Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
: Y" ?# \, }' x" ]to $20,000 from your registered retirement savings plans
) @6 y7 Y/ S  A/ C(RRSPs) to buy or build a qualifying home. However, the
: D4 P4 g; F+ R: J+ c8 _program sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
; L* ?9 @7 U$ }- N# k, kincome, and the RRSP issuer will not withhold tax on these
. _$ R4 g0 g) O, [8 c4 j: }& Y! s0 ^8 Camounts. If you buy a qualifying home with your spouse or
0 q) e8 g" j! G, F  W6 n2 o0 Mcommon-law partner, or with other individuals, each of
you can withdraw up to $20,000.
: g4 r: |+ P4 D( Q* SUnder the HBP, you have to repay all withdrawals to your
0 c0 k- _2 P( K4 URRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
8 m) U/ P3 }+ w7 Q7 bsecond year after the funds are withdrawn, until you have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
6 I) w8 p" t( N& ]4 q3 Gyour income for that year.

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再详细一点就好了。

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