{"id":10103,"date":"2023-03-21T09:52:16","date_gmt":"2023-03-21T14:52:16","guid":{"rendered":"https:\/\/www.djclegal.com\/?p=10103"},"modified":"2023-03-21T09:56:22","modified_gmt":"2023-03-21T14:56:22","slug":"the-new-tax-free-savings-account-for-first-time-home-buyers-tfsa","status":"publish","type":"post","link":"https:\/\/www.djclegal.com\/en\/the-new-tax-free-savings-account-for-first-time-home-buyers-tfsa\/","title":{"rendered":"The new Tax-Free Savings Account for First-Time Home Buyers (FHSA)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10103\" class=\"elementor elementor-10103 elementor-10077\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dceade elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dceade\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cc75515\" data-id=\"cc75515\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9753189 elementor-widget elementor-widget-text-editor\" data-id=\"9753189\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Written by Me <a href=\"https:\/\/www.djclegal.com\/notre-equipe\/anissa-yahiaoui\/\" target=\"_blank\" rel=\"noopener\">Anissa Yahiaoui<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24b3ff7 elementor-widget elementor-widget-spacer\" data-id=\"24b3ff7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf97b6d elementor-widget elementor-widget-heading\" data-id=\"cf97b6d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the FHSA?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9fa9cf0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9fa9cf0\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-49cde72\" data-id=\"49cde72\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98a3af6 elementor-widget elementor-widget-text-editor\" data-id=\"98a3af6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>The <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/registered-plans-administrators\/first-home-savings-account\/application-package.html\" target=\"_blank\" rel=\"noopener\">FHSA<\/a> is a new registered plan that will allow future homebuyers to save on a tax-free basis for their first home purchase. It will come into effect on April 1, 2023.<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01d8c56 elementor-widget elementor-widget-heading\" data-id=\"01d8c56\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is the maximum contribution amount?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8d1390 elementor-widget elementor-widget-text-editor\" data-id=\"f8d1390\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\">The contribution limit is <strong>$8,000 per year<\/strong> for a lifetime maximum of <strong>$40,000.<\/strong><\/p><p style=\"font-weight: 400;\">For 2023, however, it will be possible to contribute up to $8,000, regardless of when you open your FHSA in that year.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a46ac4d elementor-widget elementor-widget-text-editor\" data-id=\"a46ac4d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\">Also, the unused portion of the limit is added to the following year&#8217;s entitlement (for example, if you contribute $6,000 in 2023, you can contribute up to $10,000 in 2024).<\/p><p style=\"font-weight: 400;\">Under certain conditions, the amounts accumulated individually by each future homeowner can be pooled to purchase a first eligible home.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b144812 elementor-widget elementor-widget-heading\" data-id=\"b144812\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are the benefits of FHSA?\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cee8f5 elementor-widget elementor-widget-text-editor\" data-id=\"7cee8f5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Tax savings:<\/strong> the money contributed is eligible for a deduction, which will reduce taxable income for the current year and subsequent years.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3a05bf elementor-widget elementor-widget-text-editor\" data-id=\"f3a05bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Tax-free withdrawals:<\/strong> withdrawals for first-time home buyers, including investment income, will be tax-free.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-213eccc elementor-widget elementor-widget-text-editor\" data-id=\"213eccc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Tax-free transfers between registered plans: <\/strong>A transfer of funds from one FHSA to another FHSA, <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/registered-retirement-savings-plan-rrsp.html\" target=\"_blank\" rel=\"noopener\">RRSP<\/a> or <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/registered-retirement-income-fund-rrif.html\" target=\"_blank\" rel=\"noopener\">Registered Retirement Income Fund<\/a> (RRIF) would be possible on a tax-free basis. A transfer from an RRSP to a FHSA on a non-taxable basis would also be possible subject to the limit conditions and investment eligibility rules applicable to the FHSA.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88fc755 elementor-widget elementor-widget-heading\" data-id=\"88fc755\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Who is it for ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-433fbff elementor-widget elementor-widget-text-editor\" data-id=\"433fbff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\">You can open a FHSA account if:<\/p><ul><li style=\"font-weight: 400;\">You are an individual;<\/li><li style=\"font-weight: 400;\"><span style=\"font-size: 1rem;\">You are a resident of Canada;<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-size: 1rem;\">You are at least 18 years old;<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-size: 1rem;\">You or your spouse did not own a home in which you lived at any time during the part of the calendar year preceding the opening of the FHSA or at any time during the four preceding calendar years.