{"id":16716,"date":"2026-11-06T15:23:38","date_gmt":"2026-11-06T14:23:38","guid":{"rendered":"https:\/\/balmontconseil.com\/?page_id=16716"},"modified":"2026-11-06T15:23:38","modified_gmt":"2026-11-06T14:23:38","slug":"lp-expatriation","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/lp-expatriation\/","title":{"rendered":"Expatriation et non-r\u00e9sidents : conseil \u00e0 Lyon"},"content":{"rendered":"\n<style>body:has(.bms){overflow-x:clip!important}#Content>.content_wrapper>.mfn-page-title,#Subheader{display:none!important}#Content{padding-top:0!important}#Content .bms{width:100vw;max-width:100vw;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);overflow-x:clip;background:var(--bg);color:var(--tx);font:400 18px\/1.55 var(--f);-webkit-font-smoothing:antialiased;text-align:left;--bg:#f5f3ee;--tx:#10130c;--mu:#666b5b;--ac:#c8f020;--dk:#0d0f0a;--ln:rgba(16,19,12,.09);--ease:cubic-bezier(.22,1,.36,1);--f:-apple-system,BlinkMacSystemFont,\"SF Pro 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var(--ln);border-radius:24px;padding:28px;box-shadow:0 20px 50px -34px rgba(16,19,12,.35)}#Content .bms .stats .st b{display:inline;font-size:clamp(30px,3.4vw,46px);font-weight:700;letter-spacing:-.03em;line-height:1.15;background:linear-gradient(transparent 62%,rgba(200,240,32,.7) 62%)}#Content .bms .stats .st span{display:block;margin-top:14px;font-size:15.5px;color:var(--mu);line-height:1.5}@media(max-width:900px){#Content .bms .stats{grid-template-columns:1fr}#Content .bms .ph img{aspect-ratio:16\/11;border-radius:26px}#Content .bms .float{left:10px;right:10px;max-width:none;bottom:-22px}#Content .bms .hero{padding-bottom:70px}}#Content .bms .fin .ghost{color:#f5f6f1!important}#Content .bms .fin .ghost:hover{background:#f5f6f1!important;color:#10130c!important}<\/style>\n\n\n\n<div class=\"bms\"><section class=\"hero\"><div class=\"wrap hg\">\n<div class=\"hl\">\n<span class=\"chip\">Expatriation et non-r\u00e9sidents<\/span>\n<h1>Partir vivre \u00e0 l\u2019\u00e9tranger : pr\u00e9parer son d\u00e9part avant le jour du d\u00e9part.<\/h1>\n<p class=\"sub\">Domicile fiscal, exit tax, \u00e9pargne en France, assurance-vie : ce qui se d\u00e9cide avant de quitter la France conditionne ce que vous paierez ensuite, en France comme dans votre pays d\u2019arriv\u00e9e.<\/p>\n<a class=\"bigcta\" id=\"hero-cta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-expatriation&amp;utm_content=hero\">Prendre rendez-vous<b><i><\/i><\/b><\/a>\n<a class=\"alt\" href=\"https:\/\/balmontconseil.com\/expatriation\/\">Voir notre page expatriation<\/a>\n<ul class=\"checks\"><li>Conventions fiscales et pays de destination \u00e9tudi\u00e9s<\/li><li>Contrat d\u2019assurance-vie qui vous suit \u00e0 l\u2019\u00e9tranger<\/li><li>Cabinet immatricul\u00e9 \u00e0 l\u2019ORIAS sous le n\u00b0 13003497<\/li><\/ul>\n<p class=\"note\">Vous choisissez un cr\u00e9neau sur le calendrier de Balmont Conseil.<\/p>\n<\/div>\n<div class=\"ph\"><img decoding=\"async\" src=\"https:\/\/balmontconseil.com\/wp-content\/uploads\/2026\/11\/quitter-france-etats-unis.webp\" width=\"1600\" height=\"903\" alt=\"Valise ouverte pr\u00e8s d\u2019une fen\u00eatre lumineuse avant un d\u00e9part \u00e0 l\u2019\u00e9tranger\" fetchpriority=\"high\"><div class=\"float\"><strong>Avant de signer un bail ou un contrat<\/strong><p>C\u2019est le bon moment pour en parler.