Home Buyers’ Plan

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Is this guide for you?
4 H6 r5 H/ V( J) G' u. W; }% b  tUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
What is the HBP?
The HBP is a program that allows you to withdraw up
  F% P  h: L! P9 oto $20,000 from your registered retirement savings plans
: ^) [+ w' a5 u2 [4 }; f% v% ](RRSPs) to buy or build a qualifying home. However, the
) p9 U7 m' ~: U! V2 ^program sets out certain conditions for participation. If an
& Q# o/ h/ j% ^' }individual meets all the applicable HBP conditions, the
1 s" f! x. U( U8 Q; E; N& [withdrawals will not have to be included in his or her
9 @4 y, l. K' \. k* O+ Uincome, and the RRSP issuer will not withhold tax on these
  F3 e' C0 u9 Y7 T* s7 Xamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
5 _9 p- H( m) W! s$ Y+ }, Q" \you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
' O& t2 Z8 N' _3 QRRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
8 n! z( E. A8 p8 C( vsecond year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
( t6 j# {, ]0 {the amount due for a year, it will have to be included in
your income for that year.

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