Home Buyers’ Plan

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Is this guide for you?
- b: w; \- r" ?( P. XUse this guide if you want information about the rules that
1 Y4 u2 t, s* I2 r# Iapply to the Home Buyers’ Plan (HBP).
6 f6 v0 }" T) WWhat is the HBP?
9 H$ P, r( Y5 Q& YThe 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
individual meets all the applicable HBP conditions, the
, t4 l# M8 I( J& K7 N2 Awithdrawals will not have to be included in his or her
income, 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
you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
; u/ g$ J" _/ R) h7 JRRSPs within a 15-year period. Generally, you will have to
! p" I8 X6 F6 w* `) h- }repay an amount to your RRSPs each year, starting the
0 k! n; T: j0 M7 n# p% Tsecond year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
- t+ ?6 a0 b$ r# ^% L: ]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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