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When saving for Down payment, instead of opening an RRSP, open an FHSA first and use your $8,000 annual contribution room. Contributions are Tax-Deductible and withdrawals are Tax-free with no obligation to pay it back. If you still have more to contribute, then put that extra in RRSP and take advantage of Home Buyers Plan as you can combine the benefits of both programs. Additionally, you can contribute In FHSA and withdraw from it the same day as it doesn't have any hold off period. Whereas to
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