Prepare documents and questions before requesting RESP withdrawals for school.
Une fois le bénéficiaire inscrit à un programme postsecondaire admissible, le loyer et les services publics près de l'école peuvent être des dépenses de PAE raisonnables parce qu'ils aident l'étudiant à fréquenter l'école.
Les PAE comprennent les subventions et la croissance et sont généralement imposables entre les mains de l'étudiant, tandis que les retraits de cotisations du souscripteur sont traités différemment.
Demandez au promoteur s'il considère ce bail comme raisonnable, quelle preuve il exige, et conservez le bail, les relevés de paiement et la ventilation PAE par rapport aux cotisations.
How to check this rule
Details that matter
Enrolment comes first
EAPs generally require eligible post-secondary enrolment and proof of enrolment.
Near-school housing
Rent tied to attending school is easier to support than housing disconnected from study.
Ask before withdrawing
Promoters may be more restrictive than the CRA examples, so confirm the process first.
Example
Example: A student rents a room near campus for the fall term. The family confirms enrolment, asks the promoter what tenancy proof it needs, and keeps the lease plus rent receipts with the EAP breakdown.
Questions to ask your provider
Would you treat this rent as a reasonable EAP expense?
What proof of enrolment and tenancy do you require?
Should rent come from EAPs, contribution withdrawals, or a mix in the first term?
Is there a monthly amount you would question without additional review?
Read next
Withdraw RESP money explains the broader decision and links to related tools.