{"id":470,"date":"2023-01-23T06:49:41","date_gmt":"2023-01-23T11:49:41","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=470"},"modified":"2023-01-23T06:49:41","modified_gmt":"2023-01-23T11:49:41","slug":"les-effets-dune-separation-sur-les-finances-dun-couple","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/blogue\/finance\/les-effets-dune-separation-sur-les-finances-dun-couple\/","title":{"rendered":"Les effets d\u2019une s\u00e9paration sur les finances d\u2019un couple"},"content":{"rendered":"<p><span data-contrast=\"auto\">Une rupture est toujours difficile, m\u00eame quand elle se fait \u00e0 l\u2019amiable. En plus de la charge \u00e9motive d\u2019un tel \u00e9v\u00e8nement, survient souvent un certain co\u00fbt financier. M\u00eame si les ruptures font partie de la vie et sont courantes, elles demeurent une exp\u00e9rience souvent douloureuse.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En 2020 au Canada, <\/span><a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/220309\/dq220309a-fra.htm\"><span data-contrast=\"none\">42\u2009933\u202fdemandes de divorce ont \u00e9t\u00e9 enregistr\u00e9es<\/span><\/a><span data-contrast=\"auto\">. C\u2019est le chiffre le plus bas de 1973\u2009! Par contre, la baisse s\u2019explique surtout par les ralentissements bureaucratiques caus\u00e9s par la pand\u00e9mie Covid-19 plut\u00f4t que par une baisse r\u00e9elle des s\u00e9parations. Bien s\u00fbr, cette statistique ne compte pas les s\u00e9parations qui ne se terminent pas en divorce ni les cas de s\u00e9parations de couple en union libre.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Outre les d\u00e9penses reli\u00e9es \u00e0 un d\u00e9m\u00e9nagement potentiel, aux changements dans votre budget et \u00e0 l\u2019ajustement g\u00e9n\u00e9ral, il faut parfois ajouter les frais d\u2019avocat en cas de conflit. Il faut aussi \u00e9ventuellement ajouter le co\u00fbt d\u2019une pension alimentaire, de dettes impay\u00e9es et autres complications reli\u00e9es \u00e0 la s\u00e9paration d\u2019un couple. Pour vous aider \u00e0 vous y retrouver, voici un bref portrait des \u00e9l\u00e9ments \u00e0 prendre en compte quant aux effets d\u2019une s\u00e9paration sur vos finances.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Le type d\u2019union<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Avant tout, il faut savoir que le type d\u2019union influence \u00e9norm\u00e9ment la fa\u00e7on dont se passera une s\u00e9paration ou un divorce.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Couples mari\u00e9s ou en unions civiles\u202f: il s\u2019agit de couples qui se sont mari\u00e9s ou qui ont proc\u00e9d\u00e9 \u00e0 une union civile. L\u00e9galement, il s\u2019agit de la m\u00eame chose.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Conjoints de fait\u202f: il s\u2019agit de couples qui ne sont pas mari\u00e9s, mais qui vivent ensemble dans une relation conjugale depuis au moins douze mois.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Des contrats pour vous prot\u00e9ger<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Vous avez peut-\u00eatre entendu parler du terme \u00ab\u2009pre-nups\u2009\u00bb, surtout si vous \u00eates friands de s\u00e9ries ou films am\u00e9ricains. Ce terme r\u00e9f\u00e8re \u00e0 un contrat r\u00e9alis\u00e9 avant le mariage, afin de d\u00e9finir ce qui se passerait en cas de divorce. Ces contrats existent bel et bien au Qu\u00e9bec.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pour le mariage et l\u2019union civile, on parlera de r\u00e9gime matrimonial de s\u00e9paration des biens.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pour les conjoints de fait, il existe \u00e9galement une option appel\u00e9e \u00ab\u2009contrat de vie commune\u2009\u00bb.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">La s\u00e9paration des biens\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les biens couvrent tous les avoirs et les actifs appartenant au couple. On parle donc de la maison, de la voiture et des meubles, mais aussi des comptes bancaires, placements, contributions au RRQ et autres.