{"id":1007,"date":"2019-03-12T15:15:45","date_gmt":"2019-03-12T19:15:45","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/technique-de-mise-a-part-de-largent\/"},"modified":"2019-05-16T11:39:37","modified_gmt":"2019-05-16T15:39:37","slug":"technique-de-mise-a-part-de-largent","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/entreprises\/gestion\/technique-de-mise-a-part-de-largent\/","title":{"rendered":"Technique de mise \u00e0 part de l\u2019argent"},"content":{"rendered":"<p>La technique de mise \u00e0 part de l\u2019argent vous permet de r\u00e9duire vos imp\u00f4ts en transformant graduellement vos dettes personnelles, dont les int\u00e9r\u00eats ne sont pas d\u00e9ductibles, en une nouvelle dette servant \u00e0 financer les d\u00e9penses de votre entreprise et dont les int\u00e9r\u00eats seront d\u00e9ductibles.<\/p>\n<p>Cette possibilit\u00e9 est offerte aux travailleurs autonomes, aux propri\u00e9taires d\u2019entreprise individuelle, aux propri\u00e9taires d\u2019immeubles locatifs et aux associ\u00e9s d\u2019une soci\u00e9t\u00e9 en nom collectif.<\/p>\n<h2><strong>Conditions<\/strong><\/h2>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">\u00catre un particulier en affaires dont l\u2019entreprise n\u2019est pas incorpor\u00e9e.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Gagner un revenu imposable \u00e9lev\u00e9.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">D\u00e9tenir des dettes personnelles importantes (pr\u00eat hypoth\u00e9caire r\u00e9sidentiel, pr\u00eat automobile, carte de cr\u00e9dit, etc.).<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Pr\u00e9senter des d\u00e9penses d\u2019affaires appr\u00e9ciables.<\/li>\n<\/ul>\n<h2><strong>Fonctionnement<\/strong><\/h2>\n<p>La technique de mise \u00e0 part de l\u2019argent suppose l\u2019utilisation :<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">de 2 comptes d\u2019\u00e9pargne avec op\u00e9rations distincts permettant d\u2019isoler vos revenus bruts et vos d\u00e9bours\u00e9s d\u2019affaires;<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">d\u2019une <a href=\"https:\/\/www.caissealliance.com\/fr\/produits\/marge-de-credit-hypothecaire\/\" target=\"_blank\" rel=\"noopener\">Marge atout<\/a> (marge de cr\u00e9dit avec garantie hypoth\u00e9caire sur votre r\u00e9sidence principale).<\/li>\n<\/ul>\n<p>Vous utilisez ainsi vos revenus bruts pour :<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">couvrir vos d\u00e9penses personnelles;<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">effectuer vos paiements sur vos dettes d\u2019affaires (s\u2019il y a lieu);<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">rembourser plus rapidement vos dettes personnelles dont les int\u00e9r\u00eats ne sont pas d\u00e9ductibles.<\/li>\n<\/ul>\n<p>Vous financez \u00e0 100 % vos d\u00e9penses d\u2019affaires \u00e0 m\u00eame les avances sur votre marge Atout. Votre marge Atout pourrait aussi faciliter le financement prochain d\u2019un projet personnel (chalet, bateau, nouvelle voiture, etc.).<\/p>\n<h2><strong>Exemple<\/strong><\/h2>\n<p>Un particulier en affaires ayant contract\u00e9 un pr\u00eat hypoth\u00e9caire de 150 000 $, amorti sur 25 ans, pourrait b\u00e9n\u00e9ficier d\u2019une \u00e9conomie totale d\u2019imp\u00f4t de <strong>62 061 $<\/strong>.