Home Buyers’ Plan

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Is this guide for you?
2 @, g) F( n! r1 o  D1 P# r2 Y! b9 Y9 x, ]Use this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
What is the HBP?
" r8 Z. N. K0 y; \7 mThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
- p. }  T1 ~! x$ q5 C/ ^+ r4 E4 Sprogram sets out certain conditions for participation. If an
  i- N0 P+ }* Findividual meets all the applicable HBP conditions, the
( a/ d& e1 \$ P7 A9 [withdrawals will not have to be included in his or her
4 G  l& \- D. j; l2 v" Q. P6 z4 C) Lincome, and the RRSP issuer will not withhold tax on these
. I/ \- B, ?9 yamounts. If you buy a qualifying home with your spouse or
, ?1 ?0 S, w  fcommon-law partner, or with other individuals, each of
. r8 g- n  V5 ^: S  E( Xyou can withdraw up to $20,000.
. P# \0 N6 B: D+ V- ^Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
: x# U) v9 n) K" h" Krepay an amount to your RRSPs each year, starting the
: E2 u# m9 \" X' D. Q  p5 Vsecond year after the funds are withdrawn, until you have
( _" W; u) n' u) L" \+ E% Arepaid the total amount you withdrew. If you do not repay
% D* w8 n- |2 w7 D$ V5 U' O. E/ Ythe amount due for a year, it will have to be included in
your income for that year.

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