{"id":2984,"date":"2021-03-03T10:23:15","date_gmt":"2021-03-03T09:23:15","guid":{"rendered":"https:\/\/mysavings.be\/article\/externalisation-promesse-interne-de-pension\/"},"modified":"2021-04-28T16:04:12","modified_gmt":"2021-04-28T14:04:12","slug":"externalisation-promesse-interne-de-pension","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire\/article\/externalisation-promesse-interne-de-pension\/","title":{"rendered":"Externalisation d&rsquo;une promesse interne de pension"},"content":{"rendered":"<p>Par le pass\u00e9, il \u00e9tait possible de se constituer une pension via une convention de pension sous seing priv\u00e9 avec sa soci\u00e9t\u00e9. Celle-ci est financ\u00e9e par une provision interne au bilan.<br \/>\nDepuis le premier janvier 2012, toutes les pensions compl\u00e9mentaires doivent \u00eatre souscrites ext\u00e9rieurement. Il n\u2019est donc plus permis de se constituer une promesse interne de pension. Pour les promesses internes de pension existantes, aucune nouvelle provision ne peut \u00eatre constitu\u00e9e au bilan de la soci\u00e9t\u00e9.<\/p>\n<p>Si vous avez une promesse interne de pension, vous avez la possibilit\u00e9 de l\u2019externaliser. Dans tous les cas, que vous externalisez ou non, la soci\u00e9t\u00e9 devra payer une taxe unique de 1,75% (0,6% en cas d\u2019\u00e9talement sur trois ans).<\/p>\n<p>Avantages de l\u2019EIP par rapport \u00e0 la promesse interne de pension\u00a0:<\/p>\n<ul>\n<li>Protection en cas de faillite<\/li>\n<li>Conditions plus souples pour profiter d\u2019une taxation favorable \u00e0 partir de 60 ans (pas d\u2019obligation de prendre sa pension ou de d\u00e9poser son mandat).<\/li>\n<li>Taxation \u00e0 10% possible (65 ans).<\/li>\n<li>Possibilit\u00e9 de financement immobilier.<\/li>\n<li>Pas de taxe de 4,4% \u00e0 l\u2019entr\u00e9e en cas d\u2019externalisation.<\/li>\n<li>Pas de cotisation Wijninckx (1,50%) en cas d\u2019externalisation.<\/li>\n<\/ul>\n<p>Nous vous rappelons qu\u2019en cas de maintien de la promesse interne de pension, il vous faudra prendre votre retraite et d\u00e9poser le mandat pour b\u00e9n\u00e9ficier de la taxation de 16,5% (aussi valable en cas de d\u00e9c\u00e8s). Si le versement du capital se fait dans d\u2019autres circonstances, vous serez tax\u00e9 au taux marginal.<\/p>\n<p>Ceci est une raison suppl\u00e9mentaire d\u2019externaliser la promesse interne de pension, notamment pour les personnes qui d\u00e9sirent continuer \u00e0 travailler apr\u00e8s 65 ans.<\/p>\n<p><strong>Conseils\u00a0:<\/strong> Si les liquidit\u00e9s dans votre soci\u00e9t\u00e9 vous le permettent, nous vous conseillons d\u2019externaliser votre promesse interne de pension.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Par le pass\u00e9, il \u00e9tait possible de se constituer une pension via une convention de pension sous seing priv\u00e9 avec sa soci\u00e9t\u00e9. Celle-ci est financ\u00e9e par une provision interne au bilan. Depuis le premier janvier 2012, toutes les pensions compl\u00e9mentaires doivent \u00eatre souscrites ext\u00e9rieurement. Il n\u2019est donc plus permis de se constituer une promesse interne [&hellip;]<\/p>\n","protected":false},"featured_media":1479,"parent":0,"menu_order":166,"template":"","class_list":["post-2984","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Externalisation d&#039;une promesse interne de pension - MySavings<\/title>\n<meta name=\"description\" content=\"Par le pass\u00e9, il \u00e9tait possible de se constituer une pension via une convention de pension sous seing priv\u00e9 avec sa soci\u00e9t\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire\/article\/externalisation-promesse-interne-de-pension\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Externalisation d&#039;une promesse interne de pension - 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