Home Buyers’ Plan

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Is this guide for you?
# z0 ]  }$ y: \7 j0 f8 q% kUse this guide if you want information about the rules that
8 E& A( h9 g; f3 ]apply to the Home Buyers’ Plan (HBP).
What is the HBP?
- s  A6 h7 ~  P' K/ rThe HBP is a program that allows you to withdraw up
4 B( i5 }/ P0 f. @4 m( L+ Z" B0 r: W* Jto $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
" Z7 V3 D" k& a* ^) {4 z  M8 r, Uindividual 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
, h# y) A, e, O: W; xamounts. If you buy a qualifying home with your spouse or
2 m6 g) R% ]: ~) J, Scommon-law partner, or with other individuals, each of
' m; i6 b2 r5 t+ B% r% Jyou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
9 j; J. b. T5 O+ HRRSPs within a 15-year period. Generally, you will have to
. Z4 R5 [! u  H$ drepay an amount to your RRSPs each year, starting the
: W1 e8 g) {6 C0 Wsecond year after the funds are withdrawn, until you have
0 U$ B; h& O  u; @& S: [5 P3 m3 Erepaid 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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