Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
& v+ ^9 u7 X! J+ L# {What is the HBP?
* u2 Z9 f6 {# B5 }+ W$ ~" `) n2 kThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
1 Q2 k6 Y! w* f(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
5 a; y( M8 ?6 Z3 y: e7 F! yindividual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
, ?5 w* ?7 l3 Mamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
you can withdraw up to $20,000.
- a7 o" Y& a1 bUnder the HBP, you have to repay all withdrawals to your
  g' [! L2 o4 S9 b  E9 f3 v: `RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
) t* {# o( X  C/ k+ `' orepaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
& a) \/ y, z6 E/ d$ F' T8 Jyour income for that year.

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再详细一点就好了。

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