<\/p>\n<table data-wrap-id=\"table-id-otixv\">\n<tbody>\n<tr data-wrap-id=\"table-row-dxkio\">\n<td data-wrap-id=\"table-cell-xivtc\"><strong>Amortissement*<\/strong><\/td>\n<td data-wrap-id=\"table-cell-fljrw\"><strong>10 ans<\/strong><\/td>\n<td data-wrap-id=\"table-cell-kizep\">&nbsp;<\/td>\n<td data-wrap-id=\"table-cell-angaj\"><strong>25 ans<\/strong><\/td>\n<td data-wrap-id=\"table-cell-wsjgs\">&nbsp;<\/td>\n<\/tr>\n<tr data-wrap-id=\"table-row-xmqtv\">\n<td data-wrap-id=\"table-cell-gnbtk\"><strong>Dettes personnelles converties en dette d\u2019affaires<\/strong><\/td>\n<td data-wrap-id=\"table-cell-fcyjw\">\n<p class=\"ql-align-center\"><strong>Int\u00e9r\u00eats<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-yowrd\">\n<p class=\"ql-align-center\"><strong>\u00c9conomie d\u2019imp\u00f4t<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-onogk\">\n<p class=\"ql-align-center\"><strong>Int\u00e9r\u00eats<\/strong><\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-uiunn\">\n<p class=\"ql-align-center\"><strong>\u00c9conomie d\u2019imp\u00f4t<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr data-wrap-id=\"table-row-ofcqj\">\n<td data-wrap-id=\"table-cell-scxoa\">150 000 $<\/td>\n<td data-wrap-id=\"table-cell-eyslu\">\n<p class=\"ql-align-center\">49 172 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-xoeiq\">\n<p class=\"ql-align-center\">22 127 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-gnrrk\">\n<p class=\"ql-align-center\">137 913 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-hoigc\">\n<p class=\"ql-align-center\">62 061 $<\/p>\n<\/td>\n<\/tr>\n<tr data-wrap-id=\"table-row-lijox\">\n<td data-wrap-id=\"table-cell-ihpmw\">200 000 $<\/td>\n<td data-wrap-id=\"table-cell-cfqkh\">\n<p class=\"ql-align-center\">65 562 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-gdhps\">\n<p class=\"ql-align-center\">29 503 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-vfohn\">\n<p class=\"ql-align-center\">183 884 $<\/p>\n<\/td>\n<td data-wrap-id=\"table-cell-hnxbm\">\n<p class=\"ql-align-center\">82 748 $<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>La technique de mise \u00e0 part de l\u2019argent est accept\u00e9e depuis 2002 par les autorit\u00e9s fiscales.<\/p>\n<p>Consultez un conseiller \u00e0 votre caisse populaire. Il v\u00e9rifiera votre admissibilit\u00e9 et \u00e9valuera avec vous la pertinence de cette strat\u00e9gie, compte tenu de votre situation et de vos besoins.<\/p>\n<p>* Cet exemple suppose un taux d\u2019int\u00e9r\u00eat de 6 % et un taux d\u2019imposition de 45 %.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La technique de mise \u00e0 part de l\u2019argent vous permet de r\u00e9duire vos imp\u00f4ts en transformant graduellement vos dettes personnelles, dont les int\u00e9r\u00eats ne sont pas d\u00e9ductibles, en une nouvelle dette servant \u00e0 financer les d\u00e9penses de votre entreprise et dont les int\u00e9r\u00eats seront d\u00e9ductibles. Cette possibilit\u00e9 est offerte aux travailleurs autonomes, aux propri\u00e9taires d\u2019entreprise [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[47],"tags":[],"class_list":["post-1007","post","type-post","status-publish","format-standard","hentry","category-gestion"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Technique de mise \u00e0 part de l\u2019argent | Caisse Alliance<\/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:\/\/www.caissealliance.com\/fr\/entreprises\/gestion\/technique-de-mise-a-part-de-largent\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Technique de mise \u00e0 part de l\u2019argent | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"La technique de mise \u00e0 part de l\u2019argent vous permet de r\u00e9duire vos imp\u00f4ts en transformant graduellement vos dettes personnelles, dont les int\u00e9r\u00eats ne sont pas d\u00e9ductibles, en une nouvelle dette servant \u00e0 financer les d\u00e9penses de votre entreprise et dont les int\u00e9r\u00eats seront d\u00e9ductibles. 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