Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
What is the HBP?
/ n: Q1 ~$ e/ Q, w$ x3 g- Y$ `The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
) ~& n8 Z1 ~$ X* s! [4 o% Sprogram sets out certain conditions for participation. If an
) ^4 ]$ [* @0 N, |% Z/ cindividual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
9 t/ S+ S% i8 V) B1 d+ H- G, |* Dincome, and the RRSP issuer will not withhold tax on these
3 J0 `+ u1 t) Uamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
7 d- ?+ l# ~8 E0 L  I+ I+ @9 H' H; hyou 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
2 @8 ^% V. e. A) `- c) U4 f: Y& nrepay an amount to your RRSPs each year, starting the
& |  Y" P! w! bsecond year after the funds are withdrawn, until you have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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有更详细的，可惜文件有200－300KB

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