Prendre sa retraite au Maroc
by Pollete
This discussion is in French, the community’s main language.
Original post
Bonjour,
Quel heureux retraité installé au maroc aurait la gentillesse de me faire savoir si outre la fiscalité marocaine( abattement 80% sur sommes definitivement virées sur compte en Dh non convertibles), il y a ou non un premier prélèvement liberatoire de 12% (ou plus jusqu'à 20% selon montant retraite net)
fait par les organismes de retraite à qui l'on demande le virement à l'étranger.
Je ne le vois stipulé nulle part sauf sur la notice des declarations d'impôts pour les français vivant hors de France.
Cela change à mon avis bien les choses..
Merci d'avance pour votre réponse
Cordialement et dans l'attente de vous lire
Bonsoir
En ce qui me concerne je touche la même somme que lorsque j'étais en France et rien n'a été prélevé lorsque j'ai demandé le transfert sur compte marocain bien qu'ayant reçu le papier précisant que je perçois la totalité de ma retraite sur compte marocain.
Alain
Merci de votre réponse.
En creusant un peu la convention fiscale franco marocaine, je me suis aperçue que celle-ci étant ancienne bénéficiait d'un accord particulièrement favorable et devait dispenser de ce prélèvement d'office, ce que vous me confirmez et c'est une bonne nouvelle.(sauf remise en question par l'état français...)
Je prépare ce mini exode pour dans 2 ans et viendrai au Maroc pour prospecter un peu plus longuement l'an prochain.
A priori j'envisage Rabat ou la région de Tanger, Asilah, Tetouan...
Sans vouloir vous importuner, vous plaisez-vous à Safi, êtes-vous là-bas depuis longtemps, avez-vous pris la protection médicale des français expatriés CFE, avez-vous acquis un bien sans trop de difficultés ou entourloupes ?
Je vous souhaite de toute façon d'en profiter au mieux.
Cordialement
Ah oui mais dans deux ans je pense que pas mal de choses auront encore changées.
Non je n'ai pas eu besoin de changer de protection sociale puisque ma caisse de sécurité sociale française continue de me couvrir au Maroc et de même pour ma complémentaire. Je suis donc toujours couvert exactement aux mêmes conditions que si je résidais en France.
Pour ce qui est de Safi qui, disons ne me déplait pas, cette ville me sert de base pour observer et apprendre la vie au Maroc. Petit à petit des choses se précisent et des choix se font. Je ne me presse pas pour acheter de façon à bien comprendre le système et choisir un endroit qui me convienne le mieux possible. Voilà et de toute façon les jours de "blues" je reprends vite le dessus en réalisant qu'ici je vis alors qu'en France je serais certainement sous les ponts. Je m'estime donc heureux du choix que j'ai fais et puis il y a des gens tellement super ici que l'on s'y trouve bien.
Alain
C'est très sympa de m'avoir répondu si vite.
J'espère que le Maroc se battra pour toute modif qui serait voulue par la France. C'est tout à son avantage pour continuer à attirer les retraités. Donc je surveillerai mais pense que cela devrait perdurer.
C'est un super avantage d'avoir la protection santé idem.
Avez-vous eu la moindre difficulté pour obtenir le statut de résident (maroc) ?
Cela doit se faire systematiquement du moment qu'on fait virer sa retraite, non?
Je ne connais pas Safi, je connais essaouira mais il y a trop de touristes à mon goût même si l'ambiance est sympa. On parle bcp de El Jadida mais je ne la connais pas non plus
J'ai bcp voyagé(surtout Asie) et c'est vrai que j'aime bien le Maroc et comme la vie en France me deplait de plus en plus, j'envisage très sérieusement ce projet . Je me pose tout de même la question en temps que femme seule ds un pays musulman c'est pourquoi Rabat me semblerait la plus appropriée. Si je peux y trouver un petit 2 pièces ds la medina ce serait le rêve peut être à louer ds un 1er temps.
Je me doute qu'on doit parfois être nostalgique mais c'est un si beau pays et j'aime cette simplicité qu'on y trouve encore ds les quartiers traditionnels.
Bon week end à Safi. Ici il pleut !!
