“My boss was laughing out loud when I asked for my repayment,” and similarly, our readers wrote in a comment and in a letter to our article about employer loan repayment support, a new cafeteria item. We were very surprised by this, as it is a great opportunity for companies to give their employees significantly more without tax liability.
There is no cheaper salary increase.
If the employer wanted to raise one forint in net wages, he would have to pay two forints because of the various taxes, contributions and employer charges. But it is even cheaper than giving it in black in the cape because the cafeteria item is included in the business accounting books, so it is a cost that reduces the tax burden on the business.
It is true that no subsidy can be given instead of the current salary because this can be investigated by NAV, but there is no cheaper way to get a salary increase by the boss. Yeah, sorry. Soccer passes can still be bought tax-free for employees, but be on the heels, for whom it is more beneficial than reducing your loan repayment.
The rules are simple. Smaller companies can easily decide which employees are eligible for support and who are not.
There is no need to maintain a separate administration for this. In addition, it is up to the employees to prove that they meet the conditions.
The bank also helps companies. The law provides an opportunity for the bank to check compliance of employees with the condition, not the employer. Doing so will take a heavy burden off the company. This is the optimal solution for the bank, as it already has almost all the paperwork it needs, and it is in your best interest to get the paperwork done quickly, as it wins a client who will surely pay the installment on time.
We’ve put together some arguments to convince even the most senior boss.
The chances of abuse are low. You don’t even have to give the money to the employee, who can pay the bank the amount you want. The transfer goes straight to a separate repayment account with the bank.