or her
1 |0 {' ~; R1 d; nincome, and the RRSP issuer will not withhold tax on these
) ^2 \; H$ j3 z7 M1 Qamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
% t6 V2 D$ i2 j! _7 qyou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
! i& m$ ^$ l! Z) L* Grepay an amount to your RRSPs each year, starting the
: ~6 F5 w4 q7 _9 C% h8 Ysecond year after the funds are withdrawn, until you have
2 J8 f9 R0 }( y7 z' c3 s0 b; v6 h+ _repaid the total amount you withdrew. If you do not repay
; q6 D. N0 u1 b9 [1 m( Gthe amount due for a year, it will have to be included in
your 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?