{"id":19233,"date":"2022-09-13T18:49:06","date_gmt":"2022-09-13T16:49:06","guid":{"rendered":"https:\/\/mysavings.be\/?post_type=info&#038;p=19233"},"modified":"2022-09-13T18:49:06","modified_gmt":"2022-09-13T16:49:06","slug":"emprunter-de-et-a-votre-entreprise","status":"publish","type":"info","link":"https:\/\/mysavings.be\/fr\/centre-dinfo\/emprunter-de-et-a-votre-entreprise\/","title":{"rendered":"Emprunter de et \u00e0 votre entreprise"},"content":{"rendered":"<p><em>Emprunter de l&rsquo;argent \u00e0 votre entreprise est une proc\u00e9dure souvent utilis\u00e9e. Mais que devez-vous prendre en compte exactement ?<\/em><\/p>\n<h2>Emprunter de l&rsquo;argent \u00e0 votre entreprise<\/h2>\n<p>Il existe plusieurs fa\u00e7ons de proc\u00e9der :<\/p>\n<ul>\n<li><strong>Via le compte courant<br \/>\n<\/strong>C&rsquo;est la m\u00e9thode la plus simple. Vous n&rsquo;avez rien \u00e0 comptabiliser, mais vous payez un int\u00e9r\u00eat consid\u00e9rable \u00e0 votre vie priv\u00e9e : 6,48% (taux d&rsquo;imposition valable pour 2022). Votre soci\u00e9t\u00e9 paie l&rsquo;imp\u00f4t sur les soci\u00e9t\u00e9s sur les int\u00e9r\u00eats per\u00e7us.<\/li>\n<li><strong>Par le biais d&rsquo;un pr\u00eat ordinaire \u00e0 \u00e9ch\u00e9ance fixe<br \/>\n<\/strong>L&rsquo;entreprise est alors le pr\u00eateur et vous l&#8217;emprunteur. Le taux d&rsquo;int\u00e9r\u00eat est calcul\u00e9 comme suit :<br \/>\n(P x 24 x n) \/ (n + 1) = taux d&rsquo;int\u00e9r\u00eat<br \/>\nP = le taux mensuel effectif global. Il est de 0,11%, sauf s&rsquo;il s&rsquo;agit d&rsquo;un pr\u00eat pour une voiture. Dans ce cas, il est de 0,05 % (taux d&rsquo;int\u00e9r\u00eat applicable au 1er septembre 2022).<br \/>\nn = le nombre de mois pendant lesquels le pr\u00eat sera en cours.<br \/>\nCette forme de cr\u00e9dit est donc beaucoup plus avantageuse que le compte courant.<\/li>\n<li><strong>via un pr\u00eat hypoth\u00e9caire<br \/>\n<\/strong>Vous donnez un bien en gage et devez \u00e9galement passer devant le notaire. Vous pouvez choisir entre un taux d&rsquo;int\u00e9r\u00eat fixe et un taux d&rsquo;int\u00e9r\u00eat variable. Le taux fixe est de 1,29 %, sauf si le pr\u00eat est garanti par une assurance-vie. Alors c&rsquo;est 1,34%. Le taux d&rsquo;int\u00e9r\u00eat variable doit \u00eatre conforme au march\u00e9. Il est clair que ce n&rsquo;est pas le moyen le plus facile ou le plus souple d&#8217;emprunter de l&rsquo;argent \u00e0 votre entreprise. Les taux mentionn\u00e9s sont applicables au 1er septembre 2022.<\/li>\n<\/ul>\n<h2>Pr\u00eater de l&rsquo;argent \u00e0 votre entreprise<\/h2>\n<p>C&rsquo;est \u00e9galement possible via le compte courant, o\u00f9 votre entreprise doit vous verser un taux d&rsquo;int\u00e9r\u00eat de 4,07%. L&rsquo;entreprise peut d\u00e9duire ces int\u00e9r\u00eats, vous payez un pr\u00e9compte mobilier de 30 % sur ces int\u00e9r\u00eats.\u00a0 (Taux d&rsquo;int\u00e9r\u00eat valable pour l&rsquo;ann\u00e9e d&rsquo;\u00e9valuation 2022)<\/p>\n<p>Vous \u00eates \u00e0 la recherche d&rsquo;options int\u00e9ressantes pour transf\u00e9rer de l&rsquo;argent de votre entreprise vers votre c\u00f4t\u00e9 priv\u00e9 de mani\u00e8re fiscalement avantageuse ? <a href=\"https:\/\/mysavings.be\/fr\/contact\/\">Si c&rsquo;est le cas, venez parler \u00e0 nos sp\u00e9cialistes !<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Emprunter de l&rsquo;argent \u00e0 votre entreprise est une proc\u00e9dure souvent utilis\u00e9e. Mais que devez-vous prendre en compte exactement ? Emprunter de l&rsquo;argent \u00e0 votre entreprise Il existe plusieurs fa\u00e7ons de proc\u00e9der : Via le compte courant C&rsquo;est la m\u00e9thode la plus simple. Vous n&rsquo;avez rien \u00e0 comptabiliser, mais vous payez un int\u00e9r\u00eat consid\u00e9rable \u00e0 votre [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":19215,"template":"","class_list":["post-19233","info","type-info","status-publish","has-post-thumbnail","hentry","category-dossiers"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Emprunter de et \u00e0 votre entreprise - MySavings<\/title>\n<meta name=\"description\" content=\"Emprunter de l&#039;argent \u00e0 votre entreprise est une proc\u00e9dure souvent utilis\u00e9e. Mais que devez-vous prendre en compte exactement ? 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