Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
4 q2 O/ v, f+ _+ Mapply to the Home Buyers’ Plan (HBP).
2 h: I2 M; V5 Y+ G# q0 \$ XWhat is the HBP?
* @* F7 I9 R6 C: yThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
# N; Y0 R% e" V! m) s' b6 E(RRSPs) to buy or build a qualifying home. However, the
$ T  }# b9 N. Y( d7 x& M2 P+ jprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
% F" ~# F7 H0 ?1 X7 F5 twithdrawals 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
common-law partner, or with other individuals, each of
) a% g0 M% r0 w/ R/ F2 ^7 Jyou 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
second year after the funds are withdrawn, until you have
4 D% q' J& h* h! O8 i. g* p. }repaid the total amount you withdrew. If you do not repay
9 M) o1 D% @' v& V2 s4 D3 T1 `- ^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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