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Is this guide for you?
3 ~# [# v) w( i& ]( E+ TUse this guide if you want information about the rules that
3 Q& ^- j0 H( }% k2 Q3 Z' c( ] Zapply to the Home Buyers’ Plan (HBP).4 ~/ l$ `4 f+ a) u, n9 g
What is the HBP?
0 i4 o2 A; A# G& O4 A0 c# pThe HBP is a program that allows you to withdraw up3 h- |. o" j/ Z8 S2 o- c8 {4 t& m. a
to $20,000 from your registered retirement savings plans% l7 Q. R# U% N& T) K
(RRSPs) to buy or build a qualifying home. However, the
+ U1 \1 P. q' q% eprogram sets out certain conditions for participation. If an$ K+ p5 `: ~1 |0 {
individual meets all the applicable HBP conditions, the. }" J; j8 S9 B# j$ ?3 c
withdrawals will not have to be included in his or her/ [& Z$ g- L4 H
income, and the RRSP issuer will not withhold tax on these
1 d0 W$ V9 g4 y9 }, m$ g$ e) Eamounts. If you buy a qualifying home with your spouse or; L% ]" E N; N) r/ Z' ]7 h
common-law partner, or with other individuals, each of
* t2 m1 c' d* M# Byou can withdraw up to $20,000.
% u; ^, y/ X* C; B, v) `# n" g jUnder the HBP, you have to repay all withdrawals to your0 }/ i3 H0 Q' L/ a( u7 N
RRSPs within a 15-year period. Generally, you will have to
7 ?) j* l' y! krepay an amount to your RRSPs each year, starting the
5 g) c) v, _+ `! w, |, m: u; C3 i$ psecond year after the funds are withdrawn, until you have7 _, E+ T& G- Y& I+ Q h
repaid the total amount you withdrew. If you do not repay
' U/ N$ ` `, \! \) d5 Othe amount due for a year, it will have to be included in n+ o& A# d5 @" ~- W% i6 }* E7 s- c
your income for that year. |
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发表于 2004-9-8 07:23
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