{"id":3117,"date":"2026-09-14T11:45:51","date_gmt":"2026-09-14T09:45:51","guid":{"rendered":"https:\/\/balmontconseil.com\/?page_id=3117"},"modified":"2026-09-14T11:45:52","modified_gmt":"2026-09-14T09:45:52","slug":"expatriation-espagne","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/expatriation-espagne\/","title":{"rendered":"Are you moving to Madrid? Here&#039;s what&#039;s changing regarding your contracts."},"content":{"rendered":"<div class=\"balmont-destination\">\n<style>#Content>.content_wrapper>.mfn-page-title{display:none!important}.balmont-destination.balmont-destination{width:100vw;max-width:100vw;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);padding:0;background:#0A0C08!important;color:#FFFFFF!important;font-size:16px;line-height:1.5;text-align:left;font-family:Inter,-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif!important;-webkit-font-smoothing:antialiased;letter-spacing:-.011em;overflow-x:clip}.balmont-destination.balmont-destination *{box-sizing:border-box;color:inherit;font-family:inherit;text-align:inherit}.balmont-destination.balmont-destination a{color:inherit;text-decoration:none!important;border:0}.balmont-destination.balmont-destination p:empty{display:none}.balmont-destination.balmont-destination .wrap{max-width:1200px;margin:0 auto;padding:64px 32px 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.calc{order:-1}.balmont-destination.balmont-destination .main{order:0}.balmont-destination.balmont-destination .side .why-card{order:1}}@media (max-width:640px){.balmont-destination.balmont-destination h1{font-size:30px}.balmont-destination.balmont-destination thead{display:none}.balmont-destination.balmont-destination tr{display:block;border-top:1px solid rgba(255,255,255,.1);padding:12px 0}.balmont-destination.balmont-destination td{display:block;border:0;padding:2px 0}.balmont-destination.balmont-destination td.a{font-weight:600}.balmont-destination.balmont-destination td.f{color:rgba(255,255,255,.55);font-size:13px}.balmont-destination.balmont-destination td.f:before{content:\"\u2192 \"}}<\/style>\n<div class=\"wrap\">\n<div class=\"main\">\n<p class=\"k\">Are you going to Madrid?<\/p>\n<h1>What&#039;s blocking, what&#039;s following, what&#039;s costing - based on your contracts, not on a typical case.<\/h1>\n<p class=\"lede\">Online insurers stop at the border: Nalo only accepts a list of countries, Fortuneo requires a French tax address, and Linxea&#039;s PER (retirement savings plan) refuses non-residents. A Luxembourg contract follows you\u2014and what you pay is clearly stated.<\/p>\n<div class=\"tbl\">\n<table>\n<thead>\n<tr>\n<th>What you have<\/th>\n<th>In Spain<\/th>\n<th>What we do<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"a\">French assurance-vie<\/td>\n<td class=\"p\">12.8 % at redemption (7.5 % after eight years), without the \u20ac4,600 discount<\/td>\n<td class=\"f\">Keep, or switch \u2014 encrypted<\/td>\n<\/tr>\n<tr>\n<td class=\"a\">PER<\/td>\n<td class=\"p\">Payments often refused to non-residents; deduction irrelevant without taxable income in France<\/td>\n<td class=\"f\">Luxembourg contract \u2014 accepted country according to the insurer&#039;s written list<\/td>\n<\/tr>\n<tr>\n<td class=\"a\">Primary residence<\/td>\n<td class=\"p\">Exemption lost after departure; partial exemption possible (\u20ac150,000 capital gain, subject to conditions)<\/td>\n<td class=\"f\">Sell before \u2014 on the calendar<\/td>\n<\/tr>\n<tr>\n<td class=\"a\">Holding<\/td>\n<td class=\"p\">exit tax, automatic deferral (EU)<\/td>\n<td class=\"f\">Executive&#039;s cockpit, with your chartered accountant<\/td>\n<\/tr>\n<tr>\n<td class=\"a\">Dividends from your holding company<\/td>\n<td class=\"p\">Withholding tax limited to 15 % (art. 10 \u00a7 2 b)<\/td>\n<td class=\"f\">Distribute before, or after \u2014 according to the schedule<\/td>\n<\/tr>\n<tr>\n<td class=\"a\">Retirement (private pensions)<\/td>\n<td class=\"p\">imposed in Spain (art. 18)<\/td>\n<td class=\"f\">The retirement point of the file<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"acc\">\n<p class=\"k\">Who will accept you, and what does it cost?