Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
- i1 J3 @7 n. M; g: [# {, Rapply to the Home Buyers’ Plan (HBP).
# D% }! Y0 u7 t# J% ^! qWhat is the HBP?
% f+ n1 ?7 T! ^( rThe HBP is a program that allows you to withdraw up
! {  A- m' m, e. o. I( xto $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
9 v( s7 m8 `) |( q/ l' L, Uprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
: w6 t6 m# J' Dwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
; ~2 E2 R  K1 A/ H; g( Y5 [amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
0 j8 _# D9 m! Y4 ?RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
8 j( \5 f" s/ ]5 F2 rrepaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
9 L. \  R  B- N& o5 u% ?your income for that year.

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再详细一点就好了。

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