Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
; ^" t! \1 O6 O; ~5 z4 kapply to the Home Buyers’ Plan (HBP).
What is the HBP?
, U0 O( P4 W5 M7 _- M+ CThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
  f8 j! Q9 d) C+ S) Aindividual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
7 F$ f5 S, o7 l: o2 k$ c" m5 \. Uincome, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
  p2 }7 t; B; L, J: Ccommon-law partner, or with other individuals, each of
you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
$ s! r8 F& q+ u' V! T9 d' Arepay an amount to your RRSPs each year, starting the
  C2 Y# o8 Y( w5 q; asecond year after the funds are withdrawn, until you have
9 Y; }6 D3 K- rrepaid the total amount you withdrew. If you do not repay
) M2 x& O' L4 T9 ?the amount due for a year, it will have to be included in
+ N9 g+ b6 e3 uyour 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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