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous n\u2019avez aucun contrat sign\u00e9 stipulant la fa\u00e7on de s\u00e9parer les biens en cas de rupture, voici \u00e0 quoi vous pouvez vous attendre\u202f:\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Mariage et union civile\u202f<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous \u00eates mari\u00e9s, deux ensembles de r\u00e8gles affecteront la division des biens\u202f: le r\u00e9gime matrimonial et le patrimoine familial.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Le patrimoine familial inclut les biens comme la maison, la voiture et les \u00e9lectrom\u00e9nagers. Les montants accumul\u00e9s par chaque conjoint \u00e0 la RRQ, dans un r\u00e9gime de retraite ou dans des R\u00c9ER seront \u00e9galement inclus. La valeur des biens est g\u00e9n\u00e9ralement divis\u00e9e \u00e0 parts \u00e9gales entre les deux \u00e9poux.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pour les r\u00e9gimes matrimoniaux, on prend en compte les autres biens tels que comptes bancaires, actions en bourse ou immeuble commercial. Il en<\/span> <a href=\"https:\/\/juridiqc.gouv.qc.ca\/separation-et-divorce\/domicile-biens-argent\/biens-et-argent\/couples-maries-les-regles-de-partage-des-biens-en-cas-de-divorce\/#leregimematrimonial\"><span data-contrast=\"none\">existe trois types<\/span><span data-contrast=\"none\">\u202f<\/span><\/a><span data-contrast=\"auto\">: la soci\u00e9t\u00e9 d\u2019acqu\u00eats, la s\u00e9paration de biens ou la communaut\u00e9 de biens. Chacun comporte des r\u00e8gles diff\u00e9rentes.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Conjoint de fait<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous n\u2019avez pas de contrat de vie commune, g\u00e9n\u00e9ralement, le propri\u00e9taire du bien est celui qui le gardera. Si vous \u00eates copropri\u00e9taires, vous devrez vous entendre entre ex-conjoints. Par exemple, si vous avez achet\u00e9 ensemble un \u00e9lectrom\u00e9nager, une solution pourrait \u00eatre de le vendre et de diviser les profits, ou de payer la partie de l\u2019ancien conjoint pour le conserver. Si vous avez un contrat, vous devrez le respecter.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Dans les deux cas, l\u2019impact concret est que vous aurez \u00e0 d\u00e9bourser un minimum d\u2019argent, ne serait-ce que pour vous acheter de la nouvelle vaisselle ou des meubles manquants. Il est donc primordial <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/budget\/comment-faire-un-budget-sans-stress-en-10-etapes-faciles\/\"><span data-contrast=\"none\">d\u2019ajuster votre budget<\/span><\/a><span data-contrast=\"auto\"> en fonction de votre nouvelle vie. Un <\/span><a href=\"https:\/\/www.argentmaintenant.com\/fonctionnement\/\"><span data-contrast=\"none\">pr\u00eat en ligne<\/span><\/a><span data-contrast=\"auto\"> peut aussi \u00eatre une solution rapide pour vous aider \u00e0 repartir en neuf.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous avez un compte conjoint, que vous soyez mari\u00e9 ou non, la valeur du compte devra \u00eatre s\u00e9par\u00e9e en deux. Dans le cas o\u00f9 un des deux \u00e9poux d\u00e9pense davantage, une somme pourrait lui \u00eatre r\u00e9clam\u00e9e. Cette demande devra toutefois faire l\u2019objet d\u2019une d\u00e9cision du tribunal.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">La s\u00e9paration des dettes\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Attention aux dettes li\u00e9es \u00e0 des biens communs\u2009! Si vos deux noms figurent sur le contrat d\u2019achat d\u2019un t\u00e9l\u00e9viseur, par exemple, vous demeurez tous deux responsables, jusqu\u2019\u00e0 ce que le changement soit fait. Si votre ex conserve le t\u00e9l\u00e9viseur et que votre nom est toujours sur le contrat, vous devrez continuer de payer.