Home Buyers’ Plan

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Is this guide for you?
* ^1 X; a; |' P+ v$ |0 \7 uUse this guide if you want information about the rules that
* ^) V  ]" a6 @& n/ U" g. capply to the Home Buyers’ Plan (HBP).
What is the HBP?
4 a* p' m# ^# Z' e/ z$ MThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
$ I- F# \' Q! k- z; r9 |(RRSPs) to buy or build a qualifying home. However, the
" N' L( Y3 z2 |, @1 d* H# gprogram sets out certain conditions for participation. If an
4 D2 k7 }$ `9 C% m2 l4 S) @4 B: T, Xindividual 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
amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
5 C/ j) n2 e3 @3 W6 o& A: Z& L: F4 D; nyou can withdraw up to $20,000.
& [7 o2 i5 Y# I, GUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
6 L; S0 I# L; ]repay an amount to your RRSPs each year, starting the
$ `" S# r' }4 m; O2 Xsecond year after the funds are withdrawn, until you have
4 T! c- _2 A4 I* L& r8 o1 xrepaid 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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