{"id":15081,"date":"2025-10-15T14:46:21","date_gmt":"2025-10-15T19:46:21","guid":{"rendered":"https:\/\/twinn.ca\/?p=15081"},"modified":"2025-11-27T01:40:36","modified_gmt":"2025-11-27T06:40:36","slug":"celiapp","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/celiapp\/","title":{"rendered":"Comment mettre en place un CELIAPP pour votre \u00e9quipe!"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Acheter une premi\u00e8re maison devient presque irr\u00e9aliste pour bien des employ\u00e9s, surtout les plus jeunes qui jonglent avec le loyer, les dettes et la hausse constante des prix. C\u2019est ce qui pousse un nombre croissant d\u2019employeurs \u00e0 rechercher de nouvelles fa\u00e7ons d\u2019aider leur \u00e9quipe \u00e0 franchir cette \u00e9tape.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>CELIAPP<\/strong> cr\u00e9e un pont entre finances personnelles et soutien en milieu de travail. Il donne aux employ\u00e9s une r\u00e9elle possibilit\u00e9 d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9 tout en renfor\u00e7ant votre strat\u00e9gie de mieux-\u00eatre financier. Ce n\u2019est pas qu\u2019un avantage th\u00e9orique; c\u2019est un outil qui favorise la stabilit\u00e9, et la stabilit\u00e9 nourrit l\u2019engagement.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15081_d50011-0d{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15081_d50011-0d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15081_d50011-0d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15081_d50011-0d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15081_d50011-0d{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id15081_d50011-0d > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id15081_d50011-0d{box-shadow:0px 0px 12px 3px rgba(0, 0, 0, 0.2);border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}.kb-row-layout-id15081_d50011-0d{background-color:rgba(58,173,113,0.17);}.kb-row-layout-id15081_d50011-0d > .kt-row-layout-overlay{opacity:0.49;}@media all and (max-width: 1024px){.kb-row-layout-id15081_d50011-0d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id15081_d50011-0d{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-row-layout-id15081_d50011-0d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15081_d50011-0d{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15081_d50011-0d alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15081_d11d95-67 > .kt-inside-inner-col,.kadence-column15081_d11d95-67 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15081_d11d95-67 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_d11d95-67 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15081_d11d95-67 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15081_d11d95-67 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_d11d95-67{position:relative;}@media all and (max-width: 1024px){.kadence-column15081_d11d95-67 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15081_d11d95-67 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_d11d95-67\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7, .wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7[data-kb-block=\"kb-adv-heading15081_43b323-d7\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7[data-kb-block=\"kb-adv-heading15081_43b323-d7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7[data-kb-block=\"kb-adv-heading15081_43b323-d7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7, .wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7[data-kb-block=\"kb-adv-heading15081_43b323-d7\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7, .wp-block-kadence-advancedheading.kt-adv-heading15081_43b323-d7[data-kb-block=\"kb-adv-heading15081_43b323-d7\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading15081_43b323-d7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15081_43b323-d7\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_114762-b3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_114762-b3 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_114762-b3 ul.kt-svg-icon-list{grid-row-gap:20px;}.kt-svg-icon-list-items15081_114762-b3 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_114762-b3 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_14ca2b-0d .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15081_14ca2b-0d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_14ca2b-0d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Le CELIAPP aide les employ\u00e9s \u00e0 constituer plus rapidement une mise de fonds en combinant les d\u00e9ductions fiscales du REER et les retraits libres d\u2019imp\u00f4t du CELI.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_70655c-6f .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15081_70655c-6f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_70655c-6f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Il s\u2019int\u00e8gre facilement aux avantages sociaux ou aux r\u00e9gimes d\u2019\u00e9pargne collectifs sans alourdir l\u2019administration.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_9f6436-b8 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15081_9f6436-b8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_9f6436-b8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les cotisations sont souples: employeur, employ\u00e9 ou les deux peuvent contribuer, ce qui permet d\u2019adapter l\u2019outil \u00e0 diff\u00e9rents budgets et besoins.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_93b653-bb .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15081_93b653-bb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_93b653-bb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les sommes peuvent rester dans le CELIAPP jusqu\u2019\u00e0 15 ans, et les montants inutilis\u00e9s peuvent \u00eatre transf\u00e9r\u00e9s dans un REER ou un FERR sans p\u00e9nalit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_8e925a-af .