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| Hello!
I guess you may know already but... once you use your second pillar to buy a house, you can "fill it up" again in the years later. details arein your pension plan rules. This has the benefit to have a full pension plan. It is also tax deductible and you can put in whatever amount (no limits like with the third pillar.
I f I were you, I would first reconsruct your pension plan and then go to third pillar.
Cheers,
Cristina | |
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Two points here. There are limits on the amount you can repay into a depleted pension fund and the third pillar should be filled first as the right to fill this occurs only during the calendar year whereas the right to fill your second pillar carries over to future years. The limit on the amount you can repay into a depleted pension fund is dependent on your income. It is not possible to make a tax return with a negative taxable income, indeed the tax office will disallow deductions into the pension fund if the amount paid in is deemed by them to be unreasonable. For this reason if the amount you intend to repay is large in comparison to your taxable income you must gain approval from the local tax office.