<\/p><\/div><\/div>\n<\/div><\/section>\n\n\n<div class=\"band\"><div><b>ORIAS 13003497<\/b><span>Courtier en assurances<\/span><\/div><div><b>Certifi\u00e9 AMF<\/b><span>Conseiller en investissements financiers et immobiliers<\/span><\/div><div><b>Bient\u00f4t 14 ans<\/b><span>de conseil \u00e0 Lyon<\/span><\/div><div><b>23 compagnies<\/b><span>d\u2019assurance et d\u2019\u00e9pargne partenaires<\/span><\/div><\/div>\n\n<section class=\"sec\" style=\"padding-top:clamp(50px,6vw,84px)\"><div class=\"wrap\"><div class=\"hd\"><h2>Les rep\u00e8res<\/h2><\/div><div class=\"stats\"><div class=\"st\"><b>3 crit\u00e8res<\/b><span>de domicile fiscal en France (article 4 B du CGI) : un seul suffit \u00e0 \u00eatre r\u00e9sident fiscal fran\u00e7ais.<\/span><\/div><div class=\"st\"><b>7,5 % ou 12,8 %<\/b><span>taux retenus par la France sur les gains d\u2019une assurance-vie \u00e0 d\u00e9faut de convention fiscale.<\/span><\/div><div class=\"st\"><b>Chaque ann\u00e9e<\/b><span>d\u00e9claration d\u2019un contrat d\u2019assurance-vie ouvert \u00e0 l\u2019\u00e9tranger (formulaire 3916-bis).<\/span><\/div><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Ce qu\u2019on regarde avant de partir<\/h2><\/div><div class=\"c3\"><div class=\"pc\"><h3>Votre domicile fiscal<\/h3><p>Le foyer ou le lieu de s\u00e9jour principal, l\u2019activit\u00e9 professionnelle principale, le centre des int\u00e9r\u00eats \u00e9conomiques : un seul de ces crit\u00e8res suffit \u00e0 rester r\u00e9sident fiscal fran\u00e7ais.<\/p><\/div><div class=\"pc\"><h3>L\u2019exit tax<\/h3><p>Au d\u00e9part, certaines plus-values latentes sur des titres peuvent \u00eatre impos\u00e9es, sous conditions. Elle se pr\u00e9pare avant le d\u00e9part, pas apr\u00e8s.<\/p><\/div><div class=\"pc\"><h3>La convention fiscale<\/h3><p>Chaque pays a sa convention avec la France, qui r\u00e9partit le droit d\u2019imposer. Elle change la fiscalit\u00e9 des revenus, des plus-values et de l\u2019\u00e9pargne.<\/p><\/div><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Votre \u00e9pargne quand vous partez<\/h2><\/div><div class=\"c3\"><div class=\"pc\"><h3>L\u2019assurance-vie fran\u00e7aise<\/h3><p>Le contrat continue : il n\u2019y a rien \u00e0 fermer. Mais l\u2019assureur peut refuser de nouveaux versements depuis certains pays, et la fiscalit\u00e9 des retraits d\u00e9pend de la convention fiscale.<\/p><\/div><div class=\"pc\"><h3>L\u2019assurance-vie luxembourgeoise<\/h3><p>Pens\u00e9e pour suivre son souscripteur d\u2019un pays \u00e0 l\u2019autre. Un contrat souscrit \u00e0 l\u2019\u00e9tranger se d\u00e9clare chaque ann\u00e9e dans le pays qui l\u2019exige.<\/p><\/div><div class=\"pc\"><h3>Les biens en France<\/h3><p>Immobilier, titres, comptes : leur imposition de non-r\u00e9sident et l\u2019IFI \u00e9ventuel se pr\u00e9parent avant le d\u00e9part.<\/p><\/div><\/div><div class=\"risk\"><strong>\u00c0 savoir.<\/strong> Chaque situation d\u00e9pend de votre pays de destination, de votre statut et de votre patrimoine. Cette page pr\u00e9sente des rep\u00e8res g\u00e9n\u00e9raux, pas une \u00e9tude de votre cas.