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15081_8e925a-af .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_8e925a-af\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Proposer un CELIAPP montre que votre organisation prend au s\u00e9rieux le bien-\u00eatre financier de ses employ\u00e9s.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-first-home-savings-account-fhsa\">Qu\u2019est-ce qu\u2019un CELIAPP?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le CELIAPP est un outil d\u2019\u00e9pargne encore r\u00e9cent, pens\u00e9 pour aider les Canadiens \u00e0 mettre de l\u2019argent de c\u00f4t\u00e9 pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 tout en profitant d\u2019avantages fiscaux importants. Son fonctionnement s\u2019inspire \u00e0 la fois du REER et du CELI: les cotisations r\u00e9duisent l\u2019imp\u00f4t \u00e0 payer, et les retraits admissibles pour l\u2019achat d\u2019une maison ne sont pas impos\u00e9s. En pratique, cela signifie que les employ\u00e9s all\u00e8gent leur charge fiscale aujourd\u2019hui tout en b\u00e2tissant une mise de fonds enti\u00e8rement libre d\u2019imp\u00f4t.<\/p>\n\n\n<style>.kb-image15081_b35502-52 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15081_b35502-52 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/professional-young-man-standing-in-front-of-his-new-home-thanks-to-workplace-first-home-savings-account-fhsa.webp\" alt=\"Jeune professionnel debout devant une nouvelle maison gr\u00e2ce au \u00e9pargne accumuler d'un celiapp\" class=\"kb-img wp-image-14976\" title=\"Jeune professionnel debout devant une nouvelle maison gr\u00e2ce au \u00e9pargne accumuler d'un celiapp\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/professional-young-man-standing-in-front-of-his-new-home-thanks-to-workplace-first-home-savings-account-fhsa.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/professional-young-man-standing-in-front-of-his-new-home-thanks-to-workplace-first-home-savings-account-fhsa-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/professional-young-man-standing-in-front-of-his-new-home-thanks-to-workplace-first-home-savings-account-fhsa-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-should-you-add-a-first-home-savings-account-to-your-benefits-plan\">Pourquoi int\u00e9grer un CELIAPP \u00e0 vos avantages sociaux?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Adopter un CELIAPP signifie reconna\u00eetre les difficult\u00e9s r\u00e9elles li\u00e9es \u00e0 l\u2019accessibilit\u00e9 au logement. Cela montre aussi que vous \u00eates pr\u00eat \u00e0 soutenir les employ\u00e9s dans un projet de vie concret.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec <a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/mieux-etre-financier-travail\/importance.html\" data-type=\"link\" data-id=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/mieux-etre-financier-travail\/importance.html\" target=\"_blank\" rel=\"noopener\">des \u00e9tudes montrant<\/a> que le stress financier r\u00e9duit la productivit\u00e9, augmente l\u2019absent\u00e9isme et le turnover, offrir un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 peut aider \u00e0 r\u00e9duire ces co\u00fbts cach\u00e9s pour votre organisation. <br>Les impacts sont tangibles :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_9de202-24:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_9de202-24 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_9de202-24 ul.kt-svg-icon-list{grid-row-gap:12px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_9de202-24 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15081_9de202-24 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_9de202-24 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_82da27-92 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_82da27-92\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les employ\u00e9s se sentent accompagn\u00e9s dans un projet de vie majeur, ce qui renforce le moral et le sentiment d\u2019appartenance.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_550b4a-9f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_550b4a-9f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Moins de soucis financiers signifie moins de distraction et plus de disponibilit\u00e9 mentale.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_265df4-57 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_265df4-57\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Votre organisation gagne un avantage concurrentiel int\u00e9ressant pour attirer et retenir les talents.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_ba838d-51 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_ba838d-51\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les cotisations ou l\u2019\u00e9ducation li\u00e9es au CELIAPP favorisent une culture de mieux-\u00eatre financier, souvent associ\u00e9e \u00e0 un taux d\u2019absent\u00e9isme plus bas et \u00e0 un roulement de personnel r\u00e9duit.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_9aadca-bf .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_9aadca-bf\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Combin\u00e9 aux <span style=\"text-decoration: underline;\">r\u00e9gimes d\u2019\u00e9pargne collectifs<\/span>, il offre des solutions d\u2019\u00e9pargne plus vari\u00e9es que la seule pr\u00e9paration \u00e0 la retraite, ce qui augmente la participation globale aux programmes.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">En bref, lorsque les employ\u00e9s voient que leur employeur met \u00e0 leur disposition un outil concret qui les aide \u00e0 progresser dans leur vie personnelle, l\u2019engagement grimpe et le lien de confiance se renforce.