Home Buyers’ Plan

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Is this guide for you?
& I, f4 V/ z5 s6 hUse this guide if you want information about the rules that
- B' n- g3 @4 f6 a" Gapply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
, |& p& O4 y/ k8 p2 X: B3 O(RRSPs) to buy or build a qualifying home. However, the
* Y6 a* D8 F! a$ {% h6 W. j$ Tprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
% o: y$ G3 a' ~% Y% l/ ]8 vwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
- z: ]1 a5 {; B+ g1 I3 ~amounts. If you buy a qualifying home with your spouse or
. L. f- k6 X3 ^( @2 M7 M6 E4 ~common-law partner, or with other individuals, each of
( |: v4 B( ^0 R/ E) ^1 i2 Wyou can withdraw up to $20,000.
, l" p: W& N, nUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
- W3 i" h# a5 K1 J( k( ^5 _* Q" I) Nsecond year after the funds are withdrawn, until you have
: u$ W+ G  x) @9 f) R8 Lrepaid the total amount you withdrew. If you do not repay
% o+ f& H+ d/ T$ l" Rthe 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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