Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
4 e2 N3 B2 y3 U' |apply to the Home Buyers’ Plan (HBP).
- a. n, E2 t  Z: u" J- N$ yWhat is the HBP?
The HBP is a program that allows you to withdraw up
3 y: V, g/ s! E' rto $20,000 from your registered retirement savings plans
/ q7 v$ G, K1 l  t" b(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
& ~$ A; i& r; h9 x( Z& s6 Gincome, and the RRSP issuer will not withhold tax on these
9 R# |3 N6 {6 |2 T. Kamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
- \; d4 h- p. yyou can withdraw up to $20,000.
% N9 ^. V2 M# F! i% ?- yUnder the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
. ^% Y  O  ]/ t0 k1 Trepay an amount to your RRSPs each year, starting the
- m! ~2 K3 \) r5 T+ usecond year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
% p, v1 m* e2 lthe amount due for a year, it will have to be included in
1 o7 A& J8 g, q6 c# |your income for that year.

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