<\/span><\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41b88fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41b88fe\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b35190\" data-id=\"6b35190\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eed4419 elementor-widget elementor-widget-text-editor\" data-id=\"eed4419\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\">A share in a co-operative housing corporation that entitles the taxpayer to own (not rent) a housing unit located in Canada and to hold an equity interest in it would qualify.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9a44dd elementor-widget elementor-widget-heading\" data-id=\"e9a44dd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are qualified investments ? <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b4156b elementor-widget elementor-widget-text-editor\" data-id=\"9b4156b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\">The definitions of &#8220;qualified investment&#8221;, &#8220;non-qualified investment&#8221; and &#8220;prohibited investment&#8221; within the FHSA are the same as for the RRSP and <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/tax-free-savings-account.html\" target=\"_blank\" rel=\"noopener\">TFSA<\/a>.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce96d61 elementor-widget elementor-widget-heading\" data-id=\"ce96d61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are eligible withdrawals ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8765a03 elementor-widget elementor-widget-text-editor\" data-id=\"8765a03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\">The following conditions must be met:<\/p><ul><li style=\"font-weight: 400;\">Be a first-time home buyer at the time of withdrawal;<\/li><li style=\"font-weight: 400;\"><span style=\"font-size: 1rem;\">Have a written agreement to purchase or construct a qualifying home before October 1 of the year following the year of withdrawal;<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-size: 1rem;\">Intend to occupy the qualifying home as a principal residence within one year of purchase or construction;<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-size: 1rem;\">The housing unit must be located in Canada.<\/span><\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7d697b elementor-widget elementor-widget-text-editor\" data-id=\"d7d697b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\">A withdrawal remains eligible if it is made within 30 days of the individual moving into the home.<\/p><p style=\"font-weight: 400;\">To make a qualifying withdrawal, an application to their FHSA issuer will need to be made by the taxpayer to confirm eligibility.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7357a8 elementor-widget elementor-widget-heading\" data-id=\"f7357a8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are the limits ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6dc329 elementor-widget elementor-widget-text-editor\" data-id=\"f6dc329\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Limits on the amount that can be contributed:<\/strong> A 1% tax on over-contributions applies each month on the excess. This penalty can be eliminated by withdrawing the over-contributed amount. Otherwise, the amount over-contributed is deducted from the following year&#8217;s contribution limit.<\/p><p style=\"font-weight: 400;\">Note that while an individual may have more than one FHSA, the limits (annual and lifelong) are calculated on the total amount contributed to all accounts.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06b4691 elementor-widget elementor-widget-text-editor\" data-id=\"06b4691\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Limits on holding period and age of beneficiary<\/strong>: your FHSA must be closed by December 31 of the year you turn 71 or by the 15th anniversary of the opening of your first FHSA.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f651162 elementor-widget elementor-widget-text-editor\" data-id=\"f651162\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\">You can then choose to :<\/p><ul><li style=\"font-weight: 400;\"><u>transfer<\/u> the accumulated funds to an RRSP or RRIF, without affecting your RRSP contribution room and without paying taxes in the year of the transfer,<\/li><\/ul><p style=\"font-weight: 400;\">or<\/p><ul><li style=\"font-weight: 400;\"><u>withdraw<\/u> the accumulated funds, but the tax on this amount will have to be paid.<\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7724489 elementor-widget elementor-widget-text-editor\" data-id=\"7724489\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Limits on contributions and who can deduct:<\/strong> It is not possible to contribute directly to another person&#8217;s FHSA. However, the FHSA holder will be able to contribute with money provided by another person. In all cases, only the FHSA holder can claim deductions for contributions made to their account.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1d1a6 elementor-widget elementor-widget-text-editor\" data-id=\"5c1d1a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Non-Resident limit<\/strong>: Taxpayers would be able to make contributions to their existing FHSAs after emigrating from Canada but would not be able to make a qualifying withdrawal as a non-resident. The taxpayer must be a resident of Canada at the time of the withdrawal and until a qualifying home is purchased or constructed. Withdrawals by non-residents would be subject to withholding tax.