Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
1 Q. E2 d% a- e) T) Eapply to the Home Buyers’ Plan (HBP).
* U, ^3 t" l& K0 l- |" D% DWhat is the HBP?
9 {# K$ H- Z; f; ~0 v3 Y  dThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
* q7 i; X9 Y9 ~# \+ a1 aprogram sets out certain conditions for participation. If an
* ^  _- F- N( `' N' Yindividual meets all the applicable HBP conditions, the
, n; K- f* N. q0 i& ywithdrawals will not have to be included in his or her
5 G# V' c/ M, m9 v9 \" j2 Kincome, and the RRSP issuer will not withhold tax on these
) t7 u# R$ Y# d- f, ]) E+ _amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
, A& N; U6 n$ N/ Zyou can withdraw up to $20,000.
: j; h3 y2 \9 p% `2 h( IUnder the HBP, you have to repay all withdrawals to your
! V- e) u% S2 ~3 b  f2 w; H8 ORRSPs within a 15-year period. Generally, you will have to
3 d# v5 P/ {/ P* P: Yrepay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
  H  g9 P; T# @( F+ I5 Frepaid the total amount you withdrew. If you do not repay
3 C! E; U  S. K5 n. S! }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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