Dissolving Wohnriester as easily as possible?

2019-01-09 11:48:01

Can information about a possible [Wohnförderkonto] be obtained directly from the tax office? Because I would like to follow up on that. I trust the advisor 0. She obviously had no idea about it. But it was definitely terminated and paid out as described above.

2019-01-09 11:54:46

I don't trust my advisor anymore. To be honest, I just don't know what to do. I recently increased the building savings amount to 100k on her advice and transferred 10k to the building savings account from my checking account. The increase also cost about 100€ in fees. I am currently at work and don't know the exact numbers by heart, but I think the balance in the building savings account is about 30k right now. If I were to find a house soon and decide, after consulting with anyone, not to use the Riester, that would have been quite a mistake.

2019-01-09 12:35:16

Hello Winniefred,

no, you cannot inquire about the status at the tax office because it is not known there. The tax offices only receive the amounts that can be deducted in the declaration. However, you should be able to get an insight where the account is held (insurance, bank).

Regards

2019-01-09 12:55:36

we terminated the contract for homeowner acquisition and received the money after a few months (everything that was on it including the allowances).

And with that the WFK is activated at the pension insurance. That means the withdrawn capital is now fictitiously interest-bearing at 2%, and it must be taxed upon retirement.

I trust the advisor 0.

If you are with the LBS, call the headquarters directly. They will then refer you to the appropriate department. Most advisors only know how to sell Riester.

Back then, we had the Riester capital transferred from LBS to another BSK. That then took almost a whole year; most of the time was because our LBS advisor had no idea about the topic, or letters came asking if we really wanted to proceed, etc...

2019-01-09 12:59:07

§ 92 Income Tax Act - Certificate

An annual certificate is not required if no information is necessary for sentence 1 numbers 1, 2, 6, and 7 and if there are no changes compared to the most recently issued certificate for sentence 1 numbers 3 to 5. The conditions of sentence 2 apply only in respect of the information according to sentence 1 number 6 and the business relationship in connection with the respective retirement savings contract between the beneficiary and the provider has been terminated because

1. the accumulated capital has been fully withdrawn from the retirement savings contract or
2. the granted loan has been fully repaid,

no annual certificate is required if the provider informs the beneficiary in a certificate within the meaning of this provision as follows: "The housing promotion account increases annually by 2 percent until the start of the payout phase, as long as you do not make payments to reduce the housing promotion account." The provider may also provide the certificate electronically to the beneficiary with their consent.

So, at the time of payment, the status of the HPA should have been listed somewhere.

2019-01-09 14:09:34

I will take a look at the documents or call there.

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Dissolving Wohnriester as easily as possible?

Winniefred

Tobibi

Wiesel29

Caspar2020

Caspar2020

Winniefred