Home Buyers’ Plan

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Is this guide for you?
9 R2 H8 s  i  S4 n0 R8 \0 lUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
, ^5 _  Y$ \  z1 h& v4 Z; AWhat is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
+ ^6 k; T+ `6 L8 R) w* R+ Z6 I(RRSPs) to buy or build a qualifying home. However, the
' m8 I- b+ f, \1 cprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
; G/ o# h2 }$ h3 y  D3 Cincome, and the RRSP issuer will not withhold tax on these
" \1 e2 q9 ~$ X# S7 Iamounts. If you buy a qualifying home with your spouse or
3 X0 Y% {6 R) J( N! ?& ?common-law partner, or with other individuals, each of
6 k. X$ E: f  E; K  Jyou can withdraw up to $20,000.
; S7 `" Q5 D* g- b( s: k1 L0 B3 QUnder the HBP, you have to repay all withdrawals to your
- Y8 j' x6 C1 X) x, h3 n! W6 PRRSPs 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second year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
# u3 F2 z/ A* N1 ]3 J9 a* lthe 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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