{"id":75489,"date":"2025-12-27T06:18:17","date_gmt":"2025-12-27T06:18:17","guid":{"rendered":"https:\/\/www.europesays.com\/ro\/75489\/"},"modified":"2025-12-27T06:18:17","modified_gmt":"2025-12-27T06:18:17","slug":"schimbari-importante-la-pensie-in-2026-cum-vor-putea-pensionarii-sa-si-retraga-banii-din-pilonul-ii-newsweek-romania","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ro\/75489\/","title":{"rendered":"Schimb\u0103ri importante la pensie \u00een 2026. Cum vor putea pensionarii s\u0103-\u0219i retrag\u0103 banii din Pilonul II? \u2022 Newsweek Rom\u00e2nia"},"content":{"rendered":"<p>\n                    \u00cencep\u00e2nd cu 2026, pensionarii care doresc s\u0103-\u0219i retrag\u0103 sumele acumulate \u00een Pilonul II trebuie s\u0103 respecte noi reguli privind CASS \u0219i impozitul pe pensii. Retragerea integral\u0103 a banilor poate genera pierderi de mii de lei.\n                <\/p>\n<p>Potrivit Legii nr. 141\/2025, \u00eencep\u00e2nd cu 1 august 2025, sumele \u00eencasate de participan\u021bii la fondurile de pensii administrate privat (Pilonul II) \u0219i mo\u0219tenitorii acestora vor fi supuse CASS de 10%, aplicat\u0103 pentru partea din pensia privat\u0103 care dep\u0103\u0219e\u0219te plafonul de 3.000 de lei<\/p>\n<p data-start=\"1115\" data-end=\"1331\">Venitul impozabil din pensii se stabile\u0219te prin deducerea sumei neimpozabile de 3.000 de lei \u0219i, dup\u0103 caz, a CASS. Contribu\u021bia va fi re\u021binut\u0103 de administratorul fondului la momentul pl\u0103\u021bii, conform legisla\u021biei.<\/p>\n<p>Schimb\u0103ri importante la pensie \u00een 2026. Cum vor putea pensionarii s\u0103-\u0219i retrag\u0103 banii din Pilonul II?<\/p>\n<p data-start=\"1053\" data-end=\"1280\">\u0218i \u00een anul 2026,sumele acumulate \u00een Pilonul II pot fi retrase numai \u00een baza unei decizii de pensie: limit\u0103 de v\u00e2rst\u0103, pensie anticipat\u0103 sau decizie de pensie de invaliditate, indiferent de grad.<\/p>\n<p data-start=\"1282\" data-end=\"1476\">Aten\u021bie: Noua procedur\u0103 privind retragerea sumelor de la Pilonul II \u0219i III se va aplica\u00a0dup\u0103 un an de la publicarea legii \u00een Monitorul Oficial, documentul oficial nefiind \u00eenc\u0103 publicat.<\/p>\n<p>Cite\u0219te \u0219i:\u00a0<a href=\"https:\/\/newsweek.ro\/social\/romanii-economisesc-tot-mai-mult-pentru-pensie-aproape-940000-de-participanti-la-pilonul-iii\" target=\"_blank\" rel=\"noopener nofollow\">Rom\u00e2nii economisesc tot mai mult pentru pensie: aproape 940.000 de participan\u021bi la Pilonul III<\/a><\/p>\n<p data-start=\"1478\" data-end=\"1533\">Conform normelor ASF 27\/2017, cererile pot fi depuse:<\/p>\n<ul data-start=\"1534\" data-end=\"1668\">&#13;<\/p>\n<li data-start=\"1534\" data-end=\"1592\">&#13;\n<p data-start=\"1536\" data-end=\"1592\">la sediul administratorului fondului de pensii privat;<\/p>\n<p>&#13;\n<\/li>\n<p>&#13;<\/p>\n<li data-start=\"1593\" data-end=\"1630\">&#13;\n<p data-start=\"1595\" data-end=\"1630\">prin po\u0219t\u0103 sau servicii similare;<\/p>\n<p>&#13;\n<\/li>\n<p>&#13;<\/p>\n<li data-start=\"1631\" data-end=\"1668\">&#13;\n<p data-start=\"1633\" data-end=\"1668\">online, cu semn\u0103tur\u0103 electronic\u0103.<\/p>\n<p>&#13;\n<\/li>\n<p>&#13;\n<\/ul>\n<p data-start=\"1670\" data-end=\"1913\">Un specialist recomand\u0103: \u201eEste esen\u021bial s\u0103 lua\u021bi leg\u0103tura cu fondul de pensii privat la care a\u021bi contribuit. Dac\u0103 ave\u021bi certificat de handicap grav sau accentuat, trebuie s\u0103 preg\u0103ti\u021bi o copie legalizat\u0103, ceea ce v\u0103 ofer\u0103 scutire de impozit.\u201d<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.europesays.com\/ro\/wp-content\/uploads\/2025\/12\/aHR0cHM6Ly9uZXdzd2Vlay5yby9zdG9yYWdlL211bHRpbWVkaWEvMjAyNS8xMi8wVDdOT3VWRW1jRUhiUU41Vkw2bkM4NDNjOUt5.webp\" alt=\"B\u0103rba\u021bi Foto: Pexels (imagine cu rol ilustrativ)\"\/>&#13;<br \/>\nB\u0103rba\u021bi Foto: Freepik (imagine cu rol ilustrativ)&#13;<\/p>\n<p>Cum pot s\u0103 retrag\u0103 pensionarii banii \u00een 2026?<\/p>\n<p data-start=\"146\" data-end=\"487\">Mul\u021bi rom\u00e2ni care au contribuit la Pilonul II se g\u00e2ndesc s\u0103-\u0219i retrag\u0103 banii acum, \u00eens\u0103 trebuie s\u0103 \u0219tie c\u0103 alegerea de a scoate \u00eentreaga sum\u0103 deodat\u0103 poate aduce pierderi financiare importante.