<\/div><\/div><\/section>\n<section class=\"sec\" style=\"padding-top:clamp(40px,5vw,70px)\"><div class=\"wrap\"><div class=\"mid\"><a class=\"bigcta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-expatriation&amp;utm_content=milieu\">Prendre rendez-vous<b><i><\/i><\/b><\/a><\/div><p class=\"small\">Id\u00e9alement, on se parle avant de signer un bail ou un contrat de travail \u00e0 l\u2019\u00e9tranger.<\/p><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Les destinations que nous \u00e9tudions<\/h2><\/div><p class=\"lead\">Une fiche par pays : fiscalit\u00e9, r\u00e9sidence, conventions.<\/p><div class=\"links\"><a href=\"https:\/\/balmontconseil.com\/vivre-au-luxembourg-fiscalite-et-residence-fiscale\/\"><strong>Luxembourg<\/strong><span>Fiscalit\u00e9 et r\u00e9sidence fiscale.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/vivre-en-suisse-fiscalite-et-residence-fiscale\/\"><strong>Suisse<\/strong><span>Fiscalit\u00e9 et r\u00e9sidence fiscale.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/vivre-a-monaco-fiscalite-et-residence-fiscale\/\"><strong>Monaco<\/strong><span>Fiscalit\u00e9 et r\u00e9sidence fiscale.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/vivre-aux-emirats-arabes-unis-fiscalite-et-residence-fiscale\/\"><strong>\u00c9mirats arabes unis<\/strong><span>Fiscalit\u00e9 et r\u00e9sidence fiscale.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/vivre-au-portugal-fiscalite-et-residence-fiscale\/\"><strong>Portugal<\/strong><span>Fiscalit\u00e9 et r\u00e9sidence fiscale.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/vivre-au-royaume-uni-fiscalite-et-residence-fiscale\/\"><strong>Royaume-Uni<\/strong><span>Fiscalit\u00e9 et r\u00e9sidence fiscale.<\/span><em>Lire \u2192<\/em><\/a><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Vos questions<\/h2><\/div><div class=\"faq\"><details open><summary>\u00c0 partir de quand ne suis-je plus r\u00e9sident fiscal fran\u00e7ais ?<\/summary><p>Lorsque vous ne remplissez plus aucun des trois crit\u00e8res du domicile fiscal. Il ne suffit pas d\u2019habiter \u00e0 l\u2019\u00e9tranger : il faut avoir d\u00e9plac\u00e9 votre foyer, votre activit\u00e9 principale et le centre de vos int\u00e9r\u00eats \u00e9conomiques.<\/p><\/details><details><summary>Mon assurance-vie reste-t-elle valable ?<\/summary><p>Oui, le contrat continue. Les r\u00e8gles du pays d\u2019arriv\u00e9e et celles de l\u2019assureur d\u00e9terminent ce qui change, notamment les nouveaux versements.<\/p><\/details><details><summary>Un contrat luxembourgeois est-il adapt\u00e9 \u00e0 un expatri\u00e9 ?<\/summary><p>Il est con\u00e7u pour s\u2019adapter \u00e0 la fiscalit\u00e9 du pays de r\u00e9sidence, sans avoir \u00e0 le fermer. \u00c0 \u00e9tudier selon votre pays de destination.<\/p><\/details><details><summary>Dois-je d\u00e9clarer mon contrat ouvert \u00e0 l\u2019\u00e9tranger ?<\/summary><p>Oui. Un contrat souscrit \u00e0 l\u2019\u00e9tranger se d\u00e9clare chaque ann\u00e9e avec la d\u00e9claration de revenus, avec le formulaire 3916-bis.<\/p><\/details><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Pour aller plus loin<\/h2><\/div><div class=\"links\"><a href=\"https:\/\/balmontconseil.com\/expatriation\/\"><strong>Expatriation<\/strong><span>Notre accompagnement des expatri\u00e9s.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/residence-fiscale-francaise-article-4-b-les-trois-criteres\/\"><strong>R\u00e9sidence fiscale : les trois crit\u00e8res<\/strong><span>L\u2019article 4 B en d\u00e9tail.