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-the-fhsa-works\">Fonctionnement du CELIAPP<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le CELIAPP peut sembler technique au premier abord, mais son principe est tr\u00e8s simple: rendre l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 plus r\u00e9aliste en r\u00e9unissant les avantages cl\u00e9s du REER et du CELI. Les employ\u00e9s y versent des cotisations d\u00e9ductibles d\u2019imp\u00f4t maintenant, puis retirent les fonds libre d\u2019imp\u00f4t lorsqu\u2019ils ach\u00e8tent leur premi\u00e8re maison. Rarement un outil financier canadien offre un avantage aussi net aux premiers acheteurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Voici comment \u00e7a se d\u00e9compose :<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_c13ba5-02:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_c13ba5-02 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;column-gap:18px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_c13ba5-02 ul.kt-svg-icon-list{grid-row-gap:24px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_c13ba5-02 .kb-svg-icon-wrap{font-size:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_c13ba5-02 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15081_c13ba5-02 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (min-width: 1025px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_c13ba5-02:not(.kt-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_c13ba5-02:not(.kt-tablet-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_c13ba5-02:not(.kt-mobile-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_c13ba5-02 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_a1ba28-3e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_a1ba28-3e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Qui est admissible :<\/mark><\/strong> Toute personne r\u00e9sidant au Canada, \u00e2g\u00e9e de 18 ans ou plus, et consid\u00e9r\u00e9e comme acheteur d\u2019une premi\u00e8re propri\u00e9t\u00e9. Cela signifie que ni elle ni son conjoint\/partenaire n\u2019ont habit\u00e9 une maison dont ils \u00e9taient propri\u00e9taires au cours de l\u2019ann\u00e9e courante ou des quatre ann\u00e9es civiles pr\u00e9c\u00e9dentes.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_e29243-33 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_e29243-33\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark data-darkreader-inline-bgcolor=\"\" style=\"background-color: rgba(0, 0, 0, 0); --darkreader-inline-bgcolor: var(--darkreader-background-00000000, rgba(0, 0, 0, 0));\" class=\"has-inline-color has-theme-palette-2-color\">R\u00e8gles de contribution :<\/mark><\/strong> Jusqu\u2019\u00e0 <strong><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/investissements\/regimes-depargne\/celiapp-compte-depargne-libre-dimpot-pour-lachat-dune-premiere-propriete\" data-type=\"link\" data-id=\"https:\/\/lautorite.qc.ca\/grand-public\/investissements\/regimes-depargne\/celiapp-compte-depargne-libre-dimpot-pour-lachat-dune-premiere-propriete\" target=\"_blank\" rel=\"noopener\">8 000 $ par ann\u00e9e<\/a><\/strong>, pour un maximum \u00e0 vie de <strong>40 000 $<\/strong>. Les droits inutilis\u00e9s peuvent \u00eatre report\u00e9s, jusqu\u2019\u00e0 concurrence de 8 000 $ par ann\u00e9e, ce qui permet aux \u00e9pargnants qui s\u2019y prennent plus tard de rattraper le terrain perdu.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_e19097-6f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_e19097-6f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark data-darkreader-inline-bgcolor=\"\" style=\"background-color: rgba(0, 0, 0, 0); --darkreader-inline-bgcolor: var(--darkreader-background-00000000, rgba(0, 0, 0, 0));\" class=\"has-inline-color has-theme-palette-2-color\">Transferts et flexibilit\u00e9 :<\/mark><\/strong> Les employ\u00e9s peuvent transf\u00e9rer des sommes d\u2019un REER vers leur CELIAPP (dans les limites pr\u00e9vues) sans incidence fiscale imm\u00e9diate. Et s\u2019ils n\u2019utilisent finalement pas leur \u00e9pargne pour acheter une maison, ils peuvent renvoyer les fonds dans un REER ou un FERR, toujours sans p\u00e9nalit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_cf5d0d-a5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_cf5d0d-a5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark data-darkreader-inline-bgcolor=\"\" style=\"background-color: rgba(0, 0, 0, 0); --darkreader-inline-bgcolor: var(--darkreader-background-00000000, rgba(0, 0, 0, 0));\" class=\"has-inline-color has-theme-palette-2-color\">Options d\u2019investissement :<\/mark><\/strong> Fonds communs de placement, des FNB, fonds communs, CPG, actions individuelles, offrant ainsi aux \u00e9pargnants la possibilit\u00e9 d\u2019adapter leur croissance \u00e0 leur niveau de confort.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_bb7e2d-d4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_bb7e2d-d4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark data-darkreader-inline-bgcolor=\"\" style=\"background-color: rgba(0, 0, 0, 0); --darkreader-inline-bgcolor: var(--darkreader-background-00000000, rgba(0, 0, 0, 0));\" class=\"has-inline-color has-theme-palette-2-color\">Dur\u00e9e de vie du compte :<\/mark><\/strong> Peut rester ouvert jusqu\u2019\u00e0 <strong>15 ans<\/strong>. Pass\u00e9 ce d\u00e9lai, les sommes doivent \u00eatre utilis\u00e9es ou transf\u00e9r\u00e9es vers un REER ou un FERR.