Home Buyers’ Plan

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Is this guide for you?
$ I6 ^! [5 Q1 [0 X' @- f. L4 OUse this guide if you want information about the rules that
$ d0 M3 s2 x# Rapply to the Home Buyers’ Plan (HBP).
6 R+ ^. t- A- [What is the HBP?
. |& H3 l$ L6 k* P# _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
5 Z* J0 R4 ]: @3 Cprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
' g9 l5 S4 v8 ^! E) d0 N' V  Fwithdrawals will not have to be included in his or her
6 G2 K1 C( Y5 r4 a* g* U! Gincome, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
; v! Q: v2 g9 t) ^7 |common-law partner, or with other individuals, each of
you can withdraw up to $20,000.
8 X  z/ i/ g# [" T) K( q4 RUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
, \( }% F2 J2 q8 e5 zrepay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
5 _2 L* I+ [5 a4 V3 urepaid the total amount you withdrew. If you do not repay
" z: C8 |! m/ K% h4 |the amount due for a year, it will have to be included in
% _! e( ^# b3 Xyour income for that year.

平常

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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