{"id":880,"date":"2021-02-24T22:39:06","date_gmt":"2021-02-24T21:39:26","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/fiscalite-2\/"},"modified":"2021-03-24T10:57:55","modified_gmt":"2021-03-24T09:57:55","slug":"fiscalite-2","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-a-long-terme\/Information\/fiscalite-2\/","title":{"rendered":"Fiscalit\u00e9"},"content":{"rendered":"<p>Vous r\u00e9cup\u00e9rerez\u00a0en moyenne 32,1% de la prime vers\u00e9e \u00e0 l\u2019imp\u00f4t des personnes physiques.<\/p>\n<p>La taxation finale s&rsquo;\u00e9l\u00e8ve \u00e0 10%.<\/p>\n<p>Vos versements pour l\u2019\u00e9pargne \u00e0 long terme entrent en ligne de compte pour la r\u00e9duction d\u2019imp\u00f4t si les conditions suivantes sont remplies\u00a0:<\/p>\n<ul>\n<li>Vous \u00eates r\u00e9sident belge<\/li>\n<li>Vous avez au moins 18 ans et moins de 65 ans au moment de la souscription du contrat<\/li>\n<li>Les primes restent <strong>d\u00e9ductibles apr\u00e8s 65 ans<\/strong><\/li>\n<li>Le contrat a <strong>une dur\u00e9e minimale de 10 ans<\/strong><\/li>\n<\/ul>\n<p>Il est mentionn\u00e9 dans le contrat\u00a0:<\/p>\n<ul>\n<li>Vous \u00eates b\u00e9n\u00e9ficiaire en cas de vie<\/li>\n<li><strong>En cas de d\u00e9c\u00e8s\u00a0sont b\u00e9n\u00e9ficiaires : vos h\u00e9ritiers (= votre conjoint(e) ou votre cohabitant(e) l\u00e9gal(e) ou un parent jusqu\u2019au deuxi\u00e8me degr\u00e9)<\/strong><\/li>\n<\/ul>\n<p>Si le contrat sert d\u2019assurance solde restant d\u00fb pour un emprunt pour l\u2019acquisition ou la conservation d\u2019un bien immobilier\u00a0:<\/p>\n<ul>\n<li>Les b\u00e9n\u00e9ficiaires de la partie du capital qui sert \u00e0 reconstituer ou \u00e0 garantir l\u2019emprunt sont les h\u00e9ritiers qui recevront la pleine propri\u00e9t\u00e9 ou l\u2019usufruit du bien immobilier lors de votre d\u00e9c\u00e8s<\/li>\n<li>Les b\u00e9n\u00e9ficiaires du solde du capital sont vos h\u00e9ritiers (= votre conjoint(e) ou votre cohabitant(e) l\u00e9gal(e) ou un parent jusqu\u2019au deuxi\u00e8me degr\u00e9)<\/li>\n<\/ul>\n<p>Vous recevrez de la part de l\u2019assureur une attestation de base.<\/p>\n<p><strong>MySavings v\u00e9rifie que votre contrat remplisse les crit\u00e8res susmentionn\u00e9s, afin que vous puissiez sans souci d\u00e9duire fiscalement les montants vers\u00e9s.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vos versements pour l\u2019\u00e9pargne \u00e0 long terme entrent en ligne de compte pour la r\u00e9duction d\u2019imp\u00f4t si les conditions suivantes sont remplies\u00a0:<\/p>\n","protected":false},"featured_media":0,"parent":674,"menu_order":1,"template":"","class_list":["post-880","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fiscalit\u00e9 de l&#039;\u00e9pargne \u00e0 long terme | MySavings, votre expert pension<\/title>\n<meta name=\"description\" content=\"Vous avez des questions sur la fiscalit\u00e9 de l&#039;\u00e9pargne \u00e0 long terme ? 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