Home Buyers’ Plan

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Is this guide for you?
+ m  Y- S9 [& K- l8 G$ IUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
What is the HBP?
6 E2 ?( H0 \' c' k& D+ x2 rThe HBP is a program that allows you to withdraw up
8 \/ O5 T7 n: _% g8 Q, q& mto $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
: T- q: N/ h( Q. @: U6 H; W, e  K0 \individual meets all the applicable HBP conditions, the
2 F6 C4 ^# g* t4 o" q$ Hwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
  d+ \# i/ {- O$ w0 Ucommon-law partner, or with other individuals, each of
you can withdraw up to $20,000.
% A" }; h9 m3 F) m% y2 X/ @2 }: bUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
$ H# k& M$ a9 O5 l( g4 V% I/ hrepaid the total amount you withdrew. If you do not repay
- x) n2 v1 P, Z! J4 A$ \8 A* Hthe 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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