Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
5 j5 \; I  e* j2 E* {7 `apply to the Home Buyers’ Plan (HBP).
1 o$ c- t0 t" _- R1 i& |% W6 |$ sWhat is the HBP?
& e% r/ g( t9 k% N# R: u- HThe HBP is a program that allows you to withdraw up
" M$ a) g% w" b8 n# r  e. tto $20,000 from your registered retirement savings plans
" i, ]+ T8 W/ j& f(RRSPs) to buy or build a qualifying home. However, the
) T1 t3 r% F$ i+ M# A4 mprogram sets out certain conditions for participation. If an
# G$ S7 \- ~* O4 Windividual meets all the applicable HBP conditions, the
1 e1 A8 [. n, H! |& ~* rwithdrawals will not have to be included in his or her
3 l9 \6 |; y  s0 C5 W" \! eincome, 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
2 Y5 A$ i% ~8 i( u& Z8 vyou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
9 ^4 o( s4 }* c7 G+ t1 NRRSPs within a 15-year period. Generally, you will have to
+ a/ k! o; m: Q0 u& Prepay an amount to your RRSPs each year, starting the
( b# O; J0 m6 |, w3 X; m% ]5 o$ j: _- v9 Zsecond year after the funds are withdrawn, until you have
  e- m# }5 K+ j9 |$ rrepaid 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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