Purchase of main residence
| Triggering events | Acquisition or construction of the beneficiary’s primary residence |
| Main conditions | Occupation as the principal and immediate residence by the beneficiary or their direct family
Acquisition of full ownership Release of funds up to the amount of the personal contribution (the difference between the total cost of the transaction and the sum of loans obtained) |
| Rights related to fund release | PEE – PEG – PEI Participation (CCB) PERCO - PERCOLI Collective Retirement Saving Plan (PERCOL) (excluding mandatory contributions) |
| Supporting documents, depending on your situation | For acquisition: sales contract, or promise of sale and a sworn statement confirming the provision of the final sales deed and the return of funds if the project does not materialize Note: if you choose to redeem your assets using your promise of sale, you will not be able to submit a new request with the sales contract once it is signed for the same triggering event For construction: construction contract, or contract for works, or accepted, dated, and signed estimates showing the payment of deposits, or paid invoices for the purchase of structural materials, and the building permit In all cases: sworn statement confirming the financing of a primary residence, or a living space within the primary residence. If a loan is involved, a dated and signed financing plan from the credit institution showing the personal contribution; if no loan is involved, a dated and signed financing plan prepared by the beneficiary |
| Deadline for submission of supporting documents | 6 months for the PEE, PEG, PEI, and profit-sharing schemes
6 months for the PERCO or PERCOLI (deadline applies to any triggering event occurring after 7 June 2020) At any time for the PERCO or PERCOLI (deadline applies to any triggering event occurring up to and including 7 June 2020) At any time for the Collective Retirement Saving Plan (PERCOL) |
| Excluded events (non-exhaustive list) |
Acquisition: Subscription to shares in a real estate investment company (SCI) / Donation of the primary residence Construction: Acquisition of land only |