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).
+ J* _) F( V( M# n1 l5 hWhat is the HBP?
The HBP is a program that allows you to withdraw up
0 a2 \$ u2 ^% e% G7 Dto $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
8 {3 ?3 z3 V8 oprogram sets out certain conditions for participation. If an
- E) C; G' C2 M) u& W& `  sindividual meets all the applicable HBP conditions, the
, \, c0 }# Q4 c) j8 ~withdrawals will not have to be included in his or her
2 d7 q7 B4 n; bincome, and the RRSP issuer will not withhold tax on these
- I# @0 h, ?  |, [/ Q- [9 iamounts. If you buy a qualifying home with your spouse or
+ b6 g/ g# h* v/ n4 M8 v* R1 scommon-law partner, or with other individuals, each of
you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
0 C# Y+ F  Y: l; l1 ?RRSPs within a 15-year period. Generally, you will have to
  G! z) q6 }8 c/ b; X) @repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
; n) L4 f: {! lrepaid the total amount you withdrew. If you do not repay
( t& G  E& n" }- E3 Kthe 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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