Home Buyers’ Plan

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Is this guide for you?
) K6 H  q2 Z1 ]) {) r$ JUse this guide if you want information about the rules that
0 i8 {7 f% P0 m. X/ ~0 e2 happly to the Home Buyers’ Plan (HBP).
& A/ S8 }( g/ r9 y  u* c/ VWhat is the HBP?
The HBP is a program that allows you to withdraw up
( ]5 M5 G% j' H% e' [to $20,000 from your registered retirement savings plans
: Z- i" C/ s4 r; S(RRSPs) to buy or build a qualifying home. However, the
3 I0 d2 W" b  |( @  O3 `program sets out certain conditions for participation. If an
9 i, m) q! G5 E, `$ ~& {1 bindividual meets all the applicable HBP conditions, the
withdrawals will not have to be included in his or her
income, and the RRSP issuer will not withhold tax on these
6 d: U. a* ]+ ?, }amounts. If you buy a qualifying home with your spouse or
common-law partner, or with other individuals, each of
you can withdraw up to $20,000.
: _6 T: |9 V) a+ q4 L% z5 H& e9 tUnder the HBP, you have to repay all withdrawals to your
: W1 d5 ]- ^& h/ k+ W- |RRSPs within a 15-year period. Generally, you will have to
7 p2 v+ R+ {  N2 p, Qrepay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
& n2 P6 H8 l! {2 C7 c& Prepaid 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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