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Spaarloonregeling



Doel

Stimuleren van Sparen

Deelname

Is alleen mogelijk wanneer de organisatie waarvoor werknemer werkt een spaarloonregeling heeft getroffen. Deelname aan de spaarloonregeling moet openstaan voor ten minste 75% van het personeel.

Regeling

De Spaarloonregeling wordt schriftelijk vastgelegd

Rekening of Verzekering

De inleg voor de Spaarloonregeling wordt gestort op een geblokkeerde rekening van de werknemer.

Uitvoerder

De rekening wordt aangehouden bij de werkgever of bij een bank en dit wordt geregeld door de werkgever. De werkgever kiest dus de financiele dienstverlener.

Inleg

Maximaal €613 per jaar. De werkgever houdt de inleg in op het brutoloon en maakt dit over naar de financi=ele dienstverlener/uitvoerder.

Besteding

Opname van spaarloon wordt 4 jaar geblokkeerd. Na die 4 jaar kan het spaarloon vrij worden besteed. Tijdens de blokkering-periode van 4 jaar kan het tegoed wel worden gebruikt voor bijvoorbeeld de aankoop van een eigen woning en het betalen van premies voor een lijfrente en levensverzekering.

Fiscale Behandeling

1. De inleg wordt van het brutoloon gehaald (besparing loonbelasting en premies volks- en werknemersverzeke-ringen.

2. Het tegoed is tot maximaal €17.025,- vrijgesteld van heffing in box 3.

3. Het tegoed kan na de blokkering-termijn vrij van heffing worden opgenomen.


Links

Nuttige link:

Belastingdiens over spaarloon



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