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_50b5fc-72 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_50b5fc-72\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Administration :<\/mark><\/strong> Les principaux assureurs et institutions financi\u00e8res, dont <strong>RBC, Manuvie, Sun Life et Canada Vie<\/strong>, offrent d\u00e9j\u00e0 des CELIAPP, souvent int\u00e9gr\u00e9s aux r\u00e9gimes d\u2019\u00e9pargne collectifs au travail.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">En bref, que les employ\u00e9s ouvrent leur compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 par l\u2019entremise de votre programme ou de fa\u00e7on individuelle, le fonctionnement reste le m\u00eame: facile \u00e0 cotiser, facile \u00e0 faire fructifier, et con\u00e7u pour rapprocher le moment o\u00f9 ils recevront leurs premi\u00e8res cl\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15081_359aea-0c{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15081_359aea-0c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15081_359aea-0c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15081_359aea-0c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id15081_359aea-0c{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id15081_359aea-0c > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id15081_359aea-0c > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id15081_359aea-0c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15081_359aea-0c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15081_359aea-0c alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15081_abec59-80 > .kt-inside-inner-col,.kadence-column15081_abec59-80 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15081_abec59-80 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_abec59-80 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15081_abec59-80 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15081_abec59-80 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_abec59-80{position:relative;}@media all and (max-width: 1024px){.kadence-column15081_abec59-80 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15081_abec59-80 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_abec59-80\"><div class=\"kt-inside-inner-col\"><style>.kadence-column15081_01b719-7c > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column15081_01b719-7c{--kb-section-setting-offset:90px;}.kadence-column15081_01b719-7c > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column15081_01b719-7c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_01b719-7c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15081_01b719-7c > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15081_01b719-7c{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_01b719-7c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_01b719-7c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15081_01b719-7c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_01b719-7c{text-align:left;}.kadence-column15081_01b719-7c{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15081_01b719-7c{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_01b719-7c{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_01b719-7c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15081_01b719-7c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15081_01b719-7c{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_01b719-7c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_01b719-7c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15081_01b719-7c > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_01b719-7c kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb, .wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb[data-kb-block=\"kb-adv-heading15081_93b0f2-cb\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb[data-kb-block=\"kb-adv-heading15081_93b0f2-cb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb[data-kb-block=\"kb-adv-heading15081_93b0f2-cb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb, .wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb[data-kb-block=\"kb-adv-heading15081_93b0f2-cb\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb, .wp-block-kadence-advancedheading.kt-adv-heading15081_93b0f2-cb[data-kb-block=\"kb-adv-heading15081_93b0f2-cb\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15081_93b0f2-cb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15081_93b0f2-cb\">Transformez l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en avantage r\u00e9el pour votre \u00e9quipe.<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb, .wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb[data-kb-block=\"kb-adv-heading15081_5cd4f5-cb\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb[data-kb-block=\"kb-adv-heading15081_5cd4f5-cb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb[data-kb-block=\"kb-adv-heading15081_5cd4f5-cb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb, .wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb[data-kb-block=\"kb-adv-heading15081_5cd4f5-cb\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb, .wp-block-kadence-advancedheading.kt-adv-heading15081_5cd4f5-cb[data-kb-block=\"kb-adv-heading15081_5cd4f5-cb\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15081_5cd4f5-cb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15081_5cd4f5-cb\">Transformez l\u2019achat d\u2019une premi\u00e8re maison en v\u00e9ritable atout RH. Nous vous aidons \u00e0 mettre en place un programme CELIAPP adapt\u00e9 \u00e0 votre budget et aux besoins de vos employ\u00e9s.