{"id":66974,"date":"2026-05-20T23:43:17","date_gmt":"2026-05-21T03:43:17","guid":{"rendered":"https:\/\/www.assur360.ca\/fhsa-2026-tax-free-home-savings-account-assur360\/"},"modified":"2026-05-22T00:44:26","modified_gmt":"2026-05-22T04:44:26","slug":"fhsa-2026-tax-free-home-savings-account-assur360","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/","title":{"rendered":"FHSA 2026 \u2014 Tax-Free Home Savings Account | Assur360"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#FHSA-2026-%E2%80%94-Tax-Free-Home-Savings-Account-Assur360\" >FHSA 2026 \u2014 Tax-Free Home Savings Account | Assur360<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#What-exactly-is-the-FHSA\" >What exactly is the FHSA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Are-you-eligible-for-an-FHSA\" >Are you eligible for an FHSA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#FHSA-Limits-2026-%E2%80%94-How-Much-to-Contribute\" >FHSA Limits 2026 \u2014 How Much to Contribute?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Case-in-point%E2%80%94Tax-savings-in-Quebec\" >Case in point\u2014Tax savings in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Where-to-open-an-FHSA-in-Quebec\" >Where to open an FHSA in Quebec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#FHSA-vs-TFSA-vs-RRSP-%E2%80%94-Which-is-better\" >FHSA vs TFSA vs RRSP \u2014 Which is better?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Frequently-asked-questions-about-FHSA\" >Frequently asked questions about FHSA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Related-pages-to-better-plan-your-purchase\" >Related pages to better plan your purchase<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"FHSA-2026-%E2%80%94-Tax-Free-Home-Savings-Account-Assur360\"><\/span>FHSA 2026 \u2014 Tax-Free Home Savings Account | Assur360<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FinancialProduct\",\"name\":\"CELIAPP \u2014 Compte d'\u00e9pargne libre d'imp\u00f4t pour l'achat d'une premi\u00e8re propri\u00e9t\u00e9\",\"description\":\"Compte d'\u00e9pargne enregistr\u00e9 qui combine les avantages fiscaux du REER (d\u00e9duction) et du CELI (retrait sans imp\u00f4t) pour les premiers acheteurs au Canada.\",\"provider\":{\"@type\":\"FinancialService\",\"name\":\"Assur360 \u2014 Comparateur financier\",\"url\":\"https:\/\/www.assur360.ca\/\"},\"feesAndCommissionsSpecification\":\"Aucun frais via Assur360\",\"interestRate\":\"Variable selon institution (1%-5%)\",\"areaServed\":{\"@type\":\"Country\",\"name\":\"Canada\"}}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\/celiapp\/\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/10\/logo-assur360.png\",\"telephone\":\"+1-866-357-4451\",\"priceRange\":\"$$\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\"areaServed\":{\"@type\":\"AdministrativeArea\",\"name\":\"Qu\u00e9bec\"},\"serviceType\":[\"CELIAPP\",\"Planification financi\u00e8re\",\"Assurance vie\",\"Comparateur \u00e9pargne\"]}\n<\/script>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">The <strong>FHSA (Tax-Free<\/strong> First Home Savings Account) is the most advantageous tax regime ever created in Canada for first-time buyers. Launched in 2023, it combines the <strong>tax deduction of the RRSP<\/strong> and the <strong>tax-free withdrawal of the TFSA<\/strong> \u2014 a unique winning duo for those who want to buy their first home or condo. Here&#8217;s everything you need to know in 2026, with examples in Quebec with figures.  <\/p>\n\n<figure class=\"wp-block-image alignright size-medium is-resized is-style-rounded\" style=\"max-width:380px;margin:8px 0 16px 24px;\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/05\/maison-quebec-vendue-assurance-hypothecaire.jpg\" alt=\"First home purchased with FHSA in Quebec\" class=\"wp-image-66883\" style=\"border-radius:12px;box-shadow:0 6px 20px rgba(13,31,45,0.12);width:380px;height:auto;max-width:100%;\"  sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\" style=\"text-align:center;color:#64748b;font-size:13px;font-style:italic;margin-top:8px;line-height:1.4;\">With the FHSA, you can accumulate your down payment while reducing your tax liability.<\/figcaption><\/figure>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">$8,000<\/div><div style=\"color:#64748b;font-size:13px;\">Annual cap<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">$40,000<\/div><div style=\"color:#64748b;font-size:13px;\">Lifetime cap<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">15 years<\/div><div style=\"color:#64748b;font-size:13px;\">Maximum duration<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">$0<\/div><div style=\"color:#64748b;font-size:13px;\">Tax on withdrawal*<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-exactly-is-the-FHSA\"><\/span>What exactly is the FHSA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\">The <strong>FHSA<\/strong> is a registered account of the Canadian federal government, accessible<sup>since April 1<\/sup> , 2023. It is specifically aimed at <strong>first-time home buyers<\/strong> and allows: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Tax deduction<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Every dollar contributed <strong>reduces your taxable income<\/strong> for the year, like an RRSP. Typical savings: 25 to 53% depending on your bracket. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Tax-free withdrawal<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If used for the purchase of a <strong>qualifying first home<\/strong>, the withdrawal of principal + interest is completely tax-free.