{"id":2084,"date":"2018-07-29T00:00:00","date_gmt":"2018-07-29T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2018\/07\/29\/la-question-de-la-transmission-du-chalet-familial-peut-etre-lune-des-plus-difficiles-sur-le-plan-emotif-de-votre-planification-successorale\/"},"modified":"2024-10-22T10:40:36","modified_gmt":"2024-10-22T14:40:36","slug":"la-question-de-la-transmission-du-chalet-familial-peut-etre-lune-des-plus-difficiles-sur-le-plan-emotif-de-votre-planification-successorale","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/la-question-de-la-transmission-du-chalet-familial-peut-etre-lune-des-plus-difficiles-sur-le-plan-emotif-de-votre-planification-successorale","title":{"rendered":"La question de la transmission du chalet familial peut \u00eatre l\u2019une des plus difficiles, sur le plan \u00e9motif, de votre planification successorale"},"content":{"rendered":"\n

Les vacances annuelles \u00e0 notre chalet familial repr\u00e9sentent une pr\u00e9cieuse tradition, surtout parce que mes enfants font partie de la cinqui\u00e8me g\u00e9n\u00e9ration \u00e0 la perp\u00e9tuer. Jusqu\u2019\u00e0 maintenant, le chalet familial (maintenant la propri\u00e9t\u00e9 de cousins) et l\u2019\u00eele sur laquelle il est situ\u00e9 sont demeur\u00e9s dans la famille. Toutefois, dans de nombreux cas, la hausse des co\u00fbts de propri\u00e9t\u00e9, les inconv\u00e9nients li\u00e9s \u00e0 la situation g\u00e9ographique et d\u2019autres facteurs d\u2019ordre pratique font en sorte que des membres d\u2019une famille ne peuvent pas \u2014 ou ne souhaitent pas \u2014 avoir un chalet dont la propri\u00e9t\u00e9 se transmet de g\u00e9n\u00e9ration en g\u00e9n\u00e9ration.<\/span><\/p>\n\n\n\n

Toute personne qui poss\u00e8de un chalet a sans aucun doute d\u00e9j\u00e0 bien r\u00e9fl\u00e9chi \u00e0 sa transmission \u00e9ventuelle \u00e0 la prochaine g\u00e9n\u00e9ration. Id\u00e9alement, les conversations \u00e0 ce sujet, avec les membres de la famille et avec des conseillers professionnels, devraient commencer t\u00f4t et avoir lieu fr\u00e9quemment. Si vous n\u2019avez pas encore amorc\u00e9 cette d\u00e9marche, voici quels points \u00e0 prendre en consid\u00e9ration.<\/span><\/p>\n\n\n\n

G\u00e9rer les relations familiales<\/h2>\n\n\n\n

Le chalet familial est souvent l\u2019un des biens qui suscitent le plus d\u2019\u00e9motion parmi les b\u00e9n\u00e9ficiaires d\u2019une succession. Outre le partage des co\u00fbts de propri\u00e9t\u00e9, la dynamique familiale et les diff\u00e9rends peuvent \u00eatre des sources de conflit entre les copropri\u00e9taires. Si tous les membres de la prochaine g\u00e9n\u00e9ration souhaitent en partager la propri\u00e9t\u00e9, il faut \u00e9tablir une entente sur des points comme la participation aux frais, l\u2019occupation des lieux et les restrictions relatives \u00e0 la vente d\u2019une participation \u00e0 une personne autre qu\u2019un membre de la famille.<\/span><\/p>\n\n\n\n

Les fiducies et les soci\u00e9t\u00e9s comptent parmi les types d\u2019entente de copropri\u00e9t\u00e9 les plus courants. Cependant, malgr\u00e9 tous les efforts que l\u2019on peut d\u00e9ployer pour assurer l\u2019\u00e9quit\u00e9 et une saine gouvernance en ce qui a trait \u00e0 la copropri\u00e9t\u00e9, les choses peuvent mal tourner. J\u2019ai r\u00e9cemment entendu parler de propri\u00e9taires de cinqui\u00e8me g\u00e9n\u00e9ration d\u2019une famille qui avaient mis sur pied une soci\u00e9t\u00e9 de copropri\u00e9taires du chalet familial assortie d\u2019un conseil d\u2019administration qui se r\u00e9unissait r\u00e9guli\u00e8rement et qui \u00e9tablissait clairement les droits des copropri\u00e9taires. Malgr\u00e9 cette judicieuse planification, des conflits ont amen\u00e9 les membres de la famille \u00e0 s\u2019affronter en cour et entra\u00een\u00e9 la vente du chalet.<\/span><\/p>\n\n\n\n

\n

Au-del\u00e0 de la richesse: Gestion de l\u2019h\u00e9ritage d\u2019un bien assorti de liens \u00e9motionnels<\/strong> comme un<\/strong> chalet familial<\/strong><\/h4>\n\n\n\n

D\u00e9couvrez les complexit\u00e9s \u00e9motionnelles que pr\u00e9sente le fait de c\u00e9der un chalet familial \u00e0 la g\u00e9n\u00e9ration suivante, ainsi que les strat\u00e9gies qui permettront de pr\u00e9venir les querelles familiales et de laisser un h\u00e9ritage harmonieux.<\/p>\n\n\n\n

\n\u00c9coutez le podcast maintenant<\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

