{"id":2824,"date":"2011-06-14T12:40:31","date_gmt":"2011-06-14T10:40:31","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=2824"},"modified":"2011-06-14T12:40:31","modified_gmt":"2011-06-14T10:40:31","slug":"fiscalite-adoucie-pour-le-2eme-et-le-3eme-pilier-a","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2011\/06\/14\/fiscalite-adoucie-pour-le-2eme-et-le-3eme-pilier-a\/","title":{"rendered":"14\/06\/2011 Fiscalit\u00e9 adoucie pour le 2\u00e8me et le 3\u00e8me pilier A"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">Apr\u00e8s 6 mois d\u2019inqui\u00e9tude et d\u2019incertitude, la nouvelle concernant la taxation du<strong> retrait en capital des avoirs du 2<sup>\u00e8me<\/sup> et 3<sup>\u00e8me<\/sup> pilier A <\/strong>vient de tomber\u00a0:<\/p>\n<p style=\"text-align: justify;\">L\u2019\u00e9tat fran\u00e7ais accepte de revoir la loi de finance promulgu\u00e9e en fin d\u2019ann\u00e9e 2010. D\u2019une taxation au titre de l\u2019imp\u00f4t sur le revenu pouvant aller jusqu\u2019\u00e0 37%, nous passerons \u00e0 un imp\u00f4t forfaitaire de 6,75% (7,5% apr\u00e8s un abattement de 10%).<\/p>\n<p style=\"text-align: justify;\">Sous la pression des \u00e9lus de la <strong>zone frontali\u00e8re<\/strong> et du <strong>groupement des frontaliers<\/strong>, le gouvernement fran\u00e7ais a donc accept\u00e9 de revoir sa copie et conform\u00e9ment \u00e0 son engagement avec une imposition moins importante que celle pratiqu\u00e9e en Suisse. Si des discussions sont en cours au parlement,\u00a0 men\u00e9es notamment par le d\u00e9put\u00e9 haut-savoyard Marcel Sadi\u00e9, le vote de la loi devrait intervenir rapidement avec un effet r\u00e9troactif au 1<sup>er<\/sup> Janvier 2011. Bonne nouvelle pour les futurs retrait\u00e9s et pour tous ceux qui ont retir\u00e9 leur <strong>2<sup>\u00e8me<\/sup> pilier <\/strong>pour acheter leur r\u00e9sidence principale.<\/p>\n<p style=\"text-align: justify;\">Excellente nouvelle aussi pour ceux qui ont choisi d\u2019<strong>int\u00e9grer <\/strong>un<strong> troisi\u00e8me pilier <\/strong>dans leur <strong>financement<\/strong>. Le nouvel<strong> impact fiscal<\/strong> \u00e9tant r\u00e9duit, cela ne devrait pas remettre en cause le montage choisi. Dans ces nouvelles conditions, l\u2019emprunteur devrait tout de m\u00eame <strong>payer <\/strong>\u00e0 l\u2019\u00e9tat fran\u00e7ais un <strong>imp\u00f4t<\/strong> \u00e9quivalent \u00e0 10 125 CHF pour un <strong>3<\/strong><strong><sup>\u00e8me<\/sup> pilier\u00a0 A<\/strong> valoris\u00e9 \u00e0 son terme \u00e0 CHF 150&#8217;000.- Soit environ 5 ans de l\u2019\u00e9conomie fiscale r\u00e9alis\u00e9e sur l\u2019imp\u00f4t \u00e0 la source\u2026.<\/p>\n<p style=\"text-align: justify;\"><span style=\"text-decoration: underline;\"><span style=\"color: #610061;\"><strong>Faut-il encore int\u00e9grer le 3<sup>\u00e8me<\/sup> pilier A dans le cr\u00e9dit immobilier qui financera son logement\u00a0?<\/strong><\/span><\/span><\/p>\n<p style=\"text-align: justify;\">Non, si votre<strong> taux d\u2019imposition<\/strong> \u00e0 la source est inf\u00e9rieur \u00e0 20%, c\u2019est \u00e0 dire 140&#8217;000.- CHF de revenu pour un(e) c\u00e9libataire, 211&#8217;000.- CHF pour un couple mari\u00e9 sans enfant 237&#8217;000 CHF pour un couple avec 1 enfant\u2026&#8230; Ce type de montage ne concerne que les<strong> frontaliers genevois<\/strong> poss\u00e9dant un solide revenu. Dans tous les cas, demandez un calcul d\u00e9taill\u00e9 compr\u00e9hensible de la part de celui qui vous proposera ce type de solution.<\/p>\n<p style=\"text-align: justify;\">Et si vous ne comprenez pas ce type de <strong>financement<\/strong>, passez votre chemin et optez pour une solution classique\u2026.Trop compliqu\u00e9 est trop souvent synonyme de trop cher\u00a0!<\/p>\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Apr\u00e8s 6 mois d\u2019inqui\u00e9tude et d\u2019incertitude, la nouvelle concernant la taxation du retrait en capital des avoirs du 2\u00e8me et 3\u00e8me pilier A vient de tomber\u00a0: L\u2019\u00e9tat fran\u00e7ais accepte de revoir la loi de finance promulgu\u00e9e en fin d\u2019ann\u00e9e 2010. D\u2019une taxation au titre de l\u2019imp\u00f4t sur le revenu pouvant aller jusqu\u2019\u00e0 37%, nous [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,24],"tags":[],"class_list":{"0":"post-2824","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-argent-patrimoine","7":"category-fiscalite","8":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>14\/06\/2011 Fiscalit\u00e9 adoucie pour le 2\u00e8me et le 3\u00e8me pilier A - Mon-taux.com - Blog des experts en frontaliers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mon-taux.com\/blog\/2011\/06\/14\/fiscalite-adoucie-pour-le-2eme-et-le-3eme-pilier-a\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"14\/06\/2011 Fiscalit\u00e9 adoucie pour le 2\u00e8me et le 3\u00e8me pilier A - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"&nbsp; Apr\u00e8s 6 mois d\u2019inqui\u00e9tude et d\u2019incertitude, la nouvelle concernant la taxation du retrait en capital des avoirs du 2\u00e8me et 3\u00e8me pilier A vient de tomber\u00a0: L\u2019\u00e9tat fran\u00e7ais accepte de revoir la loi de finance promulgu\u00e9e en fin d\u2019ann\u00e9e 2010. 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