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Home Buyers’ Plan

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发表于 2004-9-8 07:23 | 显示全部楼层 |阅读模式
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Is this guide for you?
% ~, p3 S" C+ {8 uUse this guide if you want information about the rules that
; s, v7 \3 R4 b" w+ ^) J+ aapply to the Home Buyers’ Plan (HBP).$ F) M( v) ?2 J
What is the HBP?4 y- j" _+ x; q; ?) a: x
The HBP is a program that allows you to withdraw up
1 Y0 E. E! t& p# `' Z8 sto $20,000 from your registered retirement savings plans
! l2 N2 m% t, N% q(RRSPs) to buy or build a qualifying home. However, the
6 A) F( ?$ v- yprogram sets out certain conditions for participation. If an
4 m( ?& u! l1 o% \6 \individual meets all the applicable HBP conditions, the; }. C6 `9 ]9 ~* A4 V
withdrawals will not have to be included in his or her2 n& u" i( k2 v: @( P& M
income, and the RRSP issuer will not withhold tax on these
& X  p- o! F% h( E9 d' h1 ~amounts. If you buy a qualifying home with your spouse or
5 q* b+ v9 K0 ]; F! lcommon-law partner, or with other individuals, each of0 H" M0 i9 C# _$ D- F
you can withdraw up to $20,000.
" P4 E8 Q& M$ VUnder the HBP, you have to repay all withdrawals to your
8 p. I# X9 I7 o/ U( r( N) W0 zRRSPs within a 15-year period. Generally, you will have to
& m7 b* T* ]1 f# o& qrepay an amount to your RRSPs each year, starting the& O3 J3 I  J, u9 E% t
second year after the funds are withdrawn, until you have9 B  g6 v- m6 a
repaid the total amount you withdrew. If you do not repay1 z, F7 ^! L0 y( n* `( G2 L- l* c
the amount due for a year, it will have to be included in
$ p9 `; y3 i7 f/ Pyour income for that year.
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发表于 2004-9-8 08:02 | 显示全部楼层
再详细一点就好了。
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 楼主| 发表于 2004-9-8 08:07 | 显示全部楼层
有更详细的,可惜文件有200-300KB
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发表于 2004-9-8 11:00 | 显示全部楼层
老杨团队 追求完美
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