Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
& }' W( R% m4 J8 Y) N' e& |& Tapply to the Home Buyers’ Plan (HBP).
. U# V, Q& q* Y$ ?4 J0 I! mWhat is the HBP?
, i) t( a6 l  }7 {- y! m$ _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
program sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
+ A7 r, ?2 c4 y2 R: Hincome, and the RRSP issuer will not withhold tax on these
amounts. If you buy a qualifying home with your spouse or
8 C: [1 W8 w+ Mcommon-law partner, or with other individuals, each of
( e+ `4 q; r+ ^+ w! L; ?you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
) A# w" y: T7 j5 E1 WRRSPs within a 15-year period. Generally, you will have to
; g. Z6 }: |3 \0 s; trepay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
8 w' U) d( W$ v! P3 d' l4 Vthe amount due for a year, it will have to be included in
your income for that year.

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