{"id":3051,"date":"2021-03-03T10:24:35","date_gmt":"2021-03-03T09:24:35","guid":{"rendered":"https:\/\/mysavings.be\/article\/comment-capital-pension-de-mon-assurance-vie-est-il-impose-taxe-sur-epargne-a-long-terme\/"},"modified":"2021-05-13T15:33:38","modified_gmt":"2021-05-13T13:33:38","slug":"comment-capital-pension-de-mon-assurance-vie-est-il-impose-taxe-sur-epargne-a-long-terme","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-a-long-terme\/article\/comment-capital-pension-de-mon-assurance-vie-est-il-impose-taxe-sur-epargne-a-long-terme\/","title":{"rendered":"Comment mon capital-pension de mon assurance-vie est-il impos\u00e9 (taxe sur l\u2019\u00e9pargne \u00e0 long terme) ?"},"content":{"rendered":"<p>L\u2019imp\u00f4t final est pr\u00e9lev\u00e9 via la \u00ab\u00a0taxe sur l\u2019\u00e9pargne \u00e0 long terme\u00a0\u00bb ou, dans le cas o\u00f9 celle-ci n\u2019aurait pas \u00e9t\u00e9 pr\u00e9lev\u00e9e, via votre d\u00e9claration d\u2019imp\u00f4t.<br \/>\nPour les assurances vie fiscales qui ne servent pas \u00e0 reconstituer ou garantir un emprunt hypoth\u00e9caire, la taxe sur l\u2019\u00e9pargne \u00e0 long terme est en principe due\u00a0:<\/p>\n<ul>\n<li><strong>Vous avez souscrit une assurance vie fiscale avant l\u2019\u00e2ge de 55 ans<\/strong><\/li>\n<\/ul>\n<p>Quand vous atteignez l\u2019\u00e2ge de 60 ans votre capital sera soumis \u00e0 une taxe de 10%, appel\u00e9e la \u00ab\u00a0taxe sur l\u2019\u00e9pargne \u00e0 long terme\u00a0\u00bb, m\u00eame si vous ne faites plus de versements. La taxe sera pr\u00e9lev\u00e9e par votre assureur.<br \/>\nSi vous faites encore des versements par la suite, vous ne serez plus impos\u00e9 sur ce capital.<\/p>\n<ul>\n<li><strong>Vous avez souscrit une assurance vie fiscale \u00e0 partir de 55 ans<\/strong><\/li>\n<\/ul>\n<p>Au cours de la 10<sup>e <\/sup>ann\u00e9e de votre contrat votre capital sera soumis \u00e0 une taxe de 10%, appel\u00e9e la \u00ab\u00a0taxe sur l\u2019\u00e9pargne \u00e0 long terme\u00a0\u00bb, m\u00eame si vous ne faites plus de versements.\u00a0 La taxe sera pr\u00e9lev\u00e9e par votre assureur.<br \/>\nSi vous faites encore des versements par la suite, vous ne serez plus impos\u00e9 sur ce capital.<\/p>\n<ul>\n<li>Si vous pr\u00e9levez votre capital avant 60 ans vous serez redevable d\u2019une taxe finale de 33% (les versements effectu\u00e9s avant le 1<sup>er<\/sup> janvier 1992 sont m\u00eame impos\u00e9s au taux marginal, c\u2019est-\u00e0-dire au taux \u00e0 l\u2019imp\u00f4t des personnes physiques). Il est, dans la plupart des cas, d\u00e9conseill\u00e9 de pr\u00e9lever sont capital avant l\u2019\u00e2ge de 60 ans en raison de l\u2019imp\u00f4t \u00e9lev\u00e9 \u00e0 payer.<\/li>\n<li>Vous n\u2019avez jamais b\u00e9n\u00e9fici\u00e9 d\u2019une r\u00e9duction d\u2019imp\u00f4t pour l\u2019\u00e9pargne \u00e0 long terme. Dans ce cas votre capital-pension ne sera pas impos\u00e9.<\/li>\n<\/ul>\n<p><strong>Attention<\/strong>: il suffit d\u2019avoir une fois d\u00e9duit un contrat dans sa d\u00e9claration fiscale pour que l\u2019int\u00e9gralit\u00e9 du capital soit impos\u00e9 en fin de parcours.<br \/>\nConseil : Si vous n\u2019avez jamais profit\u00e9 de la r\u00e9duction d\u2019imp\u00f4t, vous pouvez vous procurer aupr\u00e8s du bureau local des imp\u00f4ts\u00a0 une attestation \u00e0 remettre \u00e0 l\u2019assureur ou l\u2019institution financi\u00e8re afin d\u2019\u00e9viter la taxe sur l\u2019\u00e9pargne \u00e0 long terme.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019imp\u00f4t final est pr\u00e9lev\u00e9 via la \u00ab\u00a0taxe sur l\u2019\u00e9pargne \u00e0 long terme\u00a0\u00bb ou, dans le cas o\u00f9 celle-ci n\u2019aurait pas \u00e9t\u00e9 pr\u00e9lev\u00e9e, via votre d\u00e9claration d\u2019imp\u00f4t. Pour les assurances vie fiscales qui ne servent pas \u00e0 reconstituer ou garantir un emprunt hypoth\u00e9caire, la taxe sur l\u2019\u00e9pargne \u00e0 long terme est en principe due\u00a0: Vous avez [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":233,"template":"","class_list":["post-3051","silo","type-silo","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>Comment mon capital-pension de mon assurance-vie est-il impos\u00e9 ?<\/title>\n<meta name=\"description\" content=\"L&#039;imp\u00f4t final est pr\u00e9lev\u00e9 soit via la \u00ab taxe sur l\u2019\u00e9pargne \u00e0 long terme \u00bb, soit via votre d\u00e9claration d\u2019imp\u00f4t. 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