Home Buyers’ Plan

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Is this guide for you?
7 e* p. m: |6 ~7 w# s' ]4 f3 r/ lUse this guide if you want information about the rules that
: h7 v3 }4 S% r# U: h' U! sapply to the Home Buyers’ Plan (HBP).
) W7 m6 f! @. a) mWhat is the HBP?
& E/ z- B) H0 \# ?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
+ u' u: d- s% Z& q% c6 vprogram sets out certain conditions for participation. If an
individual meets all the applicable HBP conditions, the
9 N  ?, x, B, |3 e" D- e/ iwithdrawals will not have to be included in his or her
8 I* `! T9 t+ ~, l( J" T* M  nincome, and the RRSP issuer will not withhold tax on these
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.
Under the HBP, you have to repay all withdrawals to your
RRSPs within a 15-year period. Generally, you will have to
$ k% T+ t" q& l, l- Krepay an amount to your RRSPs each year, starting the
2 {6 L3 w6 i: U" B. jsecond year after the funds are withdrawn, until you have
; ]9 e6 L2 l4 N% t7 u4 Vrepaid the total amount you withdrew. If you do not repay
) P; ?/ i: \9 x- E& L) Hthe amount due for a year, it will have to be included in
) K6 g* B2 w. W) |2 R3 u8 \your income for that year.

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