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udcc8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Sheltered growth<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The <strong>returns generated<\/strong> (interest, <strong>dividends, capital gains) are never taxed<\/strong>, regardless of the amount.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Are-you-eligible-for-an-FHSA\"><\/span>Are you eligible for an FHSA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\">To open an FHSA in Quebec or elsewhere in Canada, you must meet the <strong>following 4 criteria<\/strong> :<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">1. Be 18 to 71 years old<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The minimum age is <strong>18 years old<\/strong> (19 years old in some provinces). The account must be closed in the year you turn 71. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">2. Canadian Resident<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">You must be a <strong>tax resident of Canada<\/strong> to open and contribute to the FHSA. Also available in Quebec. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">3. First-time buyer<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">You (or your spouse) <strong>have not lived in a principal residence that you owned<\/strong> in the last 4 calendar years.<\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">4. Purchase intent<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">You plan to buy a property in Canada <strong>within 15 years<\/strong> of opening the account.<\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FHSA-Limits-2026-%E2%80%94-How-Much-to-Contribute\"><\/span>FHSA Limits 2026 \u2014 How Much to Contribute?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:14px 16px;text-align:left;\">Year<\/th>\n<th style=\"padding:14px 16px;text-align:left;\">Annual<\/th>\n cap<th style=\"padding:14px 16px;text-align:left;\">Maximum possible stacking<\/th>            \n    <\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2023<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">8,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2024<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 (+ deferral)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$16,000<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2025<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 (+ deferral)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$24,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2026<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 (+ deferral)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$32,000<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2027<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 (+ Carry Forward)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$40,000 (MAX Lifetime)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Tip \u2014 postponable but limited<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Unlike the FHSA, the FHSA has a <strong style=\"color:#ffffff;\">maximum carry-forward limit of 1 year to $8,000<\/strong>. If you open your FHSA in 2026 without having contributed before, you can <strong style=\"color:#ffffff;\">only contribute $8,000<\/strong> in the first year (not $24,000 combined). <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Case-in-point%E2%80%94Tax-savings-in-Quebec\"><\/span>Case in point\u2014Tax savings in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\">Sarah, 28, lives in Montreal and earns <strong>$75,000\/year<\/strong>. She contributes <strong>$8,000<\/strong> to her FHSA in 2026. Here are its tax savings (QC marginal rate + combined federal ~38%):  <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:14px 16px;text-align:left;\">Element<\/th>\n      <th style=\"padding:14px 16px;text-align:right;\">Amount<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2026 FHSA Contribution $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;text-align:right;\">8,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Tax savings (38%)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;text-align:right;\">+$3,040<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">If 5 years of contribution max ($40,000)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;text-align:right;\">$40,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Total Tax Savings<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;text-align:right;\">+$15,200<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Estimated value with return 5%\/year<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;text-align:right;\">~$46,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Home Withdrawal (Tax-Free)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;text-align:right;\">~$46,000<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">CELIAPP + ASSURANCE VIE<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Prot\u00e9gez votre projet d&#8217;achat avec l&#8217;assurance vie<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Vous \u00e9pargnez pour acheter? L&#8217;assurance vie hypoth\u00e9caire prot\u00e8ge votre famille si l&#8217;impr\u00e9vu arrive avant.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Soumission vie gratuite<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Parler \u00e0 un conseiller<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Where-to-open-an-FHSA-in-Quebec\"><\/span>Where to open an FHSA in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\">Major financial institutions offer FHSAs in Quebec. Here are the most popular options in 2026, with their peculiarities: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83c\udfe6 Desjardins FHSA<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Available at the cash register or via Acc\u00e8sD. Fees depending on the account. Ideal for those who prefer local French-speaking support.  <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83d\udcbb Wealthsimple FHSA<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">100% online, with no brokerage fees. Ideal for those who want a passive portfolio (ETF) with minimal fees. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83c\udfe6 National Bank FHSA<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Available in store and online. Good choice for existing NBC customers. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83c\udfe6 FHSA other banks<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">BMO, RBC, TD, CIBC, Scotia also offer the FHSA. Compare the <strong>fees<\/strong> and the <strong>interest rate<\/strong> offered. <\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FHSA-vs-TFSA-vs-RRSP-%E2%80%94-Which-is-better\"><\/span>FHSA vs TFSA vs RRSP \u2014 Which is better?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:14px 16px;text-align:left;\">Criterion<\/th>\n      <th style=\"padding:14px 16px;text-align:center;\">FHSA<\/th>\n      <th style=\"padding:14px 16px;text-align:center;\">TFSA<\/th>\n      <th style=\"padding:14px 16px;text-align:center;\">RRSP<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Tax Deduction<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713 YES<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#ef4444;\">\u2717 NO<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">\u2713 YES<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Tax-free withdrawal<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713 (purchase of 1st<sup> property)<\/sup><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713 Always<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#ef4444;\">\u2717 Taxed on withdrawal<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2026 Annual Cap<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">$8,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">7,00018<\/td>% <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Revenue (max ~$33k)<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Restrictions on use<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;text-align:center;\">Purchase of property<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">None<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Ideal retirement (HBP possible)<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">For first-time buyer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605 (HBP)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#334155;line-height:1.7;text-align:center;font-style:italic;\"><a href=\"https:\/\/www.assur360.ca\/celiapp-vs-celi-vs-reer\/\">\u2192 Voir le comparatif complet CELIAPP vs CELI vs REER<\/a><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-FHSA\"><\/span>Frequently asked questions about FHSA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quelle est la diff\u00e9rence entre CELIAPP et RAP (R\u00e9gime d&#8217;accession \u00e0 la propri\u00e9t\u00e9)?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Le <strong>RAP<\/strong> permet d&#8217;emprunter \u00e0 son REER (max 60 000 $) pour acheter sa premi\u00e8re maison, \u00e0 rembourser sur 15 ans. Le <strong>CELIAPP<\/strong>, lui, n&#8217;a pas \u00e0 \u00eatre rembours\u00e9 \u2014 le retrait est d\u00e9finitif et sans imp\u00f4t. <strong>On peut combiner les deux<\/strong> pour cumuler jusqu&#8217;\u00e0 100 000 $ de mise de fonds (40 000 $ CELIAPP + 60 000 $ RAP).<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Que se passe-t-il si je n&#8217;ach\u00e8te pas de propri\u00e9t\u00e9?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Vous avez <strong>15 ans<\/strong> \u00e0 partir de l&#8217;ouverture du CELIAPP, ou jusqu&#8217;\u00e0 vos 71 ans (le plus t\u00f4t des deux), pour acheter. Sinon, vous pouvez <strong>transf\u00e9rer le solde dans votre REER sans p\u00e9nalit\u00e9<\/strong> (ne fait pas r\u00e9duire vos droits REER). Ou retirer en payant l&#8217;imp\u00f4t sur le montant.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Peut-on cotiser au CELIAPP de son conjoint?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Non. <strong>Chaque personne doit ouvrir son propre CELIAPP<\/strong>. Mais si vous achetez ensemble, vous pouvez chacun avoir un CELIAPP \u2014 <strong>donc 80 000 $ combin\u00e9s pour un couple<\/strong>. Conseil : ouvrez les deux d\u00e8s que possible pour maximiser le report.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quel taux d&#8217;int\u00e9r\u00eat offrent les institutions sur le CELIAPP?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Le taux varie selon l&#8217;institution et le produit choisi. <strong>Compte d&#8217;\u00e9pargne CELIAPP<\/strong> : 1-3 % typique chez les grandes banques, jusqu&#8217;\u00e0 4-5 % en promotion. <strong>CELIAPP placement (ETF, fonds, actions)<\/strong> : rendement potentiel 5-8 %\/an mais avec volatilit\u00e9. Wealthsimple offre souvent les meilleurs taux purement \u00e9pargne.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quel CELIAPP choisir : compte d&#8217;\u00e9pargne ou placement?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Si vous pr\u00e9voyez acheter <strong>dans moins de 3 ans<\/strong> : choisissez un <strong>compte d&#8217;\u00e9pargne CELIAPP<\/strong> (capital prot\u00e9g\u00e9, taux d&#8217;int\u00e9r\u00eat pr\u00e9visible). Si vous pr\u00e9voyez acheter <strong>dans 5-15 ans<\/strong> : optez pour un <strong>CELIAPP placement<\/strong> avec ETF diversifi\u00e9s \u2014 le potentiel de rendement compense la volatilit\u00e9 sur cet horizon.