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Open Account Personal Loan Transfers

If I subscribe a PPR do I have fiscal benefits?

Contributions to a PPR are deductible from IRS tax liability at a rate of 20% of the amounts invested in 2024, per taxpayer who is not married, or per spouse in the case of married couples not legally separated. The maximum deductible amounts are shown in the table below:

Subscriber age Investment to gain the maximum fiscal benefit* Maximum deduction from IRS collection*
Up to 35 €2.000 €400
35 to 50 €1.750 €350
over 50 years old €1.500 €300

*Per taxpayer

The total amount of general deductions from tax liability (including tax benefits) cannot exceed, per household, the limits defined in the table below:

Below €7 091 Between €7 091 and €80 640 Above €80 640
No limit 1 000 +
[( 2 500 - 1 000) x ((Amount of the last tier - Taxable income) / (Amount of the last tier - Amount of the first tier))]		 €1 000

Amounts invested after retirement or paid by third parties are not deductible, except when made by employers on behalf of and for the benefit of their employees (Article 21(8) of the Tax Benefits Statute).