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来美国一年了,加拿大的 home buyer's plan 如何处理?

各位前辈,
小弟来美国一年多了,去年申请了non-residence, 当然今年也没报加拿大的税。但是我这里有一个关于 home buyer's plan (就是拿 RRSP 交房子首期)的问题,

三月我收到了Canada Revenue Agency 的 non-residence confirmation 信, 上面的一段话让我吓了一跳。

If you participated in the home buyer's plan before leaving Canada, you must repay the balance of the funds you withdrew under the plan by the earlier of:

- the date you file your income tax return for the year you let;

- 60 days after you become a non-resident.

if you have not repaid the funds with that time, you have to include all unpaid amounts as income on your return for the year you left Canada.

这段话象是standard letter

我2005年拿home buyer's plan 买了房,去美国前把房子卖了,那封信寄来时, 60天期限早过了。这钱如何还? 不还会怎样?不报income 会怎样? 不知道有没有人有相同经历, 谢谢, 不盛感激!
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Replies, comments and Discussions:

  • 枫下茶话 / 美国话题 / 来美国一年了,加拿大的 home buyer's plan 如何处理?
    各位前辈,
    小弟来美国一年多了,去年申请了non-residence, 当然今年也没报加拿大的税。但是我这里有一个关于 home buyer's plan (就是拿 RRSP 交房子首期)的问题,

    三月我收到了Canada Revenue Agency 的 non-residence confirmation 信, 上面的一段话让我吓了一跳。

    If you participated in the home buyer's plan before leaving Canada, you must repay the balance of the funds you withdrew under the plan by the earlier of:

    - the date you file your income tax return for the year you let;

    - 60 days after you become a non-resident.

    if you have not repaid the funds with that time, you have to include all unpaid amounts as income on your return for the year you left Canada.

    这段话象是standard letter

    我2005年拿home buyer's plan 买了房,去美国前把房子卖了,那封信寄来时, 60天期限早过了。这钱如何还? 不还会怎样?不报income 会怎样? 不知道有没有人有相同经历, 谢谢, 不盛感激!
    • 成为non-resident 后,HBP的balance是要马上还的。就是买RRSP,在税表上注明HBP. 我就是2007报税还清了的。