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Is this guide for you?
6 {& f' P( g' C# O+ j4 c# h3 [/ O5 m9 pUse this guide if you want information about the rules that3 g, |3 H0 U' T- Q0 ^* ~- m1 M) A
apply to the Home Buyers’ Plan (HBP).
C- _' U0 x. l7 A/ P+ o8 kWhat is the HBP?% Z: g% H& ^* r7 }& L) C
The HBP is a program that allows you to withdraw up$ P/ E% l$ c1 G: H2 Q
to $20,000 from your registered retirement savings plans+ g% V. {- v3 E* W) e$ o9 X, D
(RRSPs) to buy or build a qualifying home. However, the- i* Q2 J! L5 y! p) H
program sets out certain conditions for participation. If an
+ M; G# v# U- {individual meets all the applicable HBP conditions, the
" U4 [. c' @) |" k s7 Xwithdrawals will not have to be included in his or her& l b# a" U/ O5 [
income, and the RRSP issuer will not withhold tax on these1 u/ G6 X5 D0 L. N# k1 ?& l
amounts. If you buy a qualifying home with your spouse or, A6 S' T" J6 i7 A# Z! D
common-law partner, or with other individuals, each of
# B9 C6 L6 l* B$ a1 t' uyou can withdraw up to $20,000. |& u2 E& Y: c
Under the HBP, you have to repay all withdrawals to your
Z7 M/ p# J X2 |RRSPs within a 15-year period. Generally, you will have to
& h# m; [0 e/ g" J" I9 A9 d- mrepay an amount to your RRSPs each year, starting the j/ `1 \, O! J( |+ D. ~5 I
second year after the funds are withdrawn, until you have
0 l2 c1 W- N) Q8 R% M2 e3 srepaid the total amount you withdrew. If you do not repay& p+ a$ o8 e6 i3 S' N0 M9 T3 U: m
the amount due for a year, it will have to be included in
4 t3 D% ]0 u9 K" S3 z1 F* `your income for that year. |
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发表于 2004-9-8 07:23
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