Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
6 |8 p! K$ k1 n5 o- o1 _apply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
* {3 \) [& R' Y2 C- L0 _9 Vto $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
individual meets all the applicable HBP conditions, the
2 j! ]. S# a  W- @# r. E: S/ @2 Bwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
$ D, S, ~7 N8 J( V# Xamounts. If you buy a qualifying home with your spouse or
% ~$ |  D( f2 v: Ccommon-law partner, or with other individuals, each of
2 K8 U3 k% z! d2 pyou can withdraw up to $20,000.
) J- G- u0 S4 b( l% _  XUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
$ O7 J" h) c, Q. t: Urepay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
$ u2 n* N& f4 M. g+ L5 Z1 x# ]repaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
/ p" U& |2 c: \- h# i5 Wyour 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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