Recently it has surprised the Government again us with an economic measurement when less, difficult. The Administration will allow the pension plans holders to be able to rescue their his savings, partially or completely, if it takes 6 consecutive months in the unemployment. With this modification that is prepared, the term will go down, therefore, from 12 current months until 6 months.
This new measurement that he tries to face the crisis tries to relieve a little the economic situation so difficult that some families are happening and that they have a part of his saving put in this type of financial products. It is necessary to bear in mind that, at present, 32,5 % of the active population supports a pension fund, therefore the measurement might to affect to an important saving quantity.
Also, the modifications are going to contemplate an innovation, and the fact is that the payment in advance of the services corresponding to the rescue of these plans not only will be able to take place when he is the holder of the same one the one that is unemployed, but it will reach to his spouse, ascendancies and progeny in the first grade when they credit the same situation of unemployment of 6 consecutive months.
We have to bear in mind, that except the exception of 12 months for unemployment, and for motive of serious illness, at present, the legislation stipulates that the pension plans can only be rescued when the retirement of the holder has taken place.
On the other hand, and to credit the unemployment situation, it is necessary to be, logically, discharged like employment claimant.
But, as we were saying at first, the measurement has generated strong controversies. This modification can suppose a strong exit of money of these products. The financial institutions might turn forced to face to a patrimony decrease in a moment like the current one in which so punished they are. Also, we have to remember that already last year, for the first time in his history, the patrimony that was managed in these pension plans diminished of important form, both for the falls of the world bags, and for the fall of the confidence of the thifty persons who deposited less savings.
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