Home Buyers’ Plan

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Is this guide for you?
& k# i  d2 {* W4 p8 J% lUse this guide if you want information about the rules that
1 q* z, a7 X4 ?! B1 u) Napply to the Home Buyers’ Plan (HBP).
0 R+ w7 X* d) z2 ^What is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
; D4 A! U. T0 _$ ^0 }& Qindividual meets all the applicable HBP conditions, the
! h/ o8 G/ I* I; U5 d+ w$ i1 Swithdrawals will not have to be included in his or her
% i/ L' _( `2 H4 k$ `9 x4 sincome, and the RRSP issuer will not withhold tax on these
& i( Z( [4 N* ]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 $20,000.
3 c- Y, v1 y" v& X- {4 A* rUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
1 [' {/ \6 }4 J- Y, T4 S( ~second year after the funds are withdrawn, until you have
& {# Q$ u/ i; r0 prepaid the total amount you withdrew. If you do not repay
+ z5 f$ q" F) f5 M9 lthe amount due for a year, it will have to be included in
- r% B% i6 @  G/ zyour income for that year.

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再详细一点就好了。

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