{"id":2271,"date":"2022-02-14T22:06:45","date_gmt":"2022-02-14T22:06:45","guid":{"rendered":"https:\/\/rouzade.com\/?p=2271"},"modified":"2022-02-14T22:06:45","modified_gmt":"2022-02-14T22:06:45","slug":"vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov\/","title":{"rendered":"Retraite dans le priv\u00e9 : rachat de trimestres et de points"},"content":{"rendered":"<p>Si vous souhaitez prolonger votre vie \u00e0 la retraite, vous pouvez, sous certaines conditions, apurer vos trimestres en effectuant des versements au RGSS. Ceci est possible pour ceux qui ont termin\u00e9 des \u00e9tudes sup\u00e9rieures ou si vous ne disposez pas de suffisamment de trimestres pour des ann\u00e9es partielles de cotisation (confirm\u00e9es en moins de 4 trimestres par an). Ceci s&#039;applique \u00e9galement \u00e0 certaines p\u00e9riodes d&#039;apprentissage ou de nounou.<\/p>\n<p><a href=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/rachat.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2332\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/rachat.jpg\" alt=\"\" width=\"454\" height=\"231\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/rachat.jpg 454w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/rachat-300x153.jpg 300w\" sizes=\"auto, (max-width: 454px) 100vw, 454px\" \/><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contenu<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/fr\/vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov\/#%d0%a3%d1%81%d0%bb%d0%be%d0%b2%d0%b8%d1%8f\" >Conditions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/fr\/vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov\/#%d0%93%d0%be%d0%b4%d1%8b_%d1%83%d1%87%d0%b5%d0%b1%d1%8b\" >Ann\u00e9es d&#039;\u00e9tudes<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov\/#%d0%a2%d1%80%d0%b5%d0%b1%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d0%b2%d0%be%d0%b7%d1%80%d0%b0%d1%81%d1%82%d0%b0\" >Condition d&#039;\u00e2ge<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov\/#%d0%92%d0%b8%d0%b4%d1%8b_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b9\" >Types de remboursements<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov\/#%d0%a1%d0%b8%d0%bc%d1%83%d0%bb%d1%8f%d1%82%d0%be%d1%80_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d1%8f\" >Simulateur de remboursement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/fr\/vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov\/#%d0%9f%d0%bb%d0%b0%d1%82%d0%b5%d0%b6\" >Paiement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/fr\/vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov\/#%d0%92%d1%8b%d0%ba%d1%83%d0%bf_%d0%b1%d0%b0%d0%bb%d0%bb%d0%be%d0%b2_agirc-arrco\" >Echange de points AGIRC-ARRCO<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rouzade.com\/fr\/vyhod-na-pensiju-v-chastnom-sektore-pogashenie-kvartalov-rachat-partiel-des-trimestres-i-ballov\/#%d0%a7%d1%82%d0%be_%d0%bb%d1%83%d1%87%d1%88%d0%b5_per_%d0%b8%d0%bb%d0%b8_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b5_%d0%ba%d0%b2%d0%b0%d1%80%d1%82%d0%b0%d0%bb%d0%be%d0%b2_rachat_des_trimestres\" >Quel est le meilleur, le PER ou le rachat des trimestres ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a3%d1%81%d0%bb%d0%be%d0%b2%d0%b8%d1%8f\"><\/span>Conditions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"%d0%93%d0%be%d0%b4%d1%8b_%d1%83%d1%87%d0%b5%d0%b1%d1%8b\"><\/span>Ann\u00e9es d&#039;\u00e9tudes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Si vous avez termin\u00e9 des \u00e9tudes sup\u00e9rieures, vous pouvez demander le remboursement de trimestres de pension si vous \u00e9tiez rattach\u00e9 au r\u00e9gime g\u00e9n\u00e9ral \u00e0 la fin de vos \u00e9tudes.<\/p>\n<p>Vous devez \u00eatre titulaire d&#039;un dipl\u00f4me fran\u00e7ais d&#039;un \u00e9tablissement d&#039;enseignement sup\u00e9rieur (\u00e9cole technique sup\u00e9rieure, une grande \u00e9cole) ou d&#039;une classe pr\u00e9paratoire \u00e0 ces \u00e9coles.<\/p>\n<p>Aux fins du remboursement, la pr\u00e9sence d&#039;un dipl\u00f4me dans l&#039;un des pays suivants est prise en compte :<\/p>\n<ul>\n<li>Pays de l\u2019Espace \u00e9conomique europ\u00e9en\u00a0;<\/li>\n<li>Suisse;<\/li>\n<li>Pays li\u00e9s \u00e0 la France par un accord international de s\u00e9curit\u00e9 sociale.