Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
6 x) y, @: s- C+ J3 j: bapply to the Home Buyers’ Plan (HBP).
- @8 Q" Z" Y3 s: \- v- AWhat is the HBP?
% ~5 f5 G8 m! E  p& o; iThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
' r4 @) T8 B  p% cindividual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
" v, h/ z- v* q+ P$ \8 w3 ]amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
you can withdraw up to $20,000.
# A8 a: x- R7 A: C. S) P: y3 uUnder 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
5 F& h" R/ n6 F1 r- |4 W2 _+ Rsecond year after the funds are withdrawn, until you have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
your income for that year.

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再详细一点就好了。

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