{"id":3059,"date":"2021-03-03T10:24:49","date_gmt":"2021-03-03T09:24:49","guid":{"rendered":"https:\/\/mysavings.be\/article\/prime-pour-epargne-a-long-terme-vous-donne-droit-a-la-deduction-pour-habitation-propre-et-unique\/"},"modified":"2021-05-16T11:58:10","modified_gmt":"2021-05-16T09:58:10","slug":"prime-pour-epargne-a-long-terme-vous-donne-droit-a-la-deduction-pour-habitation-propre-et-unique","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-a-long-terme\/article\/prime-pour-epargne-a-long-terme-vous-donne-droit-a-la-deduction-pour-habitation-propre-et-unique\/","title":{"rendered":"La prime pour \u00e9pargne \u00e0 long terme vous donne-t-elle droit \u00e0 la d\u00e9duction pour habitation propre et unique?"},"content":{"rendered":"<p><strong>Oui, mais cela reste une exception<\/strong>. Pour qu\u2019elle soit d\u00e9ductible, il faut que les conditions suivantes soient respect\u00e9es:<\/p>\n<ul>\n<li>Il s\u2019agit d\u2019une <strong>assurance-vie individuelle<\/strong>.<\/li>\n<li>Les primes sont pay\u00e9es \u00e0 <strong>titre d\u00e9finitif<\/strong> dans le but de constituer une rente ou un capital en cas de vie ou d\u00e9c\u00e8s.<\/li>\n<li>Le capital doit servir exclusivement \u00e0 la constitution d\u2019une garantie pour le cr\u00e9dit hypoth\u00e9caire qui rentre en ligne de compte pour la d\u00e9duction de l\u2019habitation propre et unique.<\/li>\n<li>Le contrat est souscrit:\n<ul>\n<li>aupr\u00e8s d\u2019une institution \u00e9tablie dans l<strong>\u2019Espace Economique Europ\u00e9en<\/strong><\/li>\n<li>Par vous-m\u00eame, dans lequel vous \u00eates le seul assur\u00e9<\/li>\n<li><strong>avant l\u2019\u00e2ge de 65 ans<\/strong><\/li>\n<\/ul>\n<\/li>\n<li>Pour une\u00a0 dur\u00e9e de <strong>minimum 10 ans<\/strong> si des avantages sont pr\u00e9vus en cas de vie<\/li>\n<li>Le contrat pr\u00e9voit comme<strong> b\u00e9n\u00e9ficiaire<\/strong>(s):\n<ul>\n<li>en cas de vie: vous-m\u00eame, \u00e0 partir de l\u2019\u00e2ge de 65 ans<\/li>\n<li>en cas de d\u00e9c\u00e8s: en faveur des personnes qui suite \u00e0 votre d\u00e9c\u00e8s obtiennent la pleine propri\u00e9t\u00e9 ou l\u2019usufruit de l\u2019habitation<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>L\u2019espace fiscal disponible dans le cadre de l\u2019habitation propre et unique est tr\u00e8s vite rempli par votre emprunt. Mis \u00e0 part le cas o\u00f9 votre emprunt est souscrit en fin d\u2019ann\u00e9e, ce qui donnerait une corbeille fiscale d\u00e9ductible qui pourrait se remplir par la prime unique pay\u00e9e pour la souscription de l\u2019assurance-solde restant d\u00fb, il est rare qu\u2019une assurance-vie soit int\u00e9ressante \u00e0 d\u00e9duire.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Oui, mais cela reste une exception. Pour qu\u2019elle soit d\u00e9ductible, il faut que les conditions suivantes soient respect\u00e9es: Il s\u2019agit d\u2019une assurance-vie individuelle. Les primes sont pay\u00e9es \u00e0 titre d\u00e9finitif dans le but de constituer une rente ou un capital en cas de vie ou d\u00e9c\u00e8s. Le capital doit servir exclusivement \u00e0 la constitution d\u2019une [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":241,"template":"","class_list":["post-3059","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00e9duction pour habitation propre gr\u00e2ce \u00e0 la prime pour \u00e9pargne long terme<\/title>\n<meta name=\"description\" content=\"Effectivement, c&#039;est possible, cependant cela reste une exception. 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