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15081_926bda-7b > .kt-inside-inner-col{display:flex;}.kadence-column15081_926bda-7b > .kt-inside-inner-col,.kadence-column15081_926bda-7b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15081_926bda-7b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_926bda-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15081_926bda-7b > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15081_926bda-7b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_926bda-7b{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_926bda-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15081_926bda-7b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_926bda-7b{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15081_926bda-7b{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_926bda-7b{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_926bda-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column15081_926bda-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15081_926bda-7b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_926bda-7b{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_926bda-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15081_926bda-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_926bda-7b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2, .wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2, .wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2, .wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading15081_a33f86-c2[data-kb-block=\"kb-adv-heading15081_a33f86-c2\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading15081_a33f86-c2 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading15081_a33f86-c2\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns15081_9af331-58{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15081_9af331-58 .kt-button{font-weight:normal;font-style:normal;}.kt-btns15081_9af331-58 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15081_9af331-58 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15081_9af331-58 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15081_9af331-58 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns15081_9af331-58 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns15081_9af331-58 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15081_9af331-58 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns15081_9af331-58{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns15081_9af331-58{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns15081_9af331-58\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn15081_73b245-32.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn15081_73b245-32.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn15081_73b245-32 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"tax-treatment\">Traitement fiscal :  <\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les avantages fiscaux du compte pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 expliquent en grande partie son attrait. Voici l\u2019essentiel \u00e0 savoir:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_ec7480-69:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_ec7480-69 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_ec7480-69 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_ec7480-69 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15081_ec7480-69 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_ec7480-69 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_1a3176-d3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_1a3176-d3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Cotisations<\/strong> <strong>:<\/strong> Les cotisations sont d\u00e9ductibles d\u2019imp\u00f4t, ce qui r\u00e9duit le revenu imposable de l\u2019employ\u00e9, exactement comme un REER.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_839c1c-40 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_839c1c-40\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Retraits :<\/strong> Les retraits admissibles destin\u00e9s \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 sont enti\u00e8rement libres d\u2019imp\u00f4t. Pour \u00eatre admissible, le titulaire doit avoir une entente \u00e9crite pour acheter ou construire une maison avant le 1er octobre de l\u2019ann\u00e9e suivant le retrait.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_bebc1b-e3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_bebc1b-e3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Fonds non utilis\u00e9s :<\/strong> Si le compte n\u2019est jamais utilis\u00e9 pour acheter une maison, les fonds peuvent \u00eatre transf\u00e9r\u00e9s dans un REER ou un FERR sans p\u00e9nalit\u00e9 ni perte de droits.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_a2a6fc-1a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_a2a6fc-1a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>D\u00e9clarations fiscales :<\/strong> Les cotisations et retraits doivent figurer dans la d\u00e9claration de revenus, mais les institutions financi\u00e8res \u00e9mettent un feuillet T4FHSA, ce qui simplifie tout.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_898565-cb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_898565-cb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Double avantage :<\/strong> Parce qu\u2019il combine la d\u00e9duction du REER et les retraits libres d\u2019imp\u00f4t du CELI, le CELIAPP offre l\u2019un des m\u00e9canismes fiscaux les plus g\u00e9n\u00e9reux accessibles aux premiers acheteurs.