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).
4 u# m* Z9 C7 w+ H7 O# {2 sWhat is the HBP?
The HBP is a program that allows you to withdraw up
2 S; Z9 T; A7 B# |2 u4 A3 w% Oto $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
5 V& v/ c( _- t  k" nprogram 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
% j/ p: {* D) j" I, ]9 Gincome, and the RRSP issuer will not withhold tax on these
, ]9 K5 Q1 s& a# t/ tamounts. If you buy a qualifying home with your spouse or
% D6 y9 ~' }8 \% Y5 f8 {. H/ ?4 e' Ccommon-law partner, or with other individuals, each of
- v2 u+ X7 _9 q- d" hyou can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
: r$ w5 u/ O8 O  zrepaid the total amount you withdrew. If you do not repay
; T9 V# Q$ D% `) _0 c* I6 Tthe amount due for a year, it will have to be included in
your income for that year.

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