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).
What is the HBP?
6 Y% _( h, W( Z+ e4 x4 L. ^The HBP is a program that allows you to withdraw up
4 x) w& X7 }4 r: P* S9 @8 C- Hto $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
! M, p# C9 a) a% bwithdrawals will not have to be included in his or her
* G) T+ X" @( W7 z& c6 Yincome, and the RRSP issuer will not withhold tax on these
; ^% A  \# k. Y. namounts. If you buy a qualifying home with your spouse or
! @* C- p0 r/ ^- R, z( H8 Hcommon-law partner, or with other individuals, each of
. L& s  y0 s& [you can withdraw up to $20,000.
0 [0 I0 [  n# X; A" {  n1 m, DUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
  S; R) h# E2 a: G8 Xsecond year after the funds are withdrawn, until you have
* ~1 r4 T/ D$ Y. wrepaid the total amount you withdrew. If you do not repay
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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