Home Buyers’ Plan

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Is this guide for you?
9 }: B" D) J( ^5 R, W0 hUse this guide if you want information about the rules that
! E4 s  G. c3 Papply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
' C5 v. W" z% i( \3 c# mto $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
% X* U8 a; _8 g& Nprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
3 Y0 |- A) Q; k: X( g1 a) cwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
0 s$ Q$ d" n6 ?8 Q( }9 nyou can withdraw up to $20,000.
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
second year after the funds are withdrawn, until you have
6 A! I  M9 n6 I8 J& ~/ T. irepaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
9 {+ Y; U  o; V0 y& b7 y+ ^1 Vyour income for that year.

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再详细一点就好了。

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