Home Buyers’ Plan

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Is this guide for you?
$ k3 P# Z/ j4 v( q" NUse this guide if you want information about the rules that
: P' M& y& k7 ?1 tapply to the Home Buyers’ Plan (HBP).
* x! Q3 F2 V; [' T# [- ^* E  wWhat is the HBP?
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
7 A' t+ P  s# i5 y% P* Q# \) Lprogram sets out certain conditions for participation. If an
+ m4 j! [+ d* Q# v( Xindividual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
  k( u! H8 t# q$ g( y$ F& @income, and the RRSP issuer will not withhold tax on these
. w1 I2 d/ x1 Z& f) C+ t: jamounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
* D  o+ ~- p$ X. }. U1 E0 ?you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
7 ]! l, w2 y# x$ MRRSPs within a 15-year period. Generally, you will have to
4 k  e! J3 [* K; R0 c9 a0 Crepay an amount to your RRSPs each year, starting the
  f; ^$ O. Z+ T/ |second year after the funds are withdrawn, until you have
) v3 x( x# Z* E5 I! D! s# R* L& c3 brepaid the total amount you withdrew. If you do not repay
& O! n; O8 O. h2 vthe amount due for a year, it will have to be included in
your income for that year.

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