Account saved housing
When we penetrate into the buy of a housing, fiscally we will have right to the deduction for acquisition of the habitual housing. At present this deduction is 15 % of the quantities delivered for the acquisition of the housing (or amortized capital of the loan), in addition to a fiscal compensation for those who had right to a major deduction for having acquired his housing before January 20, 2006. This deduction is limited up to 9015 euros for year.
The first year, the year of the buy, we will incur a few expenses as there are the VAT (or the ITP if there is second-hand), the Notary, the record, other taxes (AJD, municipal appreciation) that are going to overcome 9015 euros that we have right to deduce ourselves. Not to lose the right to deduce these initial quantities that are quite high, since they suppose approximately 10 % of the value of the housing, we can use the account I save housing and to deduce for anticipated the money that we save for the purpose of acquiring the housing (to pay these initial expenses).
The deduction that we get for Account Housing is the same that that of acquisition of habitual housing, also 15 %. The deduction limit for the account saved housing it is also the same one: 9015 euros per year. It must be an account separated from the rest of operations, which can be a current or of saving, does not have necessary that to be named an Account Ahorro Housing although really it is the most habitual thing in the banks and boxes. This money must go exclusively destined to the acquisition of the habitual housing. If in the course of four years starting from the opening of the account no housing has been acquired, we will have to return the quotas deduced to Treasury Department more the delay interests.
It is interesting to remember that if a house is bought between several persons (pro in I discern or a marriage) it is perfectly legal to have each one its own account housing and to be deduced by the dedicated quantities that correspond to him proportionally.