Home Buyers’ Plan

享受生活

Is this guide for you?
Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
/ S, R) H; H' q# \4 c; P6 sWhat is the HBP?
/ d7 W. V) f: ~5 O9 UThe HBP is a program that allows you to withdraw up
+ h7 P7 {# f# e/ z+ T$ G! ito $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
; U' }) B$ D& _$ `2 dprogram sets out certain conditions for participation. If an
: v/ f# ]' a2 findividual meets all the applicable HBP conditions, the
& s2 _! N1 G) e1 A# k; G! h+ a+ B9 ywithdrawals will not have to be included in his or her
( V& N, I' w- V( bincome, 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
" k7 B# C2 h/ f+ |5 qyou can withdraw up to $20,000.
, W- d2 m4 K' h- t  |Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
# }8 Z3 B5 X2 K' j7 G+ qrepay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
! N( N6 I* s' Z- l9 L% a. Vthe amount due for a year, it will have to be included in
  ~! _8 z& |2 C5 I7 Wyour income for that year.

平常

再详细一点就好了。

享受生活

有更详细的，可惜文件有200－300KB

qsy

What' meaning?