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/quitter-la-france-exit-tax-et-domicile-fiscal\/\"><strong>Quitter la France : exit tax et domicile fiscal<\/strong><span>Ce qui se pr\u00e9pare avant le d\u00e9part.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/declarer-un-contrat-d-assurance-vie-ouvert-a-l-etranger\/\"><strong>D\u00e9clarer un contrat \u00e0 l\u2019\u00e9tranger<\/strong><span>Les informations \u00e0 r\u00e9unir.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/rachat-assurance-vie-francaise-depuis-l-etranger\/\"><strong>Rachat d\u2019une assurance-vie depuis l\u2019\u00e9tranger<\/strong><span>Les r\u00e8gles de retrait.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/nos-solutions\/assurance-vie-luxembourgeoise\/\"><strong>Assurance-vie luxembourgeoise<\/strong><span>Un contrat qui vous suit.<\/span><em>Lire \u2192<\/em><\/a><\/div><\/div><\/section>\n<section class=\"fin\"><img decoding=\"async\" src=\"https:\/\/balmontconseil.com\/wp-content\/uploads\/2026\/10\/alexis-sagnier-fondateur-balmont-conseil.webp\" width=\"900\" height=\"1200\" alt=\"Alexis Sagnier, fondateur de Balmont Conseil\"><div><h2>Votre d\u00e9part se pr\u00e9pare. Parlons-en avant.<\/h2><p>Alexis Sagnier, conseiller en investissements financiers et immobiliers, courtier en assurances, certifi\u00e9 AMF. Il r\u00e9pond du lundi au samedi, sauf le mercredi.<\/p><\/div><div><a class=\"bigcta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-expatriation&amp;utm_content=final\">Prendre rendez-vous<b><i><\/i><\/b><\/a><a class=\"ghost\" href=\"https:\/\/balmontconseil.com\/expatriation\/\">Voir la page expatriation<\/a><\/div><\/section>\n<p class=\"foot\">Informations g\u00e9n\u00e9rales, qui ne remplacent pas une \u00e9tude personnalis\u00e9e : les r\u00e8gles fiscales \u00e9voluent, v\u00e9rifiez-les \u00e0 la date de votre op\u00e9ration.<br>Balmont Conseil SASU \u00b7 80 rue Docteur Edmond Locard, B\u00e2timent C2, 69005 Lyon \u00b7 ORIAS 13003497<\/p>\n<div class=\"stk\" id=\"stk\"><a class=\"bigcta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-expatriation&amp;utm_content=mobile-sticky\">Prendre rendez-vous<b><i><\/i><\/b><\/a><\/div>\n<script>(function(){var s=document.getElementById('stk'),h=document.getElementById('hero-cta');if(!s||!h)return;function f(){s.classList.toggle('on',h.getBoundingClientRect().bottom<0)}addEventListener('scroll',f,{passive:true});f()})();<\/script>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Expatriation et non-r\u00e9sidents Partir vivre \u00e0 l\u2019\u00e9tranger : pr\u00e9parer son d\u00e9part avant le jour du d\u00e9part. Domicile fiscal, exit tax, \u00e9pargne en France, assurance-vie : ce qui se d\u00e9cide avant de quitter<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"mfn-post-hide-title":"","footnotes":""},"class_list":["post-16716","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/16716","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/comments?post=16716"}],"version-history":[{"count":1,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/16716\/revisions"}],"predecessor-version":[{"id":16727,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/16716\/revisions\/16727"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=16716"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}