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Is this guide for you?
6 [! a+ \+ X7 X4 u' b7 s2 A" V: J1 yUse this guide if you want information about the rules that- H. V/ W2 x" i# j
apply to the Home Buyers’ Plan (HBP).
2 Z1 J* ]+ ~7 `& _; MWhat is the HBP?1 P7 a' X# O* l& M% U- z; x
The HBP is a program that allows you to withdraw up
8 n0 V! p! [; {, y) Xto $20,000 from your registered retirement savings plans
8 E# U9 a$ P$ b! l# D; |3 }(RRSPs) to buy or build a qualifying home. However, the
7 z, a! z, a4 O8 Lprogram sets out certain conditions for participation. If an6 d( c ^" k+ K0 x* C# ^ z2 b
individual meets all the applicable HBP conditions, the
7 z5 t, R+ I" I+ T8 fwithdrawals will not have to be included in his or her' y( ~2 r# {* e; W5 n. M2 E
income, and the RRSP issuer will not withhold tax on these
/ n3 k+ v% c1 p4 I# I; Xamounts. If you buy a qualifying home with your spouse or
; x! N/ h( L1 X$ G5 ncommon-law partner, or with other individuals, each of
( F4 o% W+ o# `you can withdraw up to $20,000.
7 J7 Y- x4 N, z+ _$ E3 `. N7 UUnder the HBP, you have to repay all withdrawals to your: T- x M5 N2 a$ m4 s
RRSPs within a 15-year period. Generally, you will have to" R) A1 p8 X1 q0 v+ }! U. k- z' w/ O
repay an amount to your RRSPs each year, starting the
+ j5 p% }9 [1 e4 U' X4 q- Esecond year after the funds are withdrawn, until you have' Z2 g7 W! c) E# w
repaid the total amount you withdrew. If you do not repay$ S3 x, j5 f7 D: w: r
the amount due for a year, it will have to be included in
3 B0 G0 G5 A, A! k4 U0 C$ l# xyour income for that year. |
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发表于 2004-9-8 07:23
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