Circumstances allowing for early release
A personal or professional project, or unforeseen circumstances? The law allows for various circumstances in which employees may withdraw their funds early while maintaining the tax advantages specific to retirement and employee savings schemes.
You and your relatives | PEE | PERCO | PER (PEROB, PERERCO, PERU) | Article 82 | Article 83 |
| Marriage or civil partnership | |||||
| Divorce, separation or dissolution of a civil partnership with children to support | |||||
| Birth or adoption of a 3rd child and of each subsequent child | |||||
| Category 2 or 3 disability of the saver | |||||
| Category 2 or 3 disability of the spouse, civil partner or children | |||||
| Death of the saver | |||||
| Death of the spouse or civil partner | |||||
| Overindebtedness | 1 | 1 | |||
| Domestic violence | 2 | ||||
| Expenses incurred as a caregiver | |||||
| Acquisition of a clean vehicle |
Your employment | PEE | PERCO | PER (PEROB, PERERCO, PERU) | Article 82 | Article 83 |
| Creation or takeover of a business by the saver, their children, spouse or civil partner | |||||
| Establishment of a self-employed business by the saver, their children, spouse or civil partner | |||||
| Acquisition of shares in a production cooperative by the saver, their children, spouse or civil partner | |||||
| Termination of the employment contract or sole trading activity | |||||
| Absence of an employment contract or corporate office for at least the past 2 years, starting from the date of dismissal or non-renewal of the corporate office | |||||
| Termination of the self-employed business following liquidation / conciliation | |||||
| Expiry of unemployment benefits | 3 | 3 |
Your home | PEE | PERCO | PER (PEROB, PERERCO, PERU) | Article 82 | Article 83 |
| Acquisition of the main residence | 4 | ||||
| Construction of the main residence | 4 | ||||
| Extension of the main residence | 5 | ||||
| Restoration following a natural catastrophe | |||||
| Renovation of the energy of the main residence |
1 On request made to the insurer either by the president of the personal overindebtedness commission or by the judge if it is deemed necessary to release the individual entitlements held in these plans in order to clear the individual’s debts.
2 Domestic violence against the plan holder by the current or former spouse, common-law partner or civil partner. In cases where a protection order has been issued in favour of the individual by the family court judge pursuant to article 515-9 of the Civil Code, or in cases where the charges come under article 132-80 of the French Criminal Code and give rise to alternative proceedings, a settlement, the launch of an investigation by the public prosecutor, a referral to the magistrate's court by the public prosecutor or examining magistrate, an indictment or a criminal conviction, even if revocable.
3 Granted subsequent to an involuntary loss of employment.
4 Entitlements corresponding to the amounts allocated to the Mandatory Retirement Savings compartment may not be liquidated for this reason.
5 Referring to the creation of new living space as defined in article R. 111-2 of the French Construction and Housing Code, provided a building permit has been obtained or a planning application submitted.
How to request a withdrawal of funds?
From your personal user area
on the www.esalia.com in the "My transactions > Withdrawal" menu; or on the Esalia app, in the "Request a withdrawal” section accessible by clicking on the central button.
Enter your request and upload your supporting documents directly online.
You will be charged an early withdrawal fee depending on the pricing scale that applies to you (this information is provided in the document library available in your personal user area).
From your personal user area on the www.sogeretraite.com website: "Manage your savings" menu > "Early withdrawal" or "Withdrawal for main residence".