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Is this guide for you?; G) O- ]$ s# [& @0 `
Use this guide if you want information about the rules that5 u' d5 `; G3 l% v" [8 H" ?9 P
apply to the Home Buyers’ Plan (HBP).
6 [9 P+ u. T$ f9 p& R$ _What is the HBP?
# G# |7 ]9 \: S. k" E# J, eThe HBP is a program that allows you to withdraw up
7 G" {% h, z% }4 D7 T C: g$ h2 ~* _to $20,000 from your registered retirement savings plans6 Y4 z' }. A% S# K" {2 I7 p8 N
(RRSPs) to buy or build a qualifying home. However, the
8 |2 D6 |6 r) }program sets out certain conditions for participation. If an
4 w, C. E/ |+ b, H. \4 l0 ~individual meets all the applicable HBP conditions, the
$ k5 r; e& Y wwithdrawals will not have to be included in his or her
4 L) P, T9 A4 y. k6 D4 _! aincome, and the RRSP issuer will not withhold tax on these
; p1 i; ^8 J7 f/ p9 i) o& uamounts. If you buy a qualifying home with your spouse or
! c3 C+ r6 H& @% w! U- T3 S7 Tcommon-law partner, or with other individuals, each of
3 C/ J, a& r+ Vyou can withdraw up to $20,000.
0 W7 r7 c; o: x+ iUnder the HBP, you have to repay all withdrawals to your. s. T0 Z# b/ b: G# K
RRSPs within a 15-year period. Generally, you will have to
( i7 M% K* p$ C9 G; h. N! K8 q- |- mrepay an amount to your RRSPs each year, starting the
5 s O. |, S' Q5 ksecond year after the funds are withdrawn, until you have
0 K' z- F+ E- ^1 `- u; Brepaid the total amount you withdrew. If you do not repay5 v0 d9 }. G: n0 ]3 |3 S% U! k
the amount due for a year, it will have to be included in
6 d' |# P+ A$ t3 O5 c3 `3 qyour income for that year. |
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