Home Buyers’ Plan

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Is this guide for you?
6 _, M% Q* I- O5 PUse this guide if you want information about the rules that
/ m; Q  F4 A# O: ]1 ?+ _9 Gapply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
  p% t8 J' M. T3 L( `# wto $20,000 from your registered retirement savings plans
2 \9 v1 \  @- e(RRSPs) to buy or build a qualifying home. However, the
- I. ]! _  N4 ]5 D; L5 bprogram sets out certain conditions for participation. If an
9 P" o; P: w$ t7 k6 e: `, Windividual meets all the applicable HBP conditions, the
8 w- p/ C1 ~$ Awithdrawals will not have to be included in his or her
: z3 j; y7 z1 h# ?5 fincome, and the RRSP issuer will not withhold tax on these
2 v6 U2 K6 C/ @  M$ b- F) ~" hamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
! b! c1 K1 j! y& J: h6 q) ^you can withdraw up to $20,000.
; M1 m& l. d3 O$ M0 }Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
7 u3 z1 {$ G/ i% J/ v2 {& Q0 esecond year after the funds are withdrawn, until you have
$ X  \  H  @' Yrepaid the total amount you withdrew. If you do not repay
3 h/ b3 d" t4 Y! D5 u! E0 D  F& Vthe amount due for a year, it will have to be included in
! N/ h, g8 k# O( |your income for that year.

平常

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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