{"id":3188,"date":"2021-03-03T10:27:37","date_gmt":"2021-03-03T09:27:37","guid":{"rendered":"https:\/\/mysavings.be\/article\/rente-fictive-dans-un-contrat-inami\/"},"modified":"2021-05-06T16:39:16","modified_gmt":"2021-05-06T14:39:16","slug":"rente-fictive-dans-un-contrat-inami","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire\/article\/rente-fictive-dans-un-contrat-inami\/","title":{"rendered":"Qu\u2019entendons-nous par \u201crente fictive\u201d dans un contrat INAMI?"},"content":{"rendered":"<p><strong>Avez-vous per\u00e7u un capital pension? <\/strong><\/p>\n<p>Alors vous devrez d\u00e9clarer un pourcentage de ce capital comme pension dans votre d\u00e9claration d\u2019imp\u00f4ts durant un certain nombre d\u2019ann\u00e9es. Ce pourcentage est appel\u00e9 <strong>rente fictive<\/strong>. Il\u00a0 d\u00e9pend de l\u2019\u00e2ge auquel vous percevez le capital. Il ne d\u00e9passe jamais les 5%. Vous devez d\u00e9clarer la rente fictive dans votre d\u00e9claration d\u2019imp\u00f4ts pendant 13 ans, \u00e0 moins que vous ayez 65 ans au moment de la perception du capital. Dans ce cas, vous ne devez d\u00e9clarer la rente fictive que pendant 10 ans.<\/p>\n<p>Votre rente fictive est impos\u00e9e chaque ann\u00e9e au taux progressif de l\u2019imp\u00f4t des personnes physiques au m\u00eame titre que votre pension l\u00e9gale. C\u2019est fiscalement plus avantageux qu\u2019une taxation unique sur l\u2019enti\u00e8ret\u00e9 du capital.<\/p>\n<p>Si vous percevez le capital pension au plus t\u00f4t \u00e0 vos 65 ans et si vous travaillez jusqu\u2019\u00e0 vos 65 ans, alors seul 80% du capital sera converti en une rente fictive. Les 20% restant ne sont donc pas tax\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avez-vous per\u00e7u un capital pension? Alors vous devrez d\u00e9clarer un pourcentage de ce capital comme pension dans votre d\u00e9claration d\u2019imp\u00f4ts durant un certain nombre d\u2019ann\u00e9es. Ce pourcentage est appel\u00e9 rente fictive. Il\u00a0 d\u00e9pend de l\u2019\u00e2ge auquel vous percevez le capital. Il ne d\u00e9passe jamais les 5%. Vous devez d\u00e9clarer la rente fictive dans votre d\u00e9claration [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":116,"template":"","class_list":["post-3188","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu\u2019entendons-nous par \u201crente fictive\u201d dans un contrat INAMI? - MySavings<\/title>\n<meta name=\"description\" content=\"Pension libre compl\u00e9mentaire | La &quot;rente fictive&quot; dans un contrat INAMI: qu&#039;est ce que c&#039;est ? | MySavings, votre expert pension\" \/>\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\/rente-fictive-dans-un-contrat-inami\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u2019entendons-nous par \u201crente fictive\u201d dans un contrat INAMI? 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