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">CELIAPP au Qu\u00e9bec \u2014 y a-t-il des diff\u00e9rences fiscales?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Le CELIAPP est un r\u00e9gime <strong>f\u00e9d\u00e9ral<\/strong>, mais le Qu\u00e9bec reconna\u00eet la d\u00e9duction d&#8217;imp\u00f4t sur le plan provincial \u2014 vous obtenez donc la <strong>double d\u00e9duction<\/strong> (f\u00e9d\u00e9rale + qu\u00e9b\u00e9coise). C&#8217;est une excellente nouvelle : \u00e9conomies fiscales de 38-53 % selon votre tranche, sup\u00e9rieures \u00e0 celles des autres provinces.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Comment retirer mon CELIAPP pour acheter une maison?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Au moment de l&#8217;achat, vous remplissez le <strong>formulaire RC725<\/strong> (ARC) et pr\u00e9sentez votre <strong>convention d&#8217;achat<\/strong> sign\u00e9e. L&#8217;institution financi\u00e8re fait le retrait libre d&#8217;imp\u00f4t et vous l&#8217;envoie. Vous avez ensuite <strong>jusqu&#8217;au 1<sup>er<\/sup> octobre de l&#8217;ann\u00e9e suivante<\/strong> pour acqu\u00e9rir la propri\u00e9t\u00e9.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quelle protection avoir avec mon CELIAPP?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Au-del\u00e0 de l&#8217;\u00e9pargne, deux protections sont strat\u00e9giques : (1) une <strong><a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\">assurance vie temporaire<\/a><\/strong> couvrant le futur pr\u00eat hypoth\u00e9caire (souvent moins ch\u00e8re que celle de la banque), et (2) une <strong><a href=\"https:\/\/www.assur360.ca\/assurance-invalidite\/\">assurance invalidit\u00e9<\/a><\/strong> pour prot\u00e9ger votre capacit\u00e9 \u00e0 continuer de cotiser et rembourser si vous \u00eates en arr\u00eat de travail.<\/div><\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre CELIAPP et RAP?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le RAP permet d'emprunter \u00e0 son REER (max 60 000$) \u00e0 rembourser sur 15 ans. Le CELIAPP ne s'a pas \u00e0 \u00eatre rembours\u00e9 \u2014 le retrait est d\u00e9finitif et sans imp\u00f4t. On peut combiner les deux pour cumuler 100 000$ de mise de fonds.\"}},{\"@type\":\"Question\",\"name\":\"Que se passe-t-il si je n'ach\u00e8te pas de propri\u00e9t\u00e9?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous avez 15 ans \u00e0 partir de l'ouverture du CELIAPP ou jusqu'\u00e0 vos 71 ans pour acheter. Sinon, vous pouvez transf\u00e9rer le solde dans votre REER sans p\u00e9nalit\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Peut-on cotiser au CELIAPP de son conjoint?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Chaque personne doit ouvrir son propre CELIAPP. Mais un couple peut avoir 80 000$ combin\u00e9s pour l'achat d'une propri\u00e9t\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"CELIAPP au Qu\u00e9bec \u2014 diff\u00e9rences fiscales?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le CELIAPP est f\u00e9d\u00e9ral, mais le Qu\u00e9bec reconna\u00eet la d\u00e9duction sur le plan provincial. Vous obtenez la double d\u00e9duction (38-53% selon tranche).\"}}]}\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-pages-to-better-plan-your-purchase\"><\/span>Related pages to better plan your purchase<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/celiapp-vs-celi-vs-reer\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">CELIAPP vs CELI vs REER<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Comparatif d\u00e9taill\u00e9 pour choisir le bon r\u00e9gime selon votre situation.<\/p><\/a>\n  <a href=\"\/comparer-regimes-epargne-fiscaux\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Simulateur r\u00e9gimes d&#8217;\u00e9pargne fiscaux<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Calculez l&#8217;optimal entre 6 r\u00e9gimes selon votre profil.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-hypothecaire\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance hypoth\u00e9caire<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Banque vs assurance vie personnelle : comparatif 2026.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance vie<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Prot\u00e9gez votre projet d&#8217;achat de maison d\u00e8s 18 $\/mois.<\/p><\/a>\n<\/div>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why use Assur360 to plan your FHSA?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner platform of <strong>AMF-certified<\/strong> firms<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner firms <strong>that are members of the Chambre de l&#8217;assurance<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\">Service in <strong>French in Quebec<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Services financiers\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"CELIAPP\",\"item\":\"https:\/\/www.assur360.ca\/celiapp\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>FHSA 2026 \u2014 Tax-Free Home Savings Account | Assur360 The FHSA (Tax-Free First Home Savings Account) is the most advantageous tax regime [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"FHSA 2026 \u2014 Limit, Withdrawal, Calculation | Complete Guide to Assur360","_seopress_titles_desc":"FHSA in Quebec: cap $8,000\/year, $40,000 for life, tax deduction + tax-free withdrawal. 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