{"id":17718,"date":"2022-08-27T15:38:09","date_gmt":"2022-08-27T13:38:09","guid":{"rendered":"https:\/\/mysavings.be\/?post_type=product&#038;p=17718"},"modified":"2022-08-27T15:38:09","modified_gmt":"2022-08-27T13:38:09","slug":"planification-successorale-en-pratique","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/nos-produits\/investissement-prive\/placement-mixte-branche-44\/Information\/planification-successorale-en-pratique\/","title":{"rendered":"Planification successorale en pratique"},"content":{"rendered":"<ul>\n<li>Etape 1:\u00a0Donation\u00a0de l\u2019argent \u00e0 un b\u00e9n\u00e9ficiaire\u00a0; par exemple Pierre donne \u00e0 son neveu Luc qui a 16 ans.<\/li>\n<li>Etape 2: l\u2019argent est plac\u00e9 dans un\u00a0contrat d\u2019assurance-vie\n<ul>\n<li>\u200b\u200bPreneur d\u2019assurance: b\u00e9n\u00e9ficiaire (celui ou celle qui a re\u00e7u l\u2019argent, Luc)<\/li>\n<li>Assur\u00e9: b\u00e9n\u00e9ficiaire (Luc)<\/li>\n<li>B\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s\u00a0de Luc: le donateur (Pierre)<\/li>\n<li>B\u00e9n\u00e9ficiaire en cas de vie\u00a0(si le contrat a un terme): b\u00e9n\u00e9ficiaire (Luc)\u200b<\/li>\n<\/ul>\n<\/li>\n<li>Etape 3: Pr\u00e9voir une\u00a0clause de retour conventionnelle:\n<ul>\n<li>cela signifie qu\u2019en cas de d\u00e9c\u00e8s du donataire avant le donateur, les biens donn\u00e9s reviennent au donateur sans que des droits de succession ne soient dus. En d\u2019autres mots, la donation est compl\u00e8tement annul\u00e9e et retourne \u00e0 son propri\u00e9taire initial. Faites attention \u00e0 ce que l\u2019ensemble des conditions n\u00e9cessaires pour la bonne application de cette clause soient reprises dans votre contrat. Le capital qui retourne au donateur peut \u00eatre plus important que le capital donn\u00e9 (li\u00e9 aux int\u00e9r\u00eats), l\u2019exc\u00e9dent est soumis aux droits de succession. Vous pouvez lors de la r\u00e9daction du contrat stipuler si cet exc\u00e9dent doit ou non retourner chez le donateur ou tomber dans la succession<\/li>\n<\/ul>\n<\/li>\n<li>Etape 4: Le donateur doit\u00a0accepter formellement le b\u00e9n\u00e9fice\u00a0du contrat\u00a0afin de s\u2019assurer que le preneur d\u2019assurance ne puisse rien r\u00e9cup\u00e9rer ni transmettre les droits du contrat sans l\u2019accord formel du donateur.<\/li>\n<li>Etape 5: Le donateur peut pr\u00e9voir le\u00a0paiement d\u2019une rente annuelle\u00a0\u00e0 son profit, id\u00e9alement limit\u00e9e \u00e0 4% par an du montant donn\u00e9.<\/li>\n<li>Etape 6: En cas de d\u00e9c\u00e8s du donateur\u00a03 ans apr\u00e8s la donation, aucun droit de succession n\u2019est du. Dans le cas d\u2019un d\u00e9c\u00e8s annonc\u00e9 dans les 3 ans, il est toujours possible d\u2019aller enregistrer la donation en \u00ab\u00a0derni\u00e8re minute\u00a0\u00bb pour faire sauter cette condition des 3 ans.<\/li>\n<\/ul>\n<p>Il n&rsquo;y a pas de droits de succession \u00e0 la condition de pouvoir prouver les \u00e9l\u00e9ments suivants:<\/p>\n<ul>\n<li>La donation\u00a0(via courrier recommand\u00e9, acte notari\u00e9, donation indirecte ou don manuel).<\/li>\n<li>La date de la donation<\/li>\n<li>L&rsquo;acte de donation doit pr\u00e9voir la clause de retour conventionnelle<\/li>\n<li>L&rsquo;assurance-vie doit \u00eatre correctement souscrite avec le donateur mentionn\u00e9 comme b\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s et le donataire comme preneur et assur\u00e9<\/li>\n<li>il doit \u00eatre express\u00e9ment fait mention dans le contrat de la clause de retour conventionnelle mentionn\u00e9e dans la donation<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Etape 1:\u00a0Donation\u00a0de l\u2019argent \u00e0 un b\u00e9n\u00e9ficiaire\u00a0; par exemple Pierre donne \u00e0 son neveu Luc qui a 16 ans. Etape 2: l\u2019argent est plac\u00e9 dans un\u00a0contrat d\u2019assurance-vie \u200b\u200bPreneur d\u2019assurance: b\u00e9n\u00e9ficiaire (celui ou celle qui a re\u00e7u l\u2019argent, Luc) Assur\u00e9: b\u00e9n\u00e9ficiaire (Luc) B\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s\u00a0de Luc: le donateur (Pierre) B\u00e9n\u00e9ficiaire en cas de vie\u00a0(si le [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":17713,"menu_order":4,"template":"","class_list":["post-17718","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Planification successorale en pratique l MySavings<\/title>\n<meta name=\"description\" content=\"Nos experts vous guident dans la planification de votre succession l MySavings, votre expert pension\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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