Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
; I2 j3 x: j  N" T/ U8 W# bapply to the Home Buyers’ Plan (HBP).
: {4 o: b% s* R3 Y9 H  H! B& ^( k9 SWhat is the HBP?
0 _8 ?. m& Z) |; V$ E" q, a) N" ^The HBP is a program that allows you to withdraw up
& v, R8 Q7 R; S, _5 b  Xto $20,000 from your registered retirement savings plans
4 o0 u4 \  n( v" R(RRSPs) to buy or build a qualifying home. However, the
( I" I5 ?5 @7 n. x) ~6 uprogram sets out certain conditions for participation. If an
  d8 B  k) a6 v2 i6 }individual meets all the applicable HBP conditions, the
/ b. Q0 y4 c* A8 ^" ?( ewithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
0 m; d5 O; `& W3 @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.
7 M( [% c8 p& g+ _, |Under 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
; P; x% f9 C" k+ z. tsecond year after the funds are withdrawn, until you have
4 G# c% T3 X* i8 srepaid the total amount you withdrew. If you do not repay
4 Y, ^  R  \4 l. O5 J7 p& a2 ~: h; Ithe amount due for a year, it will have to be included in
% t; ^+ d0 p' o0 L) W6 @your income for that year.

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再详细一点就好了。

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