Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
What is the HBP?
7 z" N7 _+ D; K) F1 CThe HBP is a program that allows you to withdraw up
8 p+ X" f" s4 m3 ?- I0 Gto $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
1 d9 g! N6 G7 ^+ i, tindividual meets all the applicable HBP conditions, the
4 i+ C5 J% {: r1 i) c/ q* |) ?* Zwithdrawals 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
3 O+ i) i( ~- j5 l. B: Oyou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
; S3 @. T3 a4 p: eRRSPs within a 15-year period. Generally, you will have to
5 Q9 I7 {) G9 {, W. t) g& @# c/ wrepay an amount to your RRSPs each year, starting the
  V$ a8 T  w1 s* b5 csecond year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
6 `: S, Q$ ]5 B- j5 _: Hthe amount due for a year, it will have to be included in
your income for that year.

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