<\/li>\n<\/ul>\n<p>Les classes pr\u00e9paratoires \u00e0 l&#039;admission aux grandes \u00e9coles valent obtention d&#039;un dipl\u00f4me.<\/p>\n<p>Durant ces ann\u00e9es d&#039;\u00e9tudes, vous n&#039;avez d\u00fb \u00eatre affili\u00e9 \u00e0 aucun r\u00e9gime de retraite obligatoire.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"%d0%a2%d1%80%d0%b5%d0%b1%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d0%b2%d0%be%d0%b7%d1%80%d0%b0%d1%81%d1%82%d0%b0\"><\/span>Condition d&#039;\u00e2ge<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Vous devez \u00eatre \u00e2g\u00e9 de 20 \u00e0 66 ans \u00e0 la date de votre demande.<\/p>\n<p>Attention, si vous b\u00e9n\u00e9ficiez d\u00e9j\u00e0 d&#039;une pension de vieillesse du R\u00e9gime g\u00e9n\u00e9ral, vous ne pouvez plus rembourser votre trimestre de retraite.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%92%d0%b8%d0%b4%d1%8b_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b9\"><\/span>Types de remboursements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vous pouvez demander le remboursement des trimestres :<\/p>\n<ul>\n<li>soit au taux de pension du travail calcul\u00e9 (ce qui permet de r\u00e9duire ou d&#039;annuler le taux r\u00e9ducteur <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F19666\">d\u00e9cote<\/a>),<\/li>\n<li>soit par le taux et la dur\u00e9e d&#039;assurance utilis\u00e9s pour le calcul de la pension.<\/li>\n<\/ul>\n<p>Une fois qu\u2019un choix a \u00e9t\u00e9 fait, il ne peut plus \u00eatre modifi\u00e9.<\/p>\n<p>Vous pouvez effectuer des rachats trimestriels plusieurs fois.<\/p>\n<p>Vous pouvez \u00e9galement cumuler les remboursements des ann\u00e9es d\u2019\u00e9tudes sup\u00e9rieures avec d\u2019autres remboursements si vous remplissez les conditions suivantes :<\/p>\n<ul>\n<li>Ann\u00e9es incompl\u00e8tes durant lesquelles votre activit\u00e9 professionnelle ne vous a pas permis de confirmer 4 trimestres.<\/li>\n<li>P\u00e9riodes de formation ou de travail de nounou.<\/li>\n<\/ul>\n<p>Les demandes de rachat ne sont accept\u00e9es que pour des trimestres complets (1 \u00e0 12). Chaque trimestre doit comprendre une p\u00e9riode de 90 jours cons\u00e9cutifs donnant droit au rachat des trimestres.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2355\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/3.jpg\" alt=\"\" width=\"708\" height=\"593\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/3.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/3-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/3-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/3-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/02\/3-501x420.jpg 501w\" sizes=\"auto, (max-width: 708px) 100vw, 708px\" \/><\/p>\n<p>Le remboursement peut ne pas vous permettre de r\u00e9affirmer plus de 4 trimestres par an.<\/p>\n<p>L\u2019ensemble des remboursements ne peut exc\u00e9der 12 trimestres.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a1%d0%b8%d0%bc%d1%83%d0%bb%d1%8f%d1%82%d0%be%d1%80_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d1%8f\"><\/span>Simulateur de remboursement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vous pouvez simuler le co\u00fbt de remboursement des trimestres sur le site de l&#039;assurance pension depuis votre compte personnel.<\/p>\n<p>Si \u00e0 l&#039;issue de cette simulation vous souhaitez effectuer une demande de rachat, merci de t\u00e9l\u00e9charger le formulaire de demande propos\u00e9. Et envoyez-le \u00e0 l&#039;adresse que vous avez indiqu\u00e9e.<\/p>\n<p><a href=\"https:\/\/www.lassuranceretraite.fr\/portail-services-ng\/sec\/dashboard\/service\/VPLR\">https:\/\/www.lassuranceretraite.fr\/portail-services-ng\/sec\/dashboard\/service\/VPLR<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%bb%d0%b0%d1%82%d0%b5%d0%b6\"><\/span>Paiement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le co\u00fbt d&#039;un trimestre d\u00e9pend de votre \u00e2ge, de vos revenus, du type et de la dur\u00e9e de remboursement.