{"id":21392,"date":"2016-05-18T15:03:55","date_gmt":"2016-05-18T13:03:55","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/retraite\/perp-comment-recuperer-son-capital-au-depart-a-la-retraite.html"},"modified":"2021-12-08T14:43:01","modified_gmt":"2021-12-08T13:43:01","slug":"perp-comment-recuperer-son-capital-au-depart-a-la-retraite","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/retraite\/perp-comment-recuperer-son-capital-au-depart-a-la-retraite.html","title":{"rendered":"Perp : comment r\u00e9cup\u00e9rer son capital au d\u00e9part \u00e0 la retraite"},"content":{"rendered":"

En th\u00e9orie, le plan d’\u00e9pargne retraite populaire<\/a> (Perp<\/strong>) vise \u00e0 percevoir une rente viag\u00e8re (servie jusqu’au d\u00e9c\u00e8s) \u00e0 compter du d\u00e9part \u00e0 la retraite, en vue de compenser la baisse de revenu apr\u00e8s la vie professionnelle. Toutefois, il est possible de sortir partiellement ou totalement en capital.<\/p>\n

<\/span>Sortie \u00e0 20%<\/span><\/h2>\n

Depuis la r\u00e9forme des retraites de 2010, une sortie \u00e0 hauteur de 20% de la valeur de rachat du Perp (les 80% restants sont transform\u00e9s en rentes) est autoris\u00e9e. Attention : tous les contrats ne pr\u00e9voient pas cette option. Par ailleurs, il faut savoir que les sommes per\u00e7ues sont soumises \u00e0 l’imp\u00f4t sur le revenu.<\/p>\n

L’assur\u00e9 peut \u00e9galement opter pour un pr\u00e9l\u00e8vement forfaitaire lib\u00e9ratoire (PFL<\/strong>) de 7,5%, plus int\u00e9ressant s’il est fortement impos\u00e9. Contrairement \u00e0 l’assurance vie o\u00f9 le PFL s’applique uniquement sur les int\u00e9r\u00eats et les plus-values g\u00e9n\u00e9r\u00e9s par le contrat, le pr\u00e9l\u00e8vement porte sur l’ensemble du capital apr\u00e8s abattement de 10%, soit sur 90% des fonds re\u00e7us. Pour b\u00e9n\u00e9ficier du PFL de 7,5%, le versement du capital ne doit pas \u00eatre fractionn\u00e9, mais r\u00e9alis\u00e9 en une seule fois.<\/p>\n

<\/span>Sortie \u00e0 100%<\/span><\/h2>\n

Le Perp est le seul produit d’\u00e9pargne retraite \u00e0 permettre une sortie \u00e0 100% en capital en cas d’acquisition ou de construction de la r\u00e9sidence principale<\/strong> au moment du d\u00e9part \u00e0 la retraite. L’assur\u00e9 ne doit pas \u00eatre propri\u00e9taire depuis au moins deux ans. Ce dernier crit\u00e8re est supprim\u00e9 si lui ou l’un des occupants du logement est titulaire de la carte d’invalidit\u00e9, per\u00e7oit l’allocation aux adultes handicap\u00e9s (AAH) ou l’allocation d’\u00e9ducation de l’enfant handicap\u00e9 (AEEH) ou s’il a \u00e9t\u00e9 victime d’une catastrophe ayant rendu d\u00e9finitivement inhabitable sa r\u00e9sidence principale.<\/p>\n

Le titulaire du Perp doit adresser \u00e0 son assureur une lettre o\u00f9 il certifie sur l’honneur que le d\u00e9nouement du plan est destin\u00e9 au financement de sa r\u00e9sidence principale et qu’il remplit les crit\u00e8res cit\u00e9s plus haut. S’il a souscrit un cr\u00e9dit immobilier, il doit joindre le plan de financement \u00e9tabli par l’\u00e9tablissement pr\u00eateur dans lequel doit \u00eatre mentionn\u00e9 son apport personnel.<\/p>\n

Un Perp peut \u00e9galement \u00eatre d\u00e9nou\u00e9 \u00e0 100% en capital si la rente servie est inf\u00e9rieure \u00e0 480 euros par an<\/strong> (moins de 40 euros par mois ou moins de 120 euros par trimestre). Cette possibilit\u00e9 est laiss\u00e9e au libre choix de l’assureur, comme l’a rappel\u00e9 une r\u00e9ponse minist\u00e9rielle publi\u00e9e le 16 septembre 2014 au<\/a> Journal Officiel de l’Assembl\u00e9e nationale<\/em>. D’apr\u00e8s les professionnels, la majorit\u00e9 des organismes d’assurance ne s’y opposent pas, voire informent de cette option leurs assur\u00e9s, verser des petites rentes n’\u00e9tant financi\u00e8rement pas rentable pour eux.<\/p>\n

Dans les deux cas de sortie \u00e0 100% en capital, la fiscalit\u00e9 est la m\u00eame que pour la sortie \u00e0 20% : int\u00e9gration des sommes dans les revenus \u00e0 d\u00e9clarer \u00e0 l’administration fiscale ou PFL de 7,5% sur 90% de l’encours. A chaque fois, les fonds sont assujettis \u00e0 la contribution sociale g\u00e9n\u00e9ralis\u00e9e (CSG) \u00e0 6,6%, \u00e0 la contribution au remboursement de la dette sociale (CRDS) \u00e0 0,5% et \u00e0 la contribution additionnelle de solidarit\u00e9 pour l’autonomie (Casa) \u00e0 0,3%. Soit un taux de pr\u00e9l\u00e8vements sociaux de 7,4%.<\/p>\n

<\/span>Les cas de d\u00e9blocage anticip\u00e9<\/span><\/h2>\n

Le Perp pr\u00e9voit des rachats totaux exceptionnels avant le d\u00e9part \u00e0 la retraite. Ils sont autoris\u00e9s dans cinq cas de figure li\u00e9s \u00e0 des accidents de la vie :<\/p>\n

– d\u00e9c\u00e8s du conjoint mari\u00e9 ou du partenaire de Pacs
\n– invalidit\u00e9
\n– surendettement
\n– liquidation des droits au ch\u00f4mage apr\u00e8s un licenciement
\n– cessation d\u2019activit\u00e9 non salari\u00e9e \u00e0 la suite d\u2019un jugement de liquidation judiciaire.<\/p>\n

Le projet de loi sur la transparence, la lutte contre la corruption et la modernisation de l\u2019activit\u00e9 \u00e9conomique, dit \u00ab Sapin 2 \u00bb, instaure un rachat anticip\u00e9 pour les Perp qui n\u2019ont pas \u00e9t\u00e9 aliment\u00e9s depuis longtemps et dont l\u2019encours ne d\u00e9passe pas 1.500 \u00e0 2.000 euros. Pr\u00e9sent\u00e9 en Conseil des ministres le 30 mars, le texte n\u2019a pas encore \u00e9t\u00e9 examin\u00e9 au Parlement.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"

Contrairement aux id\u00e9es re\u00e7ues, le plan d’\u00e9pargne retraite populaire ne propose pas seulement le versement de rentes viag\u00e8res apr\u00e8s la vie active. \u00a0<\/p>\n","protected":false},"author":13713,"featured_media":21391,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-21392","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-epargne-retraite"],"acf":[],"yoast_head":"\nPerp : comment r\u00e9cup\u00e9rer son capital au d\u00e9part \u00e0 la retraite<\/title>\n<meta name=\"description\" content=\"Contrairement aux id\u00e9es re\u00e7ues, le plan d'\u00e9pargne retraite populaire ne propose pas seulement le versement de rentes viag\u00e8res apr\u00e8s la vie active.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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