Pay to retire early. This is one of the solutions offered to employees if they want to escape the reform. In fact, it is possible to repurchase up to 12 quarters, that is, three years of listing.
This is the case, for example, if you have completed an internship as part of your higher education, as long as you apply within two years of completing the internship. A term that could be extended as part of the future reform.
This is also the case if you have completed higher education, as long as it has led to a degree. This is also the case if you have incomplete years, that is, years during which you have not validated four quarters. Which worries almost everyone who has had summer jobs. Result: few are those who do not have the possibility of repurchasing their 12 rooms if they wish.
Between 1,000 and 6,000 euros per quarter
You still need to have the necessary money. The price of a quarter varies depending on your age and your salary at the time of redemption. The younger you are, the less it costs. Conversely, the closer you get to retirement, the more money you’ll have to shell out.
Thus, depending on age and income, the cost of a term varies from just over 1,000 euros for a 20-year-old person with little income to just over 6,000 euros for a 60-year-old person with an income of more than 44,000 euros per year. For 12 quarters, the invoice can exceed 70,000 euros. Still, the benefits can be significant.
Let’s take the example of a person, who has 12 quarters to go, and who is therefore supposed to wait 67 years (the discount cancellation age) to come out fully with 3000 euros. If you decide to leave at age 64 despite everything, without repurchasing rooms, you will receive a discount and only earn 2,600 euros per month, instead of 3,000. If you buy back your 12 rooms, you can instead leave with 3,000 euros per month. month months from the age of 64. This person will have amortized the redemption of rooms in just 15 years.
A deductible amount from taxable income
Important clarifications: it is very possible to pay your quarters in several installments and the amounts are deductible from taxable income. Finally, keep in mind that it is possible to benefit from a State bonus for the redemption of periods, linked to higher education. This can make it possible to acquire rooms without spending anything or almost sums up an expert. As long as you do it sufficiently in advance: this bonus is granted only on the condition of repurchasing these quarters, within a maximum period of 10 years from the end of your studies.
Source: BFM TV
