{"id":3074,"date":"2021-03-03T10:25:02","date_gmt":"2021-03-03T09:25:02","guid":{"rendered":"https:\/\/mysavings.be\/article\/comment-mon-capital-pension-est-impose\/"},"modified":"2021-04-23T13:35:59","modified_gmt":"2021-04-23T11:35:59","slug":"comment-mon-capital-pension-est-impose","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-pension\/article\/comment-mon-capital-pension-est-impose\/","title":{"rendered":"Comment mon capital pension est-il impos\u00e9 (taxe sur l\u2019\u00e9pargne long terme)?"},"content":{"rendered":"<p>L\u2019imp\u00f4t est pr\u00e9lev\u00e9 via une taxe sur l\u2019\u00e9pargne long terme ou, quand cette taxe n\u2019est pas pr\u00e9lev\u00e9e, via votre d\u00e9claration d\u2019imp\u00f4ts.<br \/>\nPour les comptes d\u2019\u00e9pargne pension et assurances \u00e9pargne pension qui ne servent pas de garantie ou de reconstitution pour un emprunt hypoth\u00e9caire, cette taxe est, en principe, payables selon les cas suivants\u00a0:<\/p>\n<p>o\u00a0\u00a0\u00a0 <strong>Vous avez souscrit un contrat d\u2019\u00e9pargne pension avant vos 55ans<\/strong><br \/>\nLors de vos 60ans, votre capital sera soumis \u00e0 une taxe de 8%, la taxe sur l\u2019\u00e9pargne long terme, m\u00eame si vous ne faites plus de versements \u00e0 ce moment-l\u00e0. La taxe sera directement retenue par votre banque ou compagnie d\u2019assurance et vous recevrez un document vous avertissant du pr\u00e9l\u00e8vement de celle-ci.<br \/>\nSi, apr\u00e8s cela, vous effectuez encore des versements, vous ne paierez plus de taxe sur ce montant alors que la d\u00e9duction reste effective jusqu\u2019\u00e0 l\u2019ann\u00e9e pr\u00e9c\u00e9dent vos 65 ans.<\/p>\n<p>o\u00a0\u00a0<strong>\u00a0 Vous avez souscrit un contrat d\u2019\u00e9pargne pension \u00e0 partir de vos 55 ans<\/strong><br \/>\nLors du dixi\u00e8me anniversaire de votre contrat, votre capital sera soumis \u00e0 une taxe de 8%, la taxe sur l\u2019\u00e9pargne long terme, m\u00eame si \u00e0 ce moment-l\u00e0 vous n\u2019effectuez plus de versements. La taxe sera retenue par la banque ou la compagnie d\u2019assurance.<\/p>\n<ul>\n<li>Si vous reprenez votre capital avant vos 60ans, vous devrez payer un imp\u00f4t final de 33% ( pour les versements effectu\u00e9s avant le 1er janvier 1992, une imposition au taux marginal est appliqu\u00e9e, donc au taux d\u2019imp\u00f4ts des personnes physiques souvent \u00e9gal \u00e0 50%).<\/li>\n<li>Vous n\u2019avez jamais profit\u00e9 de la r\u00e9duction d\u2019imp\u00f4t pour l\u2019\u00e9pargne-pension<\/li>\n<\/ul>\n<p>Dans ce cas votre capital ne sera pas impos\u00e9.<br \/>\n<strong>Attention<\/strong> : si vous profitez ne serait-ce qu\u2019une seule fois de la r\u00e9duction d\u2019imp\u00f4t, vous serez tout de m\u00eame impos\u00e9 \u00e0 la fin du contrat sur l\u2019enti\u00e8ret\u00e9 du capital!<\/p>\n<p>Conseil : 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 est pr\u00e9lev\u00e9 via une taxe sur l\u2019\u00e9pargne long terme ou, quand cette taxe n\u2019est pas pr\u00e9lev\u00e9e, via votre d\u00e9claration d\u2019imp\u00f4ts. Pour les comptes d\u2019\u00e9pargne pension et assurances \u00e9pargne pension qui ne servent pas de garantie ou de reconstitution pour un emprunt hypoth\u00e9caire, cette taxe est, en principe, payables selon les cas suivants\u00a0: o\u00a0\u00a0\u00a0 Vous [&hellip;]<\/p>\n","protected":false},"featured_media":6545,"parent":0,"menu_order":2,"template":"","class_list":["post-3074","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>Comment mon capital pension est-il impos\u00e9 ? | MySavings<\/title>\n<meta name=\"description\" content=\"L\u2019imp\u00f4t est pr\u00e9lev\u00e9 via une taxe sur l\u2019\u00e9pargne long terme ou, quand cette taxe n\u2019est pas pr\u00e9lev\u00e9e, via votre d\u00e9claration d\u2019imp\u00f4ts.\" \/>\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\/epargne-pension\/article\/comment-mon-capital-pension-est-impose\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment mon capital pension est-il impos\u00e9 ? 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