TNBiz (TNBiz)
Personal finance  |  September 15, 2012 18:33:46

Members decide on the possibility of transferring to building savings in retirement savings

PRAGUE (MEDIAFAX) - Ability to use savings from the building society in the supplementary retirement savings or pension to a government bill, whose fate MPs decide on their September meeting. If the document through the legislative process and the president signs it, people would take advantage of the news from the 2014th

"The proposal is to terminate the construction savings by transferring the entire amount saved and paid amounts of state aid to the third pillar of the pension system, a supplementary retirement savings or pension," he told Reuters Finance Ministry spokesman Ondrej Jakob.

Cabinet wanted while the possibility of using state aid building society initially restrict strictly for the purposes of housing, such as for the purchase or renovation of real estate or mortgage interest payments.According to the news people would remain open another way, the use of money on building savings as reserves for retirement. The proposal does not split with the saved money into pension savings would have to go to the full amount.

"We suggest that with effect from 1 January 2014 was bound state contribution for the purpose for which the money is to be used," said Finance Minister Miroslav Kalousek (TOP 09), and added: "Extends the purpose, but the state contribution is limited to this purpose. "

The next step in the convergence of building and pension savings will be able to do themselves financial institutions. While still building savings may provide only five savings banks, from 1 January 2015 would provide the same services to any licensed bank.Conversely building societies will no longer be able to apply from January 2014 to extend its license to other banking services under the Banking Act and thus effectively change their status.
"There is no fundamental reason for the building society offered only building societies. I respect the fact that the management of building societies do not like. At the same time I ask not to use incorrect arguments," mentioned Kalousek.

"By introducing this change will strengthen the competitive environment and at the same time support system stability savings. Because it sits now critically dependent on state support and any further intervention by the State to the amount of State aid may lead to problems with building societies liquidity, and therefore unresponsive system, respectively, then the entire financial market, "explained adjust resort finance.

The Ministry also calculated, with the money from building society customers will be able to use for payment of tuition fees at universities. Change has to be included in the draft explanatory report forthcoming Higher Education Act, but its approval is still uncertain.

State aid for building savings Nečas government limited to 2,000 crowns per year regardless of the term of contract. There is currently no treatment means of building savings even with state support, not limited. Participant after the expiration of the six-year or five-year period the money freely available to store them can therefore as pension reserve.

Voluntary pension insurance system works now and become the people contributing to 150 crowns per month, if you saved at least five hundred.From January next year, will be made available for those interested unavailable, instead, as an alternative you can choose supplementary pension savings. Will work on a similar principle as the pension, but the state it wants to motivate people to higher úložkám because the maximum state aid that will be up to 230 crowns per month when stored thousand crowns.

Jan Kálal,

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