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab54cba elementor-widget elementor-widget-text-editor\" data-id=\"ab54cba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Limit on borrowing to invest in a FHSA:<\/strong> Like interest expense paid on a loan to make a contribution to an RRSP or TFSA, interest expense paid to contribute to a FHSA is not deductible.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb13774 elementor-widget elementor-widget-text-editor\" data-id=\"fb13774\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Bankruptcy:<\/strong> In the event of bankruptcy, unlike the unseizability of certain RRSPs, the FHSA would not have this feature.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b23a31b elementor-widget elementor-widget-heading\" data-id=\"b23a31b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Can it be combined with the HBP ? <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e03a531 elementor-widget elementor-widget-text-editor\" data-id=\"e03a531\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p style=\"font-weight: 400;\">Yes, both the FHSA and the Home Buyers&#8217; Plan (<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/what-home-buyers-plan.html\" target=\"_blank\" rel=\"noopener\">HBP<\/a>) can be withdrawn for the same qualifying home.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-722128e elementor-widget elementor-widget-spacer\" data-id=\"722128e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b893b3 elementor-widget elementor-widget-text-editor\" data-id=\"6b893b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fc2cce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fc2cce\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa8552c\" data-id=\"aa8552c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e028e3 elementor-widget elementor-widget-text-editor\" data-id=\"3e028e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<div><b><u><span lang=\"EN-CA\">Summary Table<\/span><\/u><\/b><strong> \u00b9<\/strong><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4f5d09 elementor-widget elementor-widget-image\" data-id=\"e4f5d09\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"509\" src=\"https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.50.12-1024x509.png\" class=\"attachment-large size-large wp-image-10111\" alt=\"\" srcset=\"https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.50.12-1024x509.png 1024w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.50.12-300x149.png 300w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.50.12-768x381.png 768w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.50.12-1536x763.png 1536w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.50.12-2048x1017.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80a7168 elementor-widget elementor-widget-image\" data-id=\"80a7168\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"717\" src=\"https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.03-1024x717.png\" class=\"attachment-large size-large wp-image-10113\" alt=\"\" srcset=\"https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.03-1024x717.png 1024w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.03-300x210.png 300w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.03-768x537.png 768w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.03-1536x1075.png 1536w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.03-2048x1433.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb6fc7 elementor-widget elementor-widget-image\" data-id=\"3fb6fc7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"496\" src=\"https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.49-1024x496.png\" class=\"attachment-large size-large wp-image-10115\" alt=\"\" srcset=\"https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.49-1024x496.png 1024w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.49-300x145.png 300w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.49-768x372.png 768w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.49-1536x744.png 1536w, https:\/\/www.djclegal.com\/wp-content\/uploads\/2023\/03\/Capture-decran-le-2023-03-21-a-10.51.49-2048x992.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-422b8c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"422b8c0\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c021935\" data-id=\"c021935\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7d9f1a elementor-widget elementor-widget-text-editor\" data-id=\"c7d9f1a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>\u00b9 <a href=\"https:\/\/cffp.recherche.usherbrooke.ca\/les-parametres-du-nouveau-compte-depargne-libre-dimpot-pour-lachat-dune-premiere-propriete-celiapp\/\" target=\"_blank\" rel=\"noopener\">Luc GODBOUT et Natalie HOTTE (2023), Les param\u00e8tres du nouveau compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (C\u00c9LIAPP) &#8211; <span style=\"color: var( --e-global-color-text );\">Cahier de recherche no 2023-01, Universit\u00e9 de Sherbrooke, Chaire de recherche en fiscalit\u00e9 et en finances publiques, 19 p.<\/span><\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The FHSA is a new registered plan that will allow future homebuyers to save on a tax-free basis for their first home purchase. It will come into effect on April 1, 2023.<\/p>\n","protected":false},"author":2,"featured_media":10100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[39],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The new Tax-Free Savings Account for First-Time Home Buyers (FHSA) - DJC Legal<\/title>\n<meta name=\"description\" content=\"The FHSA will allow future homebuyers to save on a tax-free basis for their first home purchase. 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