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).
What is the HBP?
$ h$ o* N; \, }5 C9 x8 I* l; ]5 lThe HBP is a program that allows you to withdraw up
to $20,000 from your registered retirement savings plans
(RRSPs) to buy or build a qualifying home. However, the
program sets out certain conditions for participation. If an
2 B- z. j6 J$ n9 s; j! M' dindividual meets all the applicable HBP conditions, the
! v: o* u) B! v( U. `7 X( {withdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
. a- ^) s+ q; famounts. If you buy a qualifying home with your spouse or
2 p0 B8 x9 h$ N3 E1 D+ O- A9 V0 Q4 ^common-law partner, or with other individuals, each of
7 }4 v+ f% T$ _5 {" l+ Z( Cyou can withdraw up to $20,000.
9 ~* P( J! m" O; q  F2 D, GUnder the HBP, you have to repay all withdrawals to your
/ O' C3 C+ ?1 X5 }RRSPs within a 15-year period. Generally, you will have to
- r# X4 a8 l; c- erepay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have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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