To qualify for the Home Buyers' Plan (HBP), a buyer must: be a Canadian resident, be considered a first-time home buyer, have a written agreement to purchase or build a qualifying home in Canada, and intend to occupy the home as their principal residence within one year of purchase; essentially meaning they cannot have owned a primary residence within the past four years and must use the purchased home as their primary residence. ???????
- First-time home buyer: This is the primary requirement, meaning you cannot have owned a principal residence within the last four years.
- Canadian residency: You must be a resident of Canada at the time of withdrawal and throughout the home buying process.
- Written agreement: You need a signed contract to purchase or build a qualifying home.
- Principal residence: The purchased property must be intended as your primary place of residence.
- Withdrawal limits: There is a maximum withdrawal amount that can be taken from your RRSP under the HBP.
- Repayment period: You must repay the withdrawn amount within 15 years.
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