<\/p>\n<h2>In Spain, 4 Luxembourg insurers from our grid accept you, in writing.<\/h2>\n<ul>\n<li>Allianz Life Luxembourg<\/li>\n<li>Utmost Luxembourg (formerly Lombard International Assurance)<\/li>\n<li>Wealins<\/li>\n<li>Baloise Life Luxembourg<\/li>\n<\/ul>\n<p class=\"ph\">Fees for these contracts: 0.6 to 1.0 per year at standard rates, depending on the investment options \u2014 compared to the fees shown on your statement: the comparison tool shows them side-by-side, over 10 and 20 years. None of the PERs in our table accept residents of Spain: we will not offer them to you.<\/p>\n<div class=\"act\"><a class=\"btn\" href=\"https:\/\/app.balmontconseil.com\/comparateur?pays=ES&amp;src=site-expatriation-espagne\">Compare your contracts \u00b7 30 seconds, no account required \u2192<\/a><\/p>\n<p class=\"lu\">Read from each insurer&#039;s written list, contract by contract \u2014 updated with each review of the grid.<\/p>\n<\/div>\n<\/div>\n<p class=\"note\">Firm fees: \u20ac500 including VAT per hour. Countries accepted by our insurers: written list, contract by contract.<\/p>\n<\/div>\n<div class=\"side\">\n<div class=\"card calc\">\n<p class=\"k\">In thirty seconds, without counting<\/p>\n<h2>What&#039;s happening if you go to Madrid<\/h2>\n<form method=\"get\" action=\"https:\/\/app.balmontconseil.com\/partir\/es#bouge\"><input type=\"hidden\" name=\"src\" value=\"site-expatriation-espagne\"><\/p>\n<div>\n<p class=\"et\">French assurance-vie<\/p>\n<div class=\"deux\"><input name=\"av\" inputmode=\"numeric\" placeholder=\"Rising\" aria-label=\"French life insurance, amount\"><input name=\"gains\" inputmode=\"numeric\" placeholder=\"including earnings\" aria-label=\"French life insurance, including gains\"><\/div>\n<\/div>\n<div>\n<p class=\"et\">PER<\/p>\n<p><input name=\"per\" inputmode=\"numeric\" placeholder=\"Rising\" aria-label=\"PER, amount\"><\/div>\n<div>\n<p class=\"et\">Primary residence<\/p>\n<div class=\"deux\"><input name=\"rp\" inputmode=\"numeric\" placeholder=\"value\" aria-label=\"Main residence, value\"><input name=\"pv\" inputmode=\"numeric\" placeholder=\"of which capital gain\" aria-label=\"Primary residence, capital gain\"><\/div>\n<\/div>\n<div>\n<p class=\"et\">Planned departure date<\/p>\n<p><input name=\"depart\" type=\"date\" aria-label=\"Planned departure date\"><\/div>\n<div><button type=\"submit\" class=\"btn\">See what&#039;s moving \u2192<\/button><\/div>\n<p class=\"aide\">Immediate result: three encrypted lines. To go further: free X-ray service, or a twenty-minute call.<\/p>\n<\/form>\n<\/div>\n<div class=\"card why-card\">\n<p class=\"k\">Why a firm in Lyon rather than a network?<\/p>\n<p class=\"why\">You keep your notary and your accountant: they work on your case, with a deadline. You know exactly what you&#039;re paying. You leave with proof of the advice you received. Three things no network will ever offer you.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Life insurance, retirement savings plans (PER), primary residence, holding company: what&#039;s changing in Spain, calculated on your assets in thirty seconds, without an account. Balmont Conseil, Lyon.<\/p>","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3117","page","type-page","status-publish","hentry"],"acf":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/3117","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=3117"}],"version-history":[{"count":1,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/3117\/revisions"}],"predecessor-version":[{"id":3127,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/3117\/revisions\/3127"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=3117"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}