Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
2 |4 n# |" Q" C; T  _9 japply to the Home Buyers’ Plan (HBP).
What is the HBP?
% I4 b& g2 n8 b: J2 R$ B0 d: x+ bThe HBP is a program that allows you to withdraw up
8 z$ E# q, C9 |+ x7 W: K) yto $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
4 F! c, ^9 G: y8 ]  Yprogram sets out certain conditions for participation. If an
+ u7 m. p# Q% Oindividual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
& Y5 l4 H/ W5 G/ ^! u% V6 O! iincome, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
' ^2 j9 j4 L' A- j- x! {! Byou can withdraw up to $20,000.
; {; W/ k- `& l, j2 \6 SUnder the HBP, you have to repay all withdrawals to your
RRSPs 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second year after the funds are withdrawn, until you have
5 F9 L- n* A2 S3 R7 @: ~1 Orepaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
your income for that year.

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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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