IKZE szansą na kredyt mieszkaniowy
Pewnie każdy się zastanawia co wspólnego mają ze sobą IKZE i kredyt mieszkaniowy. Mają, może nie tak dużo, ale jednak mają…
Od 2017 roku wkład własny osoby ubiegającej się o kredyt hipoteczny na 100% wartości nieruchomości będzie musiał stanowić 20% wartości kredytu (obecnie 15%). Co zrobić aby ta zmiana nie wpłynęła istotnie na możliwość zaciągnięcia kredytu przez kupujących mieszkanie?
Dzięki IKZE wyższa zdolność kredytowa
Zakładając, że zamierzamy zaciągnąć kredyt w wysokości 350 tys. zł (na 100 % wartości mieszkania) to wymagany wkład własny w 2017 r. wyniesie 70 tys. zł. Taka kwota powinna zostać zablokowana jako zabezpieczenie kredytu mieszkaniowego, czyli tak zwany wkład własny. Zgodnie z pismem Komisji Nadzoru Finansowego z dnia 29 maja 2015 r. (DRB/DRBI/7111/7/8/2015) środki zgromadzone na Indywidualnym Koncie Zabezpieczenia Emerytalnego (IKZE) mogą stanowić wkład własny przy zaciąganiu kredytu mieszkaniowego.
IKZE zapewni nam nawet 30% wkładu własnego na kredyt mieszkaniowy
Oczywiście można się zastanawiać że limit roczny wpłat do IKZE to tylko 4 866 zł (w roku 2016). Podpisując jednak umowę dziś możemy wpłacić w bieżącym roku cały limit, a kilkanaście dni później, już w styczniu limit za rok 2017. Dodatkowo zakładając, że jesteśmy w związku małżeńskim, to współmałżonek postępuje podobnie, więc suma wpłat może wynieść blisko 20 tys. zł, co będzie stanowiło blisko 30% wymaganego wkładu własnego. Dodatkowo uzyskamy ulgę podatkową ponad 3,5 tys. zł przy skali podatkowej 18% i ponad 6,2 tys. zł przy skali podatkowej 32%.
Mieszkanie i przyszła emerytura z IKZE
Czy taki zabieg ma sens? Oczywiście że tak, gdyż wkład własny jest wymagany przez banki, a po osiągnięciu wieku emerytalnego środki zgromadzone w IKZE będą stanowiły dodatkowe świadczenie emerytalne (możliwość wypłaty w 120 ratach lub jednorazowo). Jednocześnie co roku pomniejszamy podstawę opodatkowania, przez co zmniejszamy faktycznie zapłacony podatek.
Autor Maciej Jędrzejak
Bankier z ponad 20 letnim doświadczeniem, obecnie koncentrujący się na spółkach z sektora fintech oraz kolejnych projektach startupowych w Polsce. Jako ekspert od międzynarodowych finansów łączy świat bankowości z realną ekonomią.
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