S\u2019assurer que les h\u00e9ritiers pourront assumer les frais<\/h2>\n\n\n\n

Si vous avez song\u00e9 \u00e0 l\u00e9guer votre chalet, vous avez probablement envisag\u00e9 non seulement qui souhaite en devenir propri\u00e9taire, mais aussi qui est en mesure d\u2019en assumer les frais. Les prix des propri\u00e9t\u00e9s continuent de monter, ce qui se traduit par une hausse continue des frais de possession, ainsi que de l\u2019imp\u00f4t sur gains en capital, pour vous et votre conjoint. Il en sera de m\u00eame pour vos h\u00e9ritiers. Les d\u00e9penses, comme les r\u00e9parations majeures (une nouvelle toiture ou un nouveau quai, par exemple) et les taxes fonci\u00e8res et les frais des services publics en constante hausse, peuvent faire d\u2019un chalet un fardeau financier pour nombre de propri\u00e9taires.<\/span><\/p>\n\n\n\n

L\u2019une des fa\u00e7ons d\u2019all\u00e9ger ce fardeau consiste \u00e0 \u00e9tablir une fiducie d\u2019entretien ou un autre fonds financ\u00e9 par la succession, si sa valeur est suffisamment importante pour que des actifs soient utilis\u00e9s \u00e0 cette fin. Il y a d\u2019autres possibilit\u00e9s, comme l\u2019utilisation de l\u2019exemption pour r\u00e9sidence principale, l\u2019\u00e9tablissement d\u2019une structure qui rend la prochaine g\u00e9n\u00e9ration b\u00e9n\u00e9ficiaire de toute croissance future de la valeur de la propri\u00e9t\u00e9, ou une modification pure et simple de la propri\u00e9t\u00e9 du chalet. Toutefois, ces types de planification fiscale et de l\u2019homologation comportent des r\u00e8gles complexes qui exigent le recours \u00e0 un conseiller juridique et \u00e0 un fiscaliste comp\u00e9tents.<\/span><\/p>\n\n\n\n

Conna\u00eetre les cons\u00e9quences de l\u2019inaction<\/h2>\n\n\n\n

Si vous ne prenez aucune mesure en ce qui a trait \u00e0 votre chalet, celui-ci ne devient alors qu\u2019un \u00e9l\u00e9ment de l\u2019actif g\u00e9n\u00e9ral de votre succession, ce qui peut laisser \u00e0 votre liquidateur une plus grande marge de man\u0153uvre que vous le souhaitez. C\u2019est \u00e0 cette personne que reviendrait la d\u00e9licate t\u00e2che de d\u00e9terminer si l\u2019un ou l\u2019autre des b\u00e9n\u00e9ficiaires souhaite garder le chalet \u2014 et en a les moyens financiers \u2014, ou s\u2019il faut le vendre.<\/span><\/p>\n\n\n\n

Votre planification devrait \u00e9galement pr\u00e9voir le cas o\u00f9 vous seriez frapp\u00e9 d\u2019incapacit\u00e9 mentale (en raison d\u2019une d\u00e9mence s\u00e9nile, par exemple). Sans une planification ad\u00e9quate, votre mandataire d\u00e9sign\u00e9 (ou curateur) pourrait \u00eatre contraint de vendre votre chalet familial bien-aim\u00e9 afin de financer vos soins \u00e0 long terme. Ces questions devraient faire partie de vos conversations de planification avec des professionnels.<\/span><\/p>\n\n\n\n

Quelle que soit votre situation, il est essentiel qu\u2019\u00e0 titre de propri\u00e9taire de chalet, vous ayez un dialogue ouvert avec vos h\u00e9ritiers afin d\u2019\u00e9viter les conflits ult\u00e9rieurs. Comme un coll\u00e8gue me l\u2019a r\u00e9cemment soulign\u00e9 : \u00ab Malgr\u00e9 vos bonnes intentions, soyez prudent, car en d\u00e9finitive, vous pourriez devoir choisir entre votre chalet et les relations entre les membres de votre famille \u00bb.<\/span> <\/p>\n\n\n\n

Cet article a \u00e9t\u00e9 publi\u00e9 dans le Financial Post.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Il est donc essentiel d\u2019en discuter ouvertement afin d\u2019\u00e9viter des querelles \u00e9ventuelles entre vos h\u00e9ritiers.<\/p>\n","protected":false},"author":15,"featured_media":2086,"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],"tags":[68,316,809,315,808],"rbcwm_content_owner":[],"rbcwm_need":[546,547],"rbcwm_segment":[538],"rbcwm_solution":[545,550],"rbcwm_topic":[549,551],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-2084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-planification-successorale","tag-estate-planning","tag-family-cottage","tag-les-fiducies-et-les-societes","tag-transferring-the-family-cottage","tag-transmission-du-chalet-familial","rbcwm_need-croissance","rbcwm_need-preservation","rbcwm_segment-particuliers-et-familles","rbcwm_solution-placements","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-immobilier","rbcwm_topic-votre-patrimoine"],"acf":{"rbcwm_subtitle":"Il est donc essentiel d\u2019en discuter ouvertement afin d\u2019\u00e9viter des querelles \u00e9ventuelles entre vos h\u00e9ritiers.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"RBC Trust Royal et RBC Gestion de patrimoine sont des secteurs d\u2019activit\u00e9 de Banque Royale du Canada. 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