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Dans le cas d\u2019un pr\u00eat hypoth\u00e9caire, c\u2019est celui qui a sign\u00e9 le contrat qui est responsable, et ce, m\u00eame si l\u2019ex-conjoint versait un montant pour contribuer au remboursement du dit-pr\u00eat.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous avez une carte de cr\u00e9dit commune, vous \u00eates tous deux responsables des paiements jusqu\u2019\u00e0 ce que le contrat soit modifi\u00e9.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">La retraite<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Un divorce peut potentiellement affecter <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/finance\/5-astuces-simples-pour-epargner-pour-la-retraite\/\"><span data-contrast=\"none\">votre retraite<\/span><\/a><span data-contrast=\"auto\">. Il est donc primordial de contacter un avocat ou un notaire pour ce type de dossier.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Une foule de facteurs et de d\u00e9tails sont \u00e0 prendre en compte. Toutefois, il faut comprendre que les contributions aux r\u00e9gimes de retraite rentrent dans le patrimoine familial et que celui-ci est, \u00e0 priori, s\u00e9par\u00e9 \u00e0 parts \u00e9gales au moment du divorce. Vous pourriez donc perdre une bonne partie des sommes accumul\u00e9es.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En d\u2019autres mots, m\u00eame si vous contribuez davantage que votre ex-conjoint, vous pourriez vous retrouver qu\u2019avec la moiti\u00e9 de cette contribution.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Sachez toutefois que seuls les montants accumul\u00e9s pendant la p\u00e9riode de mariage sont consid\u00e9r\u00e9s pour la constitution du patrimoine familial. Les sommes accumul\u00e9es avant l\u2019union vous reviennent \u00e0 100\u202f%.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il est possible de demander \u00e0 Retraite Qu\u00e9bec d\u2019effectuer une simulation des effets qu\u2019aurait une rupture sur votre couple. Avant de le faire, assurez-vous toutefois d\u2019avoir en main tous vos chiffres n\u00e9cessaires, incluant vos actifs et vos passifs. En cas de partage, les revenus de travail admissibles seront r\u00e9partis selon la dur\u00e9e de la vie commune avec votre ex-conjoint. Le relev\u00e9 de cotisations \u00e0 la RRQ indiquera par la suite le montant qui aura \u00e9t\u00e9 partag\u00e9 entre les deux personnes.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2>Demandez l&rsquo;aide de professionnels<\/h2>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">Finalement, sachez que ces quelques points ne sont qu\u2019un survol du d\u00e9fi que repr\u00e9sente une s\u00e9paration ou un divorce. Gardez en t\u00eate que les s\u00e9parations ne sont jamais simples et beaucoup de lois et r\u00e8glements les encadrent, surtout lorsqu\u2019il s\u2019agit d\u2019un divorce. De plus, la l\u00e9gislation change d\u2019une province \u00e0 l\u2019autre. Si vous vous \u00eates mari\u00e9s sur une plage du Nouveau-Brunswick, les d\u00e9tails de la s\u00e9paration ne seront pas les m\u00eames. Il est donc tr\u00e8s important de faire affaire avec un avocat ou un notaire. Il est \u00e9galement recommand\u00e9 de consulter un conseiller financier pour vous appuyer dans les d\u00e9marches de nature financi\u00e8re.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une rupture est toujours difficile, m\u00eame quand elle se fait \u00e0 l\u2019amiable. En plus de la charge \u00e9motive d\u2019un tel [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":471,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les effets d\u2019une s\u00e9paration sur les finances d\u2019un couple<\/title>\n<meta name=\"description\" content=\"Une rupture est toujours difficile, m\u00eame quand elle se fait \u00e0 l\u2019amiable. 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