An essential element of your retirement savings
File size : 1.80 MB - Last update : 24 June 2022
Also available in file : French
Keywords: Retraite/ Prévoyance/ Epargne 3/ Amortissement/ Placement
With our Epargne 3 savings account, you can save up for retirement, a new house, or to become self-employed – all while reducing your tax bill.
The variable interest rate on our Epargne 3 account is higher than that on our standard savings account. And the interest you receive is not subject to income tax.
You can put money intended to pay off your mortgage into an Epargne 3 account. At the end of the agreed term, you can use the money in the account to pay down your mortgage. The money you withdraw is taxed at a reduced rate.
This method offers significant tax advantages: money paid into an Epargne 3 account can be deducted from your taxable income, and your mortgage debt remains constant during this time and can therefore be deducted in full from your total wealth on your tax return.
You can get additional tax benefits when you take money out of your Epargne 3 account by spreading the withdrawals over several years, to minimize the effects of progressive taxation. You can take the money out starting five years before the legal retirement age or, if you continue working, until age 69 for women and age 70 for men. However, when you take money out of an Epargne 3 account, you must take it all out at once. Therefore you would need to have several accounts to spread the withdrawals out over time.
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We're available Monday to Friday,
from 7:30am to 7:30pm
File size : 1.80 MB - Last update : 24 June 2022
Also available in file : French
Keywords: Retraite/ Prévoyance/ Epargne 3/ Amortissement/ Placement
File size : 49.06 KB - Last update : 02 February 2021
Also available in file : French
Keywords: Epargne 3
File size : 257.11 KB - Last update : 02 July 2020
Also available in file : French
Choisissez parmi les prestations d'épargne de la BCV celles qui vous permettront le mieux d'atteindre vos objectifs et de concrétiser vos rêves.
File size : 1.28 MB - Last update : 24 June 2022
Keywords: Epargne
File size : 74.75 KB - Last update : 23 March 2015
Also available in file : French
Keywords: Comptes/ BCV/ conditions
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