Home Buyers’ Plan

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Is this guide for you?
- s% Z/ c# T) }Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
What is the HBP?
1 H0 s0 v. o5 I6 |+ E. qThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
0 _; K# c" o' A4 a6 h* ]' k: R) x% o, Iprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
7 `* K& B5 }0 D! Z7 p9 Uwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
; l  k2 ?! t; D& q( kcommon-law partner, or with other individuals, each of
you 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
repay an amount to your RRSPs each year, starting the
1 t% z% G% E3 y6 t8 M& @second year after the funds are withdrawn, until you have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
5 Q' E, e" k2 t5 gyour 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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