how you can avoid it in 2025 thanks to this little-known tip

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– There are ways to avoid the flat tax.

The Finance Committee had achieved a small coup on Wednesday October 16 during the examination of the budget for 2025. Without removing the flat tax, the deputies had given the green light to a increase in its overall rate of 33% from 2025. But during the examination in public session at the National Assembly, the left did not manage to transform the test, explained Capitalnotably because of the change of heart of the National Rally. In the meantime, taxpayers can escape this flat tax, and do so in a completely legal manner, explain The Echoes.

Normally, if you are the holder of a housing savings plan (PEL), shares, bonds or a super bank account, you cannot escape the single flat-rate deduction on the income from these investments. This 30% flat tax – composed of 12.8% flat rate tax and 17.2% social security contributions – applies to your interests and dividends, underlines Capital. The “exemption request” allows you to see only your social security contributions taken.

A request to be made before the end of November

Thus, to avoid the compulsory non-discharging flat-rate deduction of 12.8%, you must justify resource conditions particular. The reference tax income (RFR) for year N-2 must not exceed a certain ceiling. According to The Echoesthe ceilings have not changed in recent months and the interest is set at 25 000 euros for income from tax-advantaged savings accounts, bond coupons or PELs (subscribed since 2018). An amount doubled to 50 000 euros for married or civil partnership couples.

But the situation is different for exemptions relating to dividends: the RFR ceiling must not exceed 50,000 euros (75,000 euros for a couple). Our colleagues emphasize that untaxed (or few) households do not pay this flat-rate levy since it is greater than their resources. For others, the “exemption request” allows the payment of 12.8% to be postponed. To make the request, however, you should not delay since the deadline is set at November 30th.

However, an exception exists “for products resulting from life insurance contracts and capital outflows from a retirement savings plan”according to the tax administration. You must then make a letter of honor addressed to the banks in which the investments are held. A model letter also exists on the public finance website. But beware of false declarations: a fine is expected. It is equivalent, according to our colleagues, to 10% of the amount of the deduction which was the subject of the exemption request wrongly.