Can you unlock your Retirement Savings Plan before retirement?

One of the points that can hinder savers is the long-term nature of the PER. Indeed, savings are in principle blocked until the legal retirement age. But the law provides for several cases of early release:

Acquisition of the main residence 🏡

Death of the spouse or partner of PACS

Disability of the saver or a relative

Expiry of unemployment rights

Over-indebtedness

Cessation of self-employment following judicial liquidation

Among these cases, the most used is the purchase of the main residence, which makes the PER a mixed tool: both retirement preparation and leverage for homeownership.

👉 Example: Julie, 35 years old, wants to buy her first apartment. She unlocks €20,000 from her PER to finance her contribution. She thus benefits from a tax advantage during her payments, while using her savings to become an owner.

The PER is therefore not as rigid as one imagines.