The housing savings account is a type of special account balance is used for the purchase of a home for regular use and must be purchased within a specified period. The deadline to purchase that home is 4 years .
The housing savings account allows the holder to 15% tax-deductible annual amount received, being able to deduct a maximum on the amount of 9.015,18 € (maximum amount deductible: € 1,352.28).
The Act also provides for benefit of that relief money should be in an account called housing account. Serves any deposit account and even provided the balances entered solely intended to buy a home or reform.
We can find different financial institutions offering housing accounts like One-e with a 3.30% APR or entities that provide housing deposits Bankinter as a 3.74% APR. Indifferent to the type of option you choose, or deposit account, it is best to find the best possible performance.
If exceeded the maximum period allowed is not an acquisition of the house then you have to refund the amounts withheld plus interest for late payment.
planteándote If you buy a home in the near future, less than 4 years, and you have sufficient income should consider this option since you will deducirte a negligible amount of money.
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