Je n'ai pas d'ordinateur chez moi donc ne suis pas tjrs très réactive pour répondre mais ce sera avec plaisir.
Pour la carte de résident il faut une adresse, un compte en banque alimenté puis des paperasses dont il est préférable de demander la liste là où vous ferez votre demande.
Moi j'avais essayé à Témara mais je n'ai pas très bien "senti" l'affaire. Je pense qu'il attendait de l'argent car bizarrement il y avait toujours quelque chose qui n'allait pas mais refusant toujours de graisser les pattes, j'ai décidé de changer de ville. Je suis donc venu à Safi j'ai loué un étage de maison et suis allé voir pour ma demande. Etrangement tout allait très bien ici et n'ai plus rencontré aucun problème.
Entre Safi, Essaouira ou El Jadida c'est bien Safi que je préfère car Essaouira est trop touristique et surtout il y a trop de vent quant à El Jadida je n'aime pas du tout. J'y ai des amis marocains chez qui je vais parfois mais franchement je ne trouve rien de bien mais eux non plus alors je ne pense pas que ce soit moi qui sois difficile.
Ici il est tombé quelques gouttes (un pipi d'oiseau) hier mais de nouveau le soleil nous chauffe.
Bon we aussi
Alain
Je viens de lire pour la 1è fois votre profil sur le site et en repensant à ce que je vous notais sur le mail précédent en évoquant une possible "nostalgie", mon idée était et serait alors de partir 2 -3 semaines pour explorer le sud ou le moyen atlas. Si on peut le faire à plusieurs ce serait super !! Pour moi pas avant 2 ans c'est sûr mais cela passe vite. L'an prochain vais plutôt essayer de trouver la ville (du nord )ou je me sens le mieux et glaner un maximun d'infos.
Tant mieux que tout ce soit bien passé pour vous à Safi, cela ne m'étonne guere qu'il y ait des attitudes très différentes selon l'interlocuteur.
J'ai deja pas mal d'infos sur les démarches, restera à être confronté aux réalités...
Avez-vous trouvé quelque chose d'au moins semi meublé ou bien il ne faut pas y compter, et combien faut -il compter pour une location de 50m2 par ex. louer un étage d'une maison me semble un très bon plan, est-ce rare ?
je compte de toute façon ne passer que 6 à 7 mois /an au Maroc donc très vite sera préférable d'acheter un petit lieu.
J'espère ne pas vous ennuyer, c'est sûr que je profite un peu de votre expérience pour vous poser des questions.Il y a eu énormément de lecteurs de mon message mais seulement vous avez pris la peine d'y répondre. Donc encore merci.
Je pars le 2 nov pour le laos que je vais explorer durant 3 semaines(c'est un des rares pays d'asie que je ne connaisse pas) et je rebasculerai ensuite sur le nord Thailande, pays que j'aime bcp.Mais en asie très difficile d'avoir les visas pour plus de 3 ou 6 mois à moins d'y investir et les conventions st loin d'être aussi favorables qu'au maroc qui en plus est proche.
Je vous note mon mail perso, si vous acceptez que l'on converse de temps à autre:
catherinepollet@yahoo.fr ce sera plus pratique.
Au fait, que pensez-vous des villes du nord dont je vous ai parlé et connaissez-vous des retraitées seules installées au maroc ?
A bientôt de vous lire.
bonjour catherine
j ai le meme projet que vous d aller s installer au maroc, ou en etes vous dans vos recherches? pourriez vous partager vos decouvertes avec moi ?
j avoue etre frileux coté paperasses, medical, et arnaques...
cordialement
jean louis
😏 Bonjour à Tous.
Mise à part la fiscalité , je souhaiterais savoir :
1 - après le versement de ma pension sur un compte au Maroc , certains prélèvements d'organismes financiers en France peuvent-ils continuer à faire leurs prélèvements et si oui quelles formalités dois-je faire.
2 - comment se passe la couverture de la Sécurité Sociale et Mutuelle complémentaire , et quelles formalités dois-je faire
Merci d'avance pour vos commentaires .
1. pour tes prelevements francais, il faut toujours gardé ton compte francais.
2. il faut souscrire une assurance maladie car tu n'auras plus ta securité sociale et prendre une autre mutuelle
Log in first, then come back to this page.
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