Home Buyers’ Plan

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Is this guide for you?
# h+ \6 X7 y( P! t. Z5 `6 xUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
# @8 e# h* ^, u/ {  Q  aWhat is the HBP?
7 n: h  E& J( r; J8 [3 t' x! K; pThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
4 h2 K( y' N. g" ~: P. L0 q' d( W(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
2 r, h; _  v& q9 t$ h$ }withdrawals will not have to be included in his or her
8 i: J% U0 I( o0 |1 z4 i# gincome, and the RRSP issuer will not withhold tax on these
8 l$ u  Y3 e6 f+ D, t' uamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
0 \$ r, S  y' O* J  K+ s1 Zyou can withdraw up to $20,000.
6 N- g; `" j7 a' V6 L0 lUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
, S' Y2 K: H$ ^: `# 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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