{"id":24333,"date":"2025-01-03T15:04:03","date_gmt":"2025-01-03T15:04:03","guid":{"rendered":""},"modified":"2025-01-16T18:17:33","modified_gmt":"2025-01-16T18:17:33","slug":"quelle-est-la-date-limite-pour-cotiser-a-un-celiapp","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quelle-est-la-date-limite-pour-cotiser-a-un-celiapp\/","title":{"rendered":"Quelle est la date limite pour cotiser \u00e0 un CELIAPP ?"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/question-de-la-semaine\/\">\n\t\t\t\t\t\t\t<span>Question de la Semaine<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Quelle est la date limite pour cotiser \u00e0 un CELIAPP ?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By l\u2019\u00e9quipe Investisseur inspir\u00e9<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Mains qui d\u00e9posent des pi\u00e8ces de monnaie dans une tirelire en forme de maison.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg 6401w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Quelle est la date limite pour cotiser \u00e0 un CELIAPP ? &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quelle-est-la-date-limite-pour-cotiser-a-un-celiapp\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quelle-est-la-date-limite-pour-cotiser-a-un-celiapp\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 3 janvier 2025 \u2022 5 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>La fin de l\u2019ann\u00e9e approche \u00e0 grands pas. N\u2019oubliez pas qu\u2019il y a une nouvelle date limite \u00e0 prendre en consid\u00e9ration dans la planification de vos placements et de vos imp\u00f4ts&nbsp;: celle des cotisations \u00e0 un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP). Le CELIAPP offre \u00e0 la population canadienne une autre occasion int\u00e9ressante d\u2019\u00e9pargner et d\u2019investir tout en b\u00e9n\u00e9ficiant d\u2019avantages fiscaux.<strong><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Date limite<\/h2>\n\n\n\n<p>La p\u00e9riode de cotisation annuelle au CELIAPP est du 1er&nbsp;janvier au 31&nbsp;d\u00e9cembre. Par cons\u00e9quent, vous devez verser votre cotisation avant le 31&nbsp;d\u00e9cembre afin de pouvoir la d\u00e9duire de votre revenu imposable pour 2024. Veuillez noter que cette date limite est diff\u00e9rente de celle du r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER). Contrairement \u00e0 ce qui est le cas pour le REER, les cotisations que vous versez \u00e0 votre CELIAPP au cours des 60&nbsp;premiers jours de l\u2019ann\u00e9e <em>ne peuvent pas<\/em> \u00eatre d\u00e9duites du revenu de l\u2019ann\u00e9e pr\u00e9c\u00e9dente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mieux conna\u00eetre le CELIAPP<\/h2>\n\n\n\n<p>Maintenant que vous avez inscrit la date limite \u00e0 votre agenda, passons en revue les principales caract\u00e9ristiques du CELIAPP. Lanc\u00e9 en avril&nbsp;2023, ce nouveau r\u00e9gime enregistr\u00e9 vise \u00e0 aider les personnes \u00e0 acc\u00e9der au march\u00e9 du logement. Les investisseurs canadiens admissibles peuvent verser jusqu\u2019\u00e0 40&nbsp;000&nbsp;$ sur une p\u00e9riode de 15&nbsp;ans. D\u2019un point de vue fiscal, il combine les avantages fiscaux de deux r\u00e9gimes enregistr\u00e9s existants&nbsp;: le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER) et le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI). Comme dans le cas du REER, les cotisations au CELIAPP peuvent servir \u00e0 r\u00e9duire votre revenu imposable. De m\u00eame que pour le CELI, si vous effectuez un retrait admissible, vous ne paierez pas d\u2019imp\u00f4t sur ce retrait (ce qui comprend le montant en capital et tout gain de placement).<\/p>\n\n\n\n<p>Vous pouvez d\u00e9poser jusqu\u2019\u00e0 8&nbsp;000&nbsp;$ par ann\u00e9e dans un CELIAPP, et la limite cumulative est de 40&nbsp;000&nbsp;$. Les droits inutilis\u00e9s peuvent \u00eatre report\u00e9s \u00e0 l\u2019ann\u00e9e suivante (jusqu\u2019\u00e0 concurrence de 8&nbsp;000&nbsp;$). Il est \u00e0 noter que les droits de cotisation report\u00e9s ne commencent \u00e0 s\u2019accumuler qu\u2019apr\u00e8s l\u2019ouverture du compte. Vous pouvez ouvrir plus d\u2019un CELIAPP; toutefois, le plafond de cotisation annuel et la limite cumulative s\u2019appliquent aux comptes combin\u00e9s. Soyez donc prudent en ce qui a trait aux cotisations. Une p\u00e9nalit\u00e9 fiscale de 1&nbsp;% est impos\u00e9e sur les cotisations exc\u00e9dentaires pour chaque mois au cours duquel l\u2019exc\u00e9dent demeure dans le compte.<\/p>\n\n\n\n<p>Vous pouvez \u00e9pargner dans un CELIAPP pendant un maximum de 15&nbsp;ans. Si vous d\u00e9cidez de ne pas acheter une propri\u00e9t\u00e9 pendant cette p\u00e9riode, vous pouvez transf\u00e9rer sans p\u00e9nalit\u00e9 ni imp\u00f4t l\u2019argent que vous avez \u00e9pargn\u00e9 (et tout revenu de placement gagn\u00e9) directement dans un REER ou un FERR. Attention&nbsp;: les fonds transf\u00e9r\u00e9s d\u2019un CELIAPP \u00e0 un REER ou \u00e0 un FERR peuvent toutefois \u00eatre imposables au moment du retrait.