Home Buyers’ Plan

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Is this guide for you?
$ o3 _* \" y% I6 a" F' OUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
" i5 f) h' ]  n) c% u& CWhat is the HBP?
  K7 v3 C; s" F1 ^3 \' [The 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
: Q0 z' a, m& x4 e3 s3 tprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
9 G" r/ V1 N3 K7 F4 n2 Rwithdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
) z* U* ?" u5 [1 d9 ]) f' ]0 Jamounts. If you buy a qualifying home with your spouse or
9 W9 ]" n: u& _" ~5 pcommon-law partner, or with other individuals, each of
: g2 K6 a( P+ {* _you can withdraw up to $20,000.
6 p0 B% S, r4 `Under the HBP, you have to repay all withdrawals to your
: H! g/ s: }4 e* o  e; ?RRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
5 w$ N' m. ?6 u& Z! y+ ]% Vrepaid the total amount you withdrew. If you do not repay
! x0 k* g$ w) G- O! T- mthe amount due for a year, it will have to be included in
your income for that year.

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