Home Buyers’ Plan

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Is this guide for you?
% ?+ y3 E) f+ A5 T% lUse this guide if you want information about the rules that
4 w0 f# g. l) E3 Vapply to the Home Buyers’ Plan (HBP).
What is the HBP?
+ Z$ L& m5 n6 t" BThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
% U  i, o3 ~7 J/ [(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
1 r* G! l1 O6 l. y$ X0 c0 }2 cindividual meets all the applicable HBP conditions, the
. d; b2 T* P6 e" l- Swithdrawals will not have to be included in his or her
0 k# K5 ?/ G9 u0 G2 x% t" F( {income, and the RRSP issuer will not withhold tax on these
( M+ t% W8 [' x) f1 A& namounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
0 d! d7 s( m+ D5 G( fyou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
. R5 |% {! J9 L) h7 `0 u1 F  ARRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
; M# z, X* C- v8 Zsecond year after the funds are withdrawn, until you have
repaid 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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