<\/p>\n\n\n\n<p>Pour en savoir plus sur les avantages du CELIAPP, consultez l&rsquo;article&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/epargne-futee\/celiapp-reponses-a-9-questions-sur-le-nouveau-compte-depargne-libre-dimpot-pour-lachat-dune-premiere-propriete\/\" data-dig-id=\"LP-24333-726fff3d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"R\u00e9ponses \u00e0 9 questions sur le nouveau compte d'\u00e9pargne libre d'imp\u00f4t pour l'achat d'une premi\u00e8re propri\u00e9t\u00e9\" class=\"rbc-link-format\">R\u00e9ponses \u00e0 9 questions sur le nouveau compte d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t pour l&rsquo;achat d&rsquo;une premi\u00e8re propri\u00e9t\u00e9<\/a>&nbsp;ou visionnez la vid\u00e9o ci-dessous.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Le compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 expliqu\u00e9 en 2 minutes\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/uF6cAdk-t1s?feature=oembed&#038;rel=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<div class=\"wp-block-group mar-b-hlf has-light-grey-background-color has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-media-text is-stacked-on-mobile has-light-grey-background-color has-background\" style=\"grid-template-columns:15% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/icon-learn-more.svg?w=1024\" alt=\"\" class=\"wp-image-20413 size-full\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h3 class=\"wp-block-heading\">\u00c9pargnez \u00e0 l\u2019abri de l\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9<\/h3>\n\n\n\n<p>Le nouveau compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 est maintenant disponible<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/fr\/placements\/celiapp.html\" data-dig-id=\"LP-24333-d68cef05\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Renseignez-vous\" class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\">Renseignez-vous<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse72ccfa9d\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse72ccfa9d\" data-dig-id=\"LP-24333-72ccfa9d\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"D\u00e9nis de responsabilit\u00e9\"><div>D\u00e9nis de responsabilit\u00e9<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse72ccfa9d\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Banque Royale du Canada, Fonds d\u2019investissement Royal Inc. (FIRI), RBC Placements en Direct Inc. (RBC Placements en Direct) et RBC\u00a0InvestiVite\u00a0Inc. (RBC\u00a0Investi-Clic) sont des entit\u00e9s juridiques distinctes et affili\u00e9es. Les comptes d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 sont offerts par RBC Placements en Direct et RBC Investi-Clic. RBC\u00a0Placements en Direct est un courtier en placement inscrit qui ne fait qu\u2019ex\u00e9cuter les ordres et elle est membre de l\u2019Organisme canadien de r\u00e9glementation des investissements. RBC Placements en Direct ne fournit pas de conseils en placement et ne fait pas de recommandations concernant l\u2019achat ou la vente de titres. Les investisseurs sont responsables de leurs propres d\u00e9cisions de placement. RBC Investi-Clic fournit des services de gestion discr\u00e9tionnaire de placements et elle est inscrite en tant que gestionnaire de portefeuille d\u2019exercice restreint aupr\u00e8s des autorit\u00e9s en valeurs mobili\u00e8res dans l\u2019ensemble des provinces et des territoires du Canada. FIRI et Banque Royale du Canada n\u2019offrent pas de comptes d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9. FIRI, RBC Placements en Direct et RBC Investi-Clic sont des filiales en propri\u00e9t\u00e9 exclusive de Banque Royale du Canada. \u00ae\u00a0\/\u00a0<sup>MC<\/sup>\u00a0Marque(s) de commerce de Banque Royale du Canada. RBC et Banque Royale sont des marques d\u00e9pos\u00e9es de Banque Royale du Canada, utilis\u00e9es sous licence. \u00a9 Banque Royale du Canada\u00a02024.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Quelle est la date limite pour cotiser \u00e0 un CELIAPP ? &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/quelle-est-la-date-limite-pour-cotiser-a-un-celiapp\/\">\n        <img decoding=\"async\" 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class=\"wp-block-tk-spacer id-dc1b0287-24a4-4170-a7d4-734ac1305470\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/le-confort-du-foyer\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Le confort du foyer<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/question-de-la-semaine\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Question de la Semaine<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div 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d&rsquo;\u00e9pargne libre d&rsquo;imp\u00f4t pour l&rsquo;achat d&rsquo;une premi\u00e8re propri\u00e9t\u00e9 peut vous aider \u00e0 \u00e9pargner pour l&rsquo;avenir et \u00e0 r\u00e9duire vos imp\u00f4ts cette ann\u00e9e.<\/p>\n","protected":false},"author":80,"featured_media":33664,"parent":7089,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[326,327],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[265,169],"class_list":["post-24333","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-le-confort-du-foyer","tag-question-de-la-semaine","rbc_content_type-article","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-academie-des-placements","rbc_mmm_category-investisseur-inspire"],"acf":{"contently_publication_id":"373488","custom_author":"l\u2019\u00e9quipe Investisseur inspir\u00e9","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This 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