Home Buyers’ Plan

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Is this guide for you?
( j: i2 g% g5 }6 g8 iUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
% b& l, c& A! l( u) L1 B  L/ xWhat is the HBP?
The HBP is a program that allows you to withdraw up
9 }: ^  }" Q' n" A3 Oto $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
. S4 p' i- w! V: ywithdrawals will not have to be included in his or her
# P6 O& O2 B9 Bincome, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
, v; T9 {+ B" F2 ucommon-law partner, or with other individuals, each of
you can withdraw up to $20,000.
' Q/ ?/ x8 Z- B0 m( UUnder 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second year after the funds are withdrawn, until you have
* K  }1 J8 Y: irepaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
your income for that year.

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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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