Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
) P; b0 W, U1 L& g6 happly to the Home Buyers’ Plan (HBP).
% T* H: u& y9 pWhat is the HBP?
, A, o1 Q5 G1 D" L9 WThe 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
! ?% r7 I9 Z8 I9 i# {income, and the RRSP issuer will not withhold tax on these
' I; i, }3 \8 r3 {; [: mamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
: j# s) C; k( ]; Gyou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
6 o% W+ q  Q" mRRSPs within a 15-year period. Generally, you will have to
* i5 Z, i7 E6 Zrepay an amount to your RRSPs each year, starting the
7 Z) i" v7 A! r+ J9 b/ Tsecond year after the funds are withdrawn, until you have
+ P* [8 P4 H" f3 b% o, z- Y9 [repaid the total amount you withdrew. If you do not repay
$ l( C& S3 v8 o( b% @the amount due for a year, it will have to be included in
! S5 z$ Z( v0 s* w. \9 `2 D  p' m5 Eyour income for that year.

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