Home Buyers’ Plan

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Is this guide for you?
' s/ {1 _: w5 G  F8 O: KUse this guide if you want information about the rules that
apply to the Home Buyers’ Plan (HBP).
; ^7 D/ o. k  C# r' s9 gWhat is the HBP?
1 v+ H, i& [+ B1 UThe HBP is a program that allows you to withdraw up
' E. Y# p. J' uto $20,000 from your registered retirement savings plans
1 _5 y* V( k( r$ G: e9 [5 y(RRSPs) to buy or build a qualifying home. However, the
# t! k! e7 i' Q% ^  P5 [program sets out certain conditions for participation. If an
individual 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
' o4 o4 ^0 v# \. s2 K! `amounts. If you buy a qualifying home with your spouse or
" R2 x8 x/ I0 B  e1 Bcommon-law partner, or with other individuals, each of
% R; o; f0 E& Z2 \you can withdraw up to $20,000.
Under the HBP, you have to repay all withdrawals to your
8 b) D1 f# \+ Q% Y; w# O3 S- RRRSPs within a 15-year period. Generally, you will have to
repay an amount to your RRSPs each year, starting the
second year after the funds are withdrawn, until you have
. ]3 Z& `8 K$ i! b4 v7 m+ brepaid the total amount you withdrew. If you do not repay
3 X: O5 ~3 ]. H& \8 e- r6 sthe amount due for a year, it will have to be included in
your income for that year.

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