<\/p>\n<p data-start=\"146\" data-end=\"487\">Aceasta se datoreaz\u0103 contribu\u021biei de asigur\u0103ri sociale de s\u0103n\u0103tate (CASS), care se aplic\u0103 la partea din pensia privat\u0103 ce dep\u0103\u0219e\u0219te 3.000 de lei.<\/p>\n<p data-start=\"489\" data-end=\"517\">Cum func\u021bioneaz\u0103 CASS:<\/p>\n<ul data-start=\"518\" data-end=\"856\">&#13;<\/p>\n<li data-start=\"518\" data-end=\"603\">&#13;\n<p data-start=\"520\" data-end=\"603\">Cota este de 10% \u0219i se aplic\u0103 doar la suma care dep\u0103\u0219e\u0219te pragul de 3.000 de lei.<\/p>\n<p>&#13;\n<\/li>\n<p>&#13;<\/p>\n<li data-start=\"604\" data-end=\"856\">&#13;\n<p data-start=\"606\" data-end=\"856\">De exemplu, dac\u0103 a\u021bi acumulat 30.000 de lei \u00een Pilonul II, atunci CASS va fi calculat\u0103 astfel: 30.000 \u2013 3.000 = 27.000 lei; 10% din 27.000 = 2.700 lei. A\u0219adar, dac\u0103 retrage\u021bi to\u021bi banii \u00eentr-o singur\u0103 tran\u0219\u0103, ve\u021bi pl\u0103ti 2.700 lei doar ca tax\u0103 CASS.<\/p>\n<p>&#13;\n<\/li>\n<p>&#13;\n<\/ul>\n<p data-start=\"858\" data-end=\"1067\">\u00cen medie, un rom\u00e2n va avea o pensie privat\u0103 de aproximativ 5.000\u20136.000 de euro. Dac\u0103 retrage\u021bi totul integral, ve\u021bi pierde sume de ordinul miilor de lei, bani care ar fi r\u0103mas altfel \u00een cont.<\/p>\n<p data-start=\"116\" data-end=\"664\">Speciali\u0219tii recomand\u0103 ca pensionarii s\u0103 nu retrag\u0103 \u00eentreaga sum\u0103 din Pilonul II deodat\u0103, ci s\u0103 opteze pentru retrageri e\u0219alonate. Astfel, impactul CASS va fi mai redus \u0219i ve\u021bi p\u0103stra mai mul\u021bi bani pentru pensie.<\/p>\n<p data-start=\"116\" data-end=\"664\">Este important s\u0103 ave\u021bi toate documentele preg\u0103tite \u0219i s\u0103 lua\u021bi leg\u0103tura cu fondul de pensii la care a\u021bi contribuit pentru a afla exact cum se aplic\u0103 deducerile \u0219i contribu\u021biile.<\/p>\n<p>Cite\u0219te \u0219i:\u00a0<a href=\"https:\/\/newsweek.ro\/social\/pensionari-retrage-pensie-integral-pilonul-ii\" target=\"_blank\" rel=\"noopener nofollow\">Ce fel de pensionari pot retrage pensia integral, pe Pilonul II? \u00cen ce condi\u0163ii e posibil asta?<\/a><\/p>\n<p data-start=\"116\" data-end=\"664\">De asemenea, persoanele care de\u021bin certificat de handicap grav sau accentuat pot beneficia de scutire de impozit, ceea ce reduce semnificativ pierderile.<\/p>\n<p data-start=\"666\" data-end=\"946\">De exemplu, dac\u0103 ave\u021bi o pensie privat\u0103 de 15.000 lei \u0219i decide\u021bi s\u0103 o retrage\u021bi \u00een dou\u0103 tran\u0219e de c\u00e2te 7.500 lei, CASS se va aplica doar la fiecare tran\u0219\u0103 care dep\u0103\u0219e\u0219te pragul de 3.000 lei. \u00cen acest fel, ve\u021bi pl\u0103ti mai pu\u021bin comparativ cu retragerea integral\u0103 a \u00eentregii sume.<\/p>\n","protected":false},"excerpt":{"rendered":"\u00cencep\u00e2nd cu 2026, pensionarii care doresc s\u0103-\u0219i retrag\u0103 sumele acumulate \u00een Pilonul II trebuie s\u0103 respecte noi reguli&hellip;\n","protected":false},"author":2,"featured_media":75490,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[32,33,2288,31,23470,19882,23469,36,37,27,2294,34,35,25,904,1378,2732,8714,41,40,38,39,26,28,29,30],"class_list":{"0":"post-75489","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-romania","8":"tag-breaking-news","9":"tag-breakingnews","10":"tag-cass","11":"tag-cele-mai-populare-subiecte","12":"tag-digi24a","13":"tag-documente","14":"tag-eveniment","15":"tag-featured-news","16":"tag-featurednews","17":"tag-headlines","18":"tag-impozit","19":"tag-latest-news","20":"tag-latestnews","21":"tag-news","22":"tag-pensie","23":"tag-pensii","24":"tag-pensionari","25":"tag-pilonul-2","26":"tag-ro","27":"tag-romana","28":"tag-romania","29":"tag-romanian","30":"tag-stiri","31":"tag-titluri","32":"tag-top-stories","33":"tag-topstories"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ro\/115790080396485632","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/75489","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/comments?post=75489"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/75489\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media\/75490"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media?parent=75489"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/categories?post=75489"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/tags?post=75489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}