Home Buyers’ Plan

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Is this guide for you?
( q  W4 q5 X, `( ^/ tUse this guide if you want information about the rules that
& H& M! U$ r! x0 i) c& vapply to the Home Buyers’ Plan (HBP).
/ |9 V+ |9 z& ^2 ~% ]4 |7 q4 gWhat is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
" J, i( ]2 E+ M5 o( G(RRSPs) to buy or build a qualifying home. However, the
  o8 p" b0 K0 e7 mprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
/ l& I* ]6 I& V1 c- k: Z8 kwithdrawals will not have to be included in his or her
3 ]+ E  O/ d8 V9 c" P  _' x6 |income, and the RRSP issuer will not withhold tax on these
, U' S4 E3 B% i3 p  i' _6 r% r4 wamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
" d, R! J9 c3 ]' h$ aRRSPs within a 15-year period. Generally, you will have to
! W7 l" d* X# \5 R8 [' s+ |repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
) `7 @" D% i; cthe amount due for a year, it will have to be included in
9 X' }! B; S5 `1 _) _( A) Vyour income for that year.

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再详细一点就好了。

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