Home Buyers’ Plan

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Is this guide for you?
- {  e8 t; W4 v  n7 a/ pUse this guide if you want information about the rules that
, K3 N; Q5 k" Z) `7 \/ Aapply to the Home Buyers’ Plan (HBP).
What is the HBP?
6 z- }. B& M, Y. T. JThe HBP is a program that allows you to withdraw up
% Q& J+ @* _9 D8 F5 g  |to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
3 F2 K" }" [) H; W6 w, `5 C2 H# ~program sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
4 t, ?& h2 q, Q9 T1 bwithdrawals will not have to be included in his or her
8 g; @# _6 Q- _6 e9 Y5 j% tincome, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
+ I7 F$ K5 i% Q8 i, wcommon-law partner, or with other individuals, each of
you can withdraw up to $20,000.
  I) l! E! `1 `! @Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
( b7 G4 L& i) ~+ I7 H: O( M, orepay an amount to your RRSPs each year, starting the
+ ?/ ~: {( Q# W5 s- s! y  ^second year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
6 d6 f0 B) P* L& y$ W; v( e- \6 Qthe amount due for a year, it will have to be included in
7 ~, e! J" d  E6 n. myour 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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