Home Buyers’ Plan

享受生活

Is this guide for you?
% P! Y2 K5 p+ v; J+ b; qUse this guide if you want information about the rules that
) M. K0 j% e3 F! _2 [; z3 E3 Kapply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
! S/ {) |) E2 E0 g6 ~& Awithdrawals will not have to be included in his or her
2 i0 p! r* v! _7 Mincome, and the RRSP issuer will not withhold tax on these
  H  u" l$ P  A& N/ iamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
1 v+ ?/ s) b: w3 `6 Pyou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
! y4 A! M* {& d8 R% c0 N0 [4 K) LRRSPs within a 15-year period. Generally, you will have to
& Q2 R3 B- k) w  b( _$ l! y# }repay an amount to your RRSPs each year, starting the
9 Z# Y3 A1 o: O% _) k- B4 e  R' }second year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
  v9 w  k* u: |8 r) Athe amount due for a year, it will have to be included in
your income for that year.

平常

再详细一点就好了。

享受生活

有更详细的，可惜文件有200－300KB

qsy

What' meaning?