Home Buyers’ Plan

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Is this guide for you?
% W1 |$ }6 c# P+ ~6 \  t+ rUse this guide if you want information about the rules that
) ~4 S8 c% N9 y* o: @! _  R; vapply to the Home Buyers’ Plan (HBP).
4 D$ q5 U" h  n1 E6 p5 \0 kWhat is the HBP?
The HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
8 @, d) `: Y# t- r* J! ^" yprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
! R' C. Y/ f; C$ Q2 \withdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
" [, n# c# k0 E) k8 e0 B1 {/ ryou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
- L8 ~! h7 {; J# |3 y. {; Y" YRRSPs within a 15-year period. Generally, you will have to
. I/ l1 |) I6 y8 H  Mrepay an amount to your RRSPs each year, starting the
% a% n& I2 L# T  b9 m' c2 _0 v* dsecond year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
) F/ ]" M& i0 O+ h. qthe amount due for a year, it will have to be included in
3 y; E+ v* L/ I& H( S* I, [your income for that year.

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