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-does-a-first-home-savings-account-compare-to-other-savings-vehicles\">Comparaison avec d\u2019autres options d\u2019\u00e9pargne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le CELIAPP comble un espace que les autres v\u00e9hicules laissent vide. Ce n\u2019est ni un outil uniquement ax\u00e9 sur la retraite, ni un simple compte d\u2019\u00e9pargne g\u00e9n\u00e9ral. Il a \u00e9t\u00e9 cr\u00e9\u00e9 express\u00e9ment pour les acheteurs d\u2019une premi\u00e8re propri\u00e9t\u00e9, tout en empruntant des caract\u00e9ristiques famili\u00e8res des REER et CELI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si tous ces comptes encouragent l\u2019\u00e9pargne disciplin\u00e9e, leur objectif et leur traitement fiscal diff\u00e8rent. Voici un aper\u00e7u clair:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\" style=\"padding-bottom:var(--wp--preset--spacing--30)\"><table class=\"has-fixed-layout\" style=\"border-width:2px\"><thead><tr><th>Caract\u00e9ristique<\/th><th>CELIAPP<\/th><th>CELI<\/th><th>REER<\/th><\/tr><\/thead><tbody><tr><td>Objectif principal<\/td><td>\u00c9pargne pour une premi\u00e8re propri\u00e9t\u00e9<\/td><td>\u00c9pargne flexible \/ placements<\/td><td>\u00c9pargne-retraite<\/td><\/tr><tr><td>Cotisations<\/td><td>D\u00e9ductibles d\u2019imp\u00f4t<\/td><td>Non d\u00e9ductibles<\/td><td>D\u00e9ductibles d\u2019imp\u00f4t<\/td><\/tr><tr><td>Retraits<\/td><td>Libres d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re maison<\/td><td>Libres d\u2019imp\u00f4t en tout temps<\/td><td>Imposables (sauf via RAP avec remboursement)<\/td><\/tr><tr><td>Cotisation Maximale CELI 2025<\/td><td>8 000 $\/an, max 40 000 $<\/td><td>7 000 $ (2025)<\/td><td>18 % du revenu, jusqu\u2019au maximum de l\u2019ARC<\/td><\/tr><tr><td>Transferts<\/td><td>Vers REER\/FERR si inutilis\u00e9<\/td><td>Aucun<\/td><td>RAP avec remboursement sur 15 ans<\/td><\/tr><tr><td>Id\u00e9al pour<\/td><td>Employ\u00e9s visant une premi\u00e8re maison<\/td><td>\u00c9pargnants flexibles<\/td><td>Planificateurs orient\u00e9s retraite<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement au <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/hypotheques\/regime-accession-a-la-propriete-reer.html\" data-type=\"link\" data-id=\"https:\/\/www.rbcroyalbank.com\/fr\/hypotheques\/regime-accession-a-la-propriete-reer.html\" target=\"_blank\" rel=\"noopener\">R\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 (RAP)<\/a> du REER, o\u00f9 les employ\u00e9s doivent rembourser les retraits, les retraits du CELIAPP n\u2019ont <strong>jamais<\/strong> \u00e0 \u00eatre replac\u00e9s. Aucune pression de remboursement, aucun pi\u00e8ge administratif. Juste une progression directe vers la mise de fonds.<\/p>\n\n\n<style>.kb-image15081_b7bb21-f2 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15081_b7bb21-f2 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/smiley-couple-signing-contract-for-new-house-thanks-to-savings-from-workplace-first-home-savings-account.webp\" alt=\"\" class=\"kb-img wp-image-14978\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/smiley-couple-signing-contract-for-new-house-thanks-to-savings-from-workplace-first-home-savings-account.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/smiley-couple-signing-contract-for-new-house-thanks-to-savings-from-workplace-first-home-savings-account-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/smiley-couple-signing-contract-for-new-house-thanks-to-savings-from-workplace-first-home-savings-account-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"integrating-an-fhsa-into-your-employee-benefits-strategy\">Int\u00e9gration \u00e0 votre strat\u00e9gie d\u2019avantages sociaux<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Votre r\u00e9gime d\u2019avantages comprend peut-\u00eatre d\u00e9j\u00e0 un r\u00e9gime d\u2019\u00e9pargne-retraite collectif, un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices, une assurance sant\u00e9, etc. Vous envisagez maintenant d\u2019ajouter un CELIAPP. Voici comment l\u2019int\u00e9grer de fa\u00e7on fluide et coh\u00e9rente.<\/p>\n\n\n<style>.kb-row-layout-id15081_d4c504-84 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15081_d4c504-84 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15081_d4c504-84 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);}.kb-row-layout-id15081_d4c504-84 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id15081_d4c504-84 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id15081_d4c504-84 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15081_d4c504-84 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id15081_d4c504-84 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id15081_d4c504-84 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15081_d4c504-84 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15081_d4c504-84 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-4-columns kt-row-layout-two-grid kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column15081_5f5b12-0c > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15081_5f5b12-0c > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column15081_5f5b12-0c > .kt-inside-inner-col,.kadence-column15081_5f5b12-0c > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15081_5f5b12-0c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_5f5b12-0c > .kt-inside-inner-col{flex-direction:column;}.kadence-column15081_5f5b12-0c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15081_5f5b12-0c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_5f5b12-0c{position:relative;}@media all and (max-width: 1024px){.kadence-column15081_5f5b12-0c > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15081_5f5b12-0c > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_5f5b12-0c\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape 1 : Collaborer avec des fournisseurs de confiance<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_81479c-0a:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_81479c-0a ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_81479c-0a ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_81479c-0a ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15081_81479c-0a ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_81479c-0a kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_140a08-a7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_140a08-a7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Travaillez avec un conseiller en avantages sociaux et des assureurs reconnus comme Sun Life, Manuvie, Canada Vie ou RBC Assurances. Leur r\u00f4le est de vous aider \u00e0:<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_ca662a-c8:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_ca662a-c8 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-left:var(--global-kb-spacing-xxs, 0.5rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_ca662a-c8 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_ca662a-c8 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15081_ca662a-c8 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_ca662a-c8 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_6954c5-77 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_6954c5-77\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Comparez les produits et les mod\u00e8les d\u2019administration.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_6b214c-fb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_6b214c-fb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Int\u00e9grez la compte de fa\u00e7on fluide avec les syst\u00e8mes existants de paie ou d\u2019\u00e9pargne.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_3847a6-fa .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_3847a6-fa\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Assurez-vous de respecter les r\u00e8gles et les exigences de l\u2019ARC.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15081_dac220-f6 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15081_dac220-f6 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column15081_dac220-f6 > .kt-inside-inner-col,.kadence-column15081_dac220-f6 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15081_dac220-f6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_dac220-f6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15081_dac220-f6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15081_dac220-f6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_dac220-f6{position:relative;}@media all and (max-width: 1024px){.kadence-column15081_dac220-f6 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15081_dac220-f6 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_dac220-f6\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape 2 : Concevoir le programme<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_62b02e-c8:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_62b02e-c8 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:var(--global-kb-spacing-xxs, 0.5rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_62b02e-c8 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_62b02e-c8 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15081_62b02e-c8 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_62b02e-c8 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_55169e-84 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_55169e-84\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">D\u00e9finissez les param\u00e8tres cl\u00e9s de votre offre:<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<ol style=\"padding-right:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30);line-height:1.9\" class=\"wp-block-list\">\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-right:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20)\">Choisir le type de cotisations: volontaires, jumel\u00e9es ou financ\u00e9es par l\u2019employeur.<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-right:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20)\">\u00c9tablir les crit\u00e8res d\u2019admissibilit\u00e9 et les r\u00e8gles de participation.<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-right:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20)\">Mettre en place les d\u00e9ductions automatiques \u00e0 la paie.<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-right:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20)\">Harmoniser le CELIAPP avec vos autres initiatives de mieux-\u00eatre financier.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n<style>.kadence-column15081_0e0c45-69 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15081_0e0c45-69 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column15081_0e0c45-69 > .kt-inside-inner-col,.kadence-column15081_0e0c45-69 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15081_0e0c45-69 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_0e0c45-69 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15081_0e0c45-69 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15081_0e0c45-69 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_0e0c45-69{position:relative;}@media all and (max-width: 1024px){.kadence-column15081_0e0c45-69 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15081_0e0c45-69 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_0e0c45-69\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape 3 : Communiquer et encourager la participation<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame l\u2019avantage le mieux con\u00e7u ne sert \u00e0 rien s\u2019il passe inaper\u00e7u. Pour aider les employ\u00e9s \u00e0 comprendre et utiliser leur <strong>Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9<\/strong>:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_0801bb-42:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_0801bb-42 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_0801bb-42 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_0801bb-42 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15