Home Buyers’ Plan

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Is this guide for you?
Use this guide if you want information about the rules that
9 f( f, A8 Q3 P0 `6 f+ E" bapply to the Home Buyers’ Plan (HBP).
What is the HBP?
& |7 X4 U2 P) k) N3 XThe HBP is a program that allows you to withdraw up
, E1 H2 {  u3 V" Sto $20,000 from your registered retirement savings plans
: c. `* l1 P+ x  T(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
. [1 l* i" C6 z/ _" S. R$ Findividual meets all the applicable HBP conditions, the
7 g) F  r/ T7 x- ~/ M' e8 e! owithdrawals will not have to be included in his or her
+ T; H0 H; ?; x+ R8 I  ]income, and the RRSP issuer will not withhold tax on these
+ `+ O: p  Y  l5 i0 mamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
5 H* ]0 l, w7 e7 o0 C; }$ eyou can withdraw up to $20,000.
6 g% v! D' D! i/ y9 t$ yUnder the HBP, you have to repay all withdrawals to your
, w; A6 U& i1 M+ C# O: o/ e: P7 KRRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
7 @5 b) j4 j! G! Vsecond year after the funds are withdrawn, until you have
repaid the total amount you withdrew. If you do not repay
the amount due for a year, it will have to be included in
your income for that year.

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