{"id":5958,"date":"2026-09-11T10:17:53","date_gmt":"2026-09-11T08:17:53","guid":{"rendered":"https:\/\/ch.schubwerk.eu\/faq\/what-are-my-german-capital-accumulation-benefits\/"},"modified":"2026-10-06T12:52:14","modified_gmt":"2026-10-06T10:52:14","slug":"quels-sont-mes-avantages-en-matiere-daccumulation-de-capital-en-allemand","status":"publish","type":"faq","link":"https:\/\/www.consultinghouse.eu\/fr\/faq\/what-are-my-german-capital-accumulation-benefits\/","title":{"rendered":"Quels sont mes avantages en mati\u00e8re d\u2019accumulation de capital en Allemagne ?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Les avantages de l'accumulation de capital \u2013 Vers\u00e9s par l'employeur \u00e0 votre avantage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Votre employeur peut vous accorder des prestations d\u2019accumulation de capital, soit volontairement, soit pas du tout. C\u2019est parce qu\u2019il n\u2019existe aucune obligation l\u00e9gale pour lui de le faire. Toutefois, si vous avez de la chance et que votre employeur vous accorde cette avantage, vous pouvez choisir entre diff\u00e9rentes formes d\u2019investissement approuv\u00e9es par la l\u00e9gislation pour les prestations d\u2019accumulation de capital, qui sont \u00e9num\u00e9r\u00e9es au \u00a7 2 de la loi allemande sur les prestations d\u2019accumulation de capital. Vous pouvez librement choisir la forme d\u2019investissement ainsi que le prestataire. Ci-dessous, vous trouverez une description de la mani\u00e8re dont ces prestations doivent \u00eatre prises en compte dans la d\u00e9claration d\u2019imp\u00f4ts.<br><br>Votre employeur ne vous verse pas de prestations d\u2019accumulation de capital, mais les met \u00e0 disposition du prestataire de votre choix. Vous pouvez \u00e9galement ajouter quelque chose \u00e0 l\u2019investissement de capital correspondant \u00e0 votre propre compte si vous le souhaitez. La p\u00e9riode d\u2019investissement des prestations d\u2019accumulation de capital est g\u00e9n\u00e9ralement de 7 ans, dont les 6 premi\u00e8res ann\u00e9es repr\u00e9sentent la phase d\u2019\u00e9pargne. <br><br>Les formes d\u2019investissement qui permettent de b\u00e9n\u00e9ficier d\u2019avantages en mati\u00e8re d\u2019accumulation de capital peuvent \u00eatre divis\u00e9es en contrats d\u2019\u00e9pargne aupr\u00e8s d\u2019une soci\u00e9t\u00e9 de placement et en \u00e9pargne-investissement. Bien que vous puissiez investir dans des actions ou des parts, les \u00e9conomies sont finalement utilis\u00e9es pour acqu\u00e9rir un bien immobilier. Il est particuli\u00e8rement int\u00e9ressant de noter que, en plus de l\u2019allocation pour \u00e9pargne des salari\u00e9s, vous pouvez \u00e9galement recevoir des subventions d\u2019habitation de l\u2019\u00c9tat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quand est-il accord\u00e9 l'allocation de retraite des salari\u00e9s ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cas d\u2019un cr\u00e9dit d\u2019\u00e9pargne pour salari\u00e9s, vous recevrez 20% euros maximum pour les c\u00e9libataires et 800 euros pour les couples mari\u00e9s. Vous recevrez un maximum de 80 ou 160 euros. Le revenu imposable ne peut pas d\u00e9passer 20 000 euros (ou 40 000 euros pour les couples mari\u00e9s).<br><br>Dans le cas des contrats d\u2019\u00e9pargne des soci\u00e9t\u00e9s de cr\u00e9dit immobilier, l\u2019allocation de la caisse d\u2019\u00e9pargne est de 9% euros au maximum sur un maximum de 470 euros respectivement. Vous recevrez un maximum de 43 ou 86 euros si votre revenu imposable n\u2019exc\u00e8de pas 17 900 euros (pour les c\u00e9libataires) ou 35 800 euros (pour les mari\u00e9s).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment obtenir l\u2019allocation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez demander une allocation de retraite pour employ\u00e9s lors de votre d\u00e9claration d\u2019imp\u00f4ts. Pour cela, vous devez soumettre l\u2019annexe intitul\u00e9e \u00ab Avantages d\u2019accumulation de capital \u00bb accompagn\u00e9e de votre d\u00e9claration d\u2019imp\u00f4ts. Vous devez soumettre la demande au plus tard quatre ans apr\u00e8s la fin de l\u2019ann\u00e9e d\u2019accumulation de capital concern\u00e9e. En g\u00e9n\u00e9ral, vous recevrez l\u2019annexe intitul\u00e9e \u00ab Avantages d\u2019accumulation de capital \u00bb remplie par l\u2019\u00e9tablissement qui a cr\u00e9\u00e9 vos avantages d\u2019accumulation de capital. Sinon, vous pouvez la demander aupr\u00e8s du service des imp\u00f4ts.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.consultinghouse.eu\/fr\/services\/services-pour-employeurs\/gestion-de-la-paie\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.consultinghouse.eu\/wp-content\/uploads\/2026\/09\/CTA20Payroll20Solutions.png\" alt=\"CTA Solutions de paie\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Dans votre vie professionnelle, vous n\u2019obtenez rarement de cadeaux, donc vous devez investir autant que possible afin que vos avoirs puissent porter leurs \u201c fruits \u201d, dont vous pourrez \u00e9galement b\u00e9n\u00e9ficier. Mais qu\u2019est-ce que la croissance des capitaux exactement et quel lien y a-t-il avec l\u2019imp\u00f4t ?<\/p>","protected":false},"template":"","faq_category":[9],"class_list":["post-5958","faq","type-faq","status-publish","hentry","faq_category-taxes-in-germany"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What are my German capital accumulation benefits? - Consultinghouse<\/title>\n<meta name=\"description\" content=\"Learn about capital accumulation benefits, or verm\u00f6genswirksame Leistungen, and the savings and tax topics discussed for employees.\" \/>\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.consultinghouse.eu\/fr\/faq\/quels-sont-mes-avantages-en-matiere-daccumulation-de-capital-en-allemand\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are my German capital accumulation benefits? 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