$60,000
每人最高提取
Per Person Maximum
$120,000
每对夫妇最高
Per Couple Maximum
15年
偿还期限
Repayment Period
从RRSP中免税提取资金支付首付，15年内偿还。提取的资金在第二年3月1日前无需缴税。
Withdraw from your RRSP tax-free for a down payment, repay within 15 years. Withdrawals are tax-free if repaid to your RRSP within the required timeframe.
资格要求 · Eligibility
首次购房者，或过去4年未拥有自住房
First-time buyer or haven't owned a home in the last 4 years
资金在RRSP账户中至少存满90天
Funds must be in your RRSP for at least 90 days
购买自住房，并在购房后1年内入住
Buy a qualifying home and occupy within 1 year
填写HBP申请表(T1036)
Complete HBP request form T1036
HBP提取计算器
HBP Withdrawal Calculator
$
$
您可提取的最高金额
Your Maximum Withdrawal
$60,000
配偶可提取的最高金额
Spouse's Maximum Withdrawal
$45,000
家庭总计可提取
Total Household Withdrawal
$105,000
* 每人最高$60,000，家庭最高$120,000 · Max $60,000 per person, $120,000 per household
偿还计划 · Repayment Schedule 基于$60,000提取额 · Based on $60,000 withdrawal
| 年份 | 最低年偿还额 | 剩余余额 |
|---|---|---|
| 第1年 | $4,000 | $56,000 |
| 第2年 | $4,000 | $52,000 |
| 第3年 | $4,000 | $48,000 |
| 第4年 | $4,000 | $44,000 |
| 第5年 | $4,000 | $40,000 |
| 第6年 | $4,000 | $36,000 |
| 第7年 | $4,000 | $32,000 |
| 第8年 | $4,000 | $28,000 |
| 第9年 | $4,000 | $24,000 |
| 第10年 | $4,000 | $20,000 |
| 第11年 | $4,000 | $16,000 |
| 第12年 | $4,000 | $12,000 |
| 第13年 | $4,000 | $8,000 |
| 第14年 | $4,000 | $4,000 |
| 第15年 | $4,000 | $0 |
常见问题 · FAQ
如果我无法按时偿还HBP会怎样？
What happens if I miss an HBP repayment?
+
未偿还的金额将被计入当年收入，需要缴纳所得税。您仍然可以继续偿还剩余年份的款项。
The missed amount will be added to your annual income and subject to income tax. You can continue making repayments for remaining years.
我可以提前还清HBP吗？
Can I repay HBP early?
+
可以，您可以随时偿还超出最低要求的金额。提前偿还不影响您未来的RRSP额度。
Yes, you can repay more than the minimum required at any time. Early repayment does not affect your future RRSP contribution room.
HBP资金需要全部来自同一个RRSP账户吗？
Do HBP funds need to come from a single RRSP account?
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不需要，您可以从多个RRSP账户中提取资金，只要总额不超过限额。
No, you can withdraw from multiple RRSP accounts as long as the total doesn't exceed the limit.