<\/p>\n<p>Le montant demand\u00e9 peut \u00eatre pay\u00e9 en une seule fois ou en plusieurs mensualit\u00e9s (si rembours\u00e9 en 2 trimestres minimum).<\/p>\n<p>Attention : Si le versement s&#039;\u00e9tale sur plus d&#039;un an, le montant restant augmente chaque ann\u00e9e.<\/p>\n<p>Vous pouvez d\u00e9duire le montant du remboursement de votre revenu imposable.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%92%d1%8b%d0%ba%d1%83%d0%bf_%d0%b1%d0%b0%d0%bb%d0%bb%d0%be%d0%b2_agirc-arrco\"><\/span>Echange de points AGIRC-ARRCO<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Il est utile de savoir que vous pouvez \u00e9galement racheter des points de retraite suppl\u00e9mentaires aupr\u00e8s de l&#039;Agirc-Arrco si ce rachat porte sur des ann\u00e9es d&#039;\u00e9tudes dans un \u00e9tablissement d&#039;enseignement sup\u00e9rieur conform\u00e9ment aux articles 46 et 47 de l&#039;Accord national interprofessionnel du 17 novembre 2017.<\/p>\n<p>Vous pouvez \u00e9changer 140 points par an (pendant trois ans), leur valeur est calcul\u00e9e en fonction de :<\/p>\n<ul>\n<li>la valeur de chaque point,<\/li>\n<li>Le coefficient croissant ou d\u00e9croissant d\u00e9pend de l&#039;\u00e2ge de la retraite,<\/li>\n<li><a href=\"https:\/\/www.simul-retraite.fr\/Actualite\/ActualiteDetail?id=1960&amp;ref=220128-bareme-rachat-points-agirc-arrco-2022\">coefficient variable<\/a>, qui change en fonction de l&#039;\u00e2ge, etc.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%bb%d1%83%d1%87%d1%88%d0%b5_per_%d0%b8%d0%bb%d0%b8_%d0%bf%d0%be%d0%b3%d0%b0%d1%88%d0%b5%d0%bd%d0%b8%d0%b5_%d0%ba%d0%b2%d0%b0%d1%80%d1%82%d0%b0%d0%bb%d0%be%d0%b2_rachat_des_trimestres\"><\/span>Quel est le meilleur, le PER ou le rachat des trimestres ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Avant de vous pr\u00e9cipiter pour racheter des blocs, je vous conseille de comparer combien il vous en co\u00fbtera pour les racheter et la rente pr\u00e9vue si vous investissez le m\u00eame montant dans un plan d&#039;\u00e9pargne retraite individuel. <a href=\"https:\/\/rouzade.com\/fr\/per\/\">PAR<\/a>. D\u2019apr\u00e8s mon exp\u00e9rience, la seconde est plus rentable, mais c\u2019est impossible \u00e0 dire avec certitude, car le co\u00fbt du remboursement d\u00e9pend de plusieurs crit\u00e8res :<\/p>\n<ul>\n<li>votre \u00e2ge,<\/li>\n<li>type de remboursement,<\/li>\n<li>nombre de trimestres gagn\u00e9s,<\/li>\n<li>options s\u00e9lectionn\u00e9es, etc.<\/li>\n<\/ul>\n<p>Je vous propose donc de prendre rendez-vous avec moi pour une consultation. Je calculerai tout pour vous et vous indiquerai quelle solution sera la meilleure selon votre situation.<\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-zapisatsya-na-konsultaciyu\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/calendly.com\/olga-rouzade\/15-minut-k-business-mechte?utm_source=site&amp;utm_medium=MaxButtons&amp;utm_campaign=rdv-calendly\"><span class='mb-text'>Inscrivez-vous pour une consultation<\/span><\/a><\/p>\n<p>Sources:<\/p>\n<p><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F15675?fbclid=IwAR0c_AmnDqIMkW7l2O5T4Sg5w0MoaDmgST6Wif4XCDPLNVAgFmd7Go7tSPw\">https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F15675?fbclid=IwAR0c_AmnDqIMkW7l2O5T4Sg5w0MoaDmgST6Wif4XCDPLNVAgFmd7Go7tSPw<\/a><\/p>\n<p><a href=\"https:\/\/www.agirc-arrco.fr\/ma-retraite\/comprendre-ma-retraite\/points-de-retraite-comment-sont-ils-obtenus\/\">https:\/\/www.agirc-arrco.fr\/ma-retraite\/comprendre-ma-retraite\/points-de-retraite-comment-sont-ils-obtenus\/<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>D\u00e9couvrez comment augmenter votre dur\u00e9e de vie en cas de retraite.<\/p>","protected":false},"author":1,"featured_media":2354,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[322],"class_list":{"0":"post-2271","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-pensija"},"acf":[],"yoast_head":"<title>\u041a\u0430\u043a \u043f\u043e\u0433\u0430\u0441\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044b \u043d\u0430 \u043f\u0435\u043d\u0441\u0438\u0438 \u043d\u0430 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