{"id":19825,"date":"2024-01-29T11:08:43","date_gmt":"2024-01-29T16:08:43","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/?p=19825"},"modified":"2024-01-29T11:08:44","modified_gmt":"2024-01-29T16:08:44","slug":"what-is-the-first-home-savings-account-fhsa-and-is-it-right-for-you","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/what-is-the-first-home-savings-account-fhsa-and-is-it-right-for-you","title":{"rendered":"Qu\u2019est-ce que le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP) et vous convient-il\u00a0?"},"content":{"rendered":"\n

Lanc\u00e9 par le gouvernement f\u00e9d\u00e9ral en 2023, le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP) est un compte enregistr\u00e9 destin\u00e9 \u00e0 aider les Canadiens \u00e0 \u00e9pargner pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9, tout en profitant d\u2019avantages fiscaux importants. M\u00eame si vous poss\u00e9dez d\u00e9j\u00e0 une propri\u00e9t\u00e9, les jeunes membres de votre famille peuvent b\u00e9n\u00e9ficier d\u2019un CELIAPP.<\/p>\n\n\n\n

Ce type de compte combine les avantages d\u2019un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER)<\/a> et d\u2019un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)<\/a>. Voici quelques conseils pour vous aider \u00e0 d\u00e9terminer si un CELIAPP vous convient.<\/p>\n\n\n\n

1. Il n\u2019est pas n\u00e9cessaire d\u2019\u00eatre un acheteur d\u2019une premi\u00e8re propri\u00e9t\u00e9 pour ouvrir un CELIAPP<\/strong><\/strong><\/h2>\n\n\n\n

Vous pouvez ouvrir un CELIAPP si vous \u00eates consid\u00e9r\u00e9 comme un acheteur d\u2019une premi\u00e8re propri\u00e9t\u00e9. Autrement dit, vous et votre conjoint ne devez pas avoir \u00e9t\u00e9 propri\u00e9taires d\u2019une habitation dans laquelle vous avez v\u00e9cu cette ann\u00e9e ou \u00e0 tout moment au cours des quatre ann\u00e9es civiles pr\u00e9c\u00e9dentes.<\/p>\n\n\n\n

M\u00eame si vous et votre conjoint avez d\u00e9j\u00e0 achet\u00e9 une propri\u00e9t\u00e9, mais que cette acquisition remonte \u00e0 plus de quatre ans, vous \u00eates strictement parlant consid\u00e9r\u00e9 comme un \u00ab acheteur d\u2019une premi\u00e8re propri\u00e9t\u00e9 \u00bb et vous pouvez tous les deux ouvrir un CELIAPP. Vous devez \u00e9galement \u00eatre un r\u00e9sident canadien majeur (l\u2019\u00e2ge peut varier selon les provinces et les territoires) et ne pas avoir plus de 71 ans le 31 d\u00e9cembre de l\u2019ann\u00e9e d\u2019ouverture du compte.<\/p>\n\n\n\n

2. Optimisez vos avantages fiscaux<\/strong><\/strong><\/h2>\n\n\n\n

Le CELIAPP combine les avantages du REER et du CELI. Les cotisations sont trait\u00e9es comme dans le cas d\u2019un REER, et les retraits, comme ceux d\u2019un CELI. Autrement dit, les cotisations sont d\u00e9ductibles et les retraits admissibles ne sont pas imposables. Vous pouvez acqu\u00e9rir des placements du m\u00eame type que ceux compris dans votre REER ou votre CELI, et les gains ne sont pas imposables en cas de retraits admissibles : vous pourrez faire fructifier votre argent plus rapidement dans un CELIAPP que dans un compte d\u2019\u00e9pargne ordinaire.<\/p>\n\n\n\n

Voici comment diff\u00e9rents comptes peuvent vous aider \u00e0 \u00e9pargner pour l\u2019achat d\u2019une maison<\/strong><\/h3>\n\n\n\n
<\/th>D\u00e9ductions d\u2019imp\u00f4t<\/th>Croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t\/ \u00e0 imposition diff\u00e9r\u00e9e ?<\/th>Retraits non imposables pour l\u2019achat d\u2019une maison ?<\/th>Aucun paiement requis ?<\/th><\/tr><\/thead>
CELI<\/strong><\/td>
\n\t<\/i>\t\n\t<\/div>\n\tNo<\/span>\n<\/td>
\n\t\t<\/i>\t\n\t<\/div>\n\tYes<\/span>\n<\/td>
\n\t\t<\/i>\t\n\t<\/div>\n\tYes<\/span>\n<\/td>
Pas d\u2019imp\u00f4t \u00e0 payer, mais less sommes retir\u00e9es peuvent \u00eatre vers\u00e9es de nouveau dans le compte<\/td><\/tr>
REER<\/strong><\/td>
\n\t\t<\/i>\t\n\t<\/div>\n\tYes<\/span>\n<\/td>
\n\t\t<\/i>\t\n\t<\/div>\n\tYes<\/span>\n<\/td>
Oui, jusqu\u2019a 60 000 $ dans le cadre du r\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 (RAP)<\/td>Doit \u00eatre rembours\u00e9 dans les 15 ans<\/td><\/tr>
CELIAPP<\/strong><\/td>
\n\t\t<\/i>\t\n\t\n\tYes<\/span>\n<\/div><\/td>
\n\t\t<\/i>\t\n\t<\/div>\n\tYes<\/span>\n<\/td>
\n\t\t<\/i>\t\n\t<\/div>\n\tYes<\/span>\n<\/td>
\n\t\t<\/i>\t\n\t<\/div>\n\tYes<\/span>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

3. N\u2019attendez pas pour ouvrir un CELIAPP<\/strong><\/strong><\/h2>\n\n\n\n

Vous pouvez verser jusqu\u2019\u00e0 8 000 $ \u00e0 votre CELIAPP par ann\u00e9e, jusqu\u2019\u00e0 concurrence d\u2019un plafond \u00e0 vie de 40 000 $. Si vous n\u2019\u00eates pas en mesure d\u2019y cotiser chaque ann\u00e9e, vous pouvez reporter les droits de cotisation inutilis\u00e9s \u00e0 l\u2019ann\u00e9e suivante, jusqu\u2019\u00e0 concurrence de 8 000 $, soit une cotisation totale de 16 000 $ pour l\u2019ann\u00e9e.<\/p>\n\n\n\n

Les droits de cotisation ne commencent \u00e0 s\u2019accumuler qu\u2019apr\u00e8s l\u2019ouverture d\u2019un CELIAPP. Songez donc \u00e0 en ouvrir un, m\u00eame si vous n\u2019y versez pas de fonds tout de suite. Si vous versez une cotisation, vous n\u2019avez pas \u00e0 la d\u00e9duire de votre revenu imposable l\u2019ann\u00e9e du versement. Vous pouvez la reporter ind\u00e9finiment et la d\u00e9duire au cours d\u2019une ann\u00e9e ult\u00e9rieure. Cette approche peut \u00eatre utile si vous voulez profiter imm\u00e9diatement de la croissance de votre \u00e9pargne \u00e0 l\u2019abri de l\u2019imp\u00f4t, mais que vous pr\u00e9voyez \u00eatre impos\u00e9 \u00e0 un taux plus \u00e9lev\u00e9 dans le futur. La d\u00e9duction serait alors plus avantageuse.<\/p>\n\n\n\n

4. \u00c9tablissez des cotisations automatiques<\/strong><\/strong><\/h2>\n\n\n\n

Lorsque vous \u00e9tablissez un r\u00e9gime de placements p\u00e9riodiques, des fonds peuvent \u00eatre transf\u00e9r\u00e9s automatiquement de votre compte \u00e0 votre CELIAPP. Par la suite, ils sont id\u00e9alement utilis\u00e9s pour investir dans des instruments de placement.<\/p>\n\n\n\n

Les cotisations automatiques constituent un moyen d\u2019\u00e9pargne plus simple : vous versez une somme fixe \u00e0 intervalles r\u00e9guliers plut\u00f4t qu\u2019un gros montant en une seule fois. Ensuite, vous investissez p\u00e9riodiquement ces cotisations pour tirer parti des \u00ab achats p\u00e9riodiques par sommes fixes \u00bb. Lorsque les march\u00e9s sont en recul, vous acqu\u00e9rez plus de placements. Quand les cours sont en hausse, vous en achetez moins. Au fil du temps, cette m\u00e9thode vous permet de r\u00e9duire votre prix d\u2019achat moyen.<\/p>\n\n\n\n

5. Aidez les membres de votre famille \u00e0 acheter leur premi\u00e8re propri\u00e9t\u00e9<\/strong><\/strong><\/h2>\n\n\n\n

M\u00eame si vous poss\u00e9dez d\u00e9j\u00e0 une propri\u00e9t\u00e9, les membres de votre famille peuvent b\u00e9n\u00e9ficier d\u2019un CELIAPP<\/a>.<\/p>\n\n\n\n

Vous pouvez donner des fonds (qui, autrement, seraient assujettis \u00e0 votre taux d\u2019imposition \u00e9lev\u00e9) \u00e0 un membre de votre famille qui pourra alors les investir dans son CELIAPP. Vous pouvez aussi donner des fonds \u00e0 votre conjoint. Dans un tel cas, vous \u00e9viterez l\u2019application des r\u00e8gles d\u2019attribution habituelles (en supposant que votre conjoint effectuera des retraits admissibles).<\/p>\n\n\n\n

6. Utilisez \u00e0 la fois le CELIAPP et le r\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 (RAP)<\/strong><\/strong><\/h2>\n\n\n\n

Vous pouvez effectuer \u00e0 la fois un retrait d\u2019un CELIAPP et un autre d\u2019un REER au titre du RAP pour accro\u00eetre votre mise de fonds. Si vous utilisez le REER au titre du RAP, vous pouvez retirer jusqu\u2019\u00e0 60\u00a0000\u00a0$ pour l\u2019achat ou la construction d\u2019une propri\u00e9t\u00e9, et ce, sans incidence fiscale imm\u00e9diate.<\/p>\n\n\n\n

Vous pouvez effectuer ces deux types de retrait pour l\u2019achat de la m\u00eame propri\u00e9t\u00e9 admissible afin d\u2019avoir acc\u00e8s \u00e0 un montant maximal de 100\u00a0000\u00a0$, en plus des gains r\u00e9alis\u00e9s dans votre CELIAPP, en vue de l\u2019achat d\u2019une propri\u00e9t\u00e9.<\/p>\n\n\n\n

7. Profitez du CELIAPP pour augmenter la croissance de votre REER ou de votre FERR<\/strong><\/strong><\/h2>\n\n\n\n

Vous devez fermer votre CELIAPP quinze ans apr\u00e8s son ouverture ou \u00e0 votre 71e<\/sup> anniversaire, selon le premier \u00e9v\u00e9nement \u00e0 survenir. \u00c0 ce moment, si vous n\u2019avez pas fait l\u2019acquisition d\u2019une propri\u00e9t\u00e9, vous pouvez transf\u00e9rer les actifs de votre CELIAPP \u00e0 votre REER ou \u00e0 votre fonds enregistr\u00e9 de revenu de retraite (FERR) en franchise d\u2019imp\u00f4t. Vous pouvez ainsi obtenir des droits de cotisation suppl\u00e9mentaires \u00e0 un REER.<\/p>\n\n\n\n

Vous pouvez \u00e9galement transf\u00e9rer l\u2019\u00e9pargne non utilis\u00e9e de votre CELIAPP \u00e0 votre REER ou \u00e0 votre FERR en franchise d\u2019imp\u00f4t (les retraits \u00e9ventuels d\u2019un REER\/FERR seront impos\u00e9s comme d\u2019habitude).<\/p>\n\n\n\n

8. D\u00e9signez votre conjoint comme titulaire rempla\u00e7ant<\/strong><\/strong><\/h2>\n\n\n\n

S\u2019il est d\u00e9sign\u00e9 comme titulaire rempla\u00e7ant, votre conjoint deviendra le nouveau titulaire du CELIAPP imm\u00e9diatement apr\u00e8s votre d\u00e9c\u00e8s, \u00e0 condition qu\u2019il r\u00e9ponde aux crit\u00e8res d\u2019admissibilit\u00e9 \u00e0 l\u2019ouverture d\u2019un CELIAPP. Dans ce cas, le compte demeurera exon\u00e9r\u00e9 d\u2019imp\u00f4t.<\/p>\n\n\n\n

Si vous nommez une personne autre que votre conjoint comme b\u00e9n\u00e9ficiaire, les fonds devront \u00eatre retir\u00e9s apr\u00e8s votre d\u00e9c\u00e8s et vers\u00e9s \u00e0 votre b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9. Les montants vers\u00e9s \u00e0 votre b\u00e9n\u00e9ficiaire seront inclus dans son revenu et assujettis \u00e0 une retenue d\u2019imp\u00f4t.<\/p>\n","protected":false},"excerpt":{"rendered":"

Saviez-vous qu\u2019il n\u2019est pas n\u00e9cessaire d\u2019\u00eatre un acheteur d\u2019une premi\u00e8re propri\u00e9t\u00e9 pour ouvrir un CELIAPP ? Voici huit conseils pour mieux conna\u00eetre le compte d\u2019\u00e9pargne enregistr\u00e9.<\/p>\n","protected":false},"author":15,"featured_media":19826,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[513,525],"tags":[684,685,683],"rbcwm_content_owner":[],"rbcwm_need":[546],"rbcwm_segment":[538],"rbcwm_solution":[545],"rbcwm_topic":[551],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-19825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-planification-successorale","category-strategies-fiscales","tag-dois-je-etre-acheteur-dune-premiere-propriete-pour-ouvrir-un-celiapp","tag-le-celiapp-peut-beneficier-aux-membres-de-votre-famille-si-vous-possedez-deja-une-propriete","tag-limite-cumulative-de-cotisation-au-celiapp","rbcwm_need-croissance","rbcwm_segment-particuliers-et-familles","rbcwm_solution-placements","rbcwm_topic-votre-patrimoine"],"acf":{"rbcwm_subtitle":"Saviez-vous qu\u2019il n\u2019est pas n\u00e9cessaire d\u2019\u00eatre un acheteur d\u2019une premi\u00e8re propri\u00e9t\u00e9 pour ouvrir un CELIAPP ? Voici huit conseils pour mieux conna\u00eetre le compte d\u2019\u00e9pargne enregistr\u00e9.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"This document has been prepared for use by the RBC Wealth Management member companies, RBC Dominion Securities Inc.*, RBC Phillips, Hager & North Investment Counsel Inc., RBC Global Asset Management Inc. Royal Trust Corporation of Canada and The Royal Trust Company (collectively, the \u201cCompanies\u201d) and their affiliate, Royal Mutual Funds Inc. (RMFI). *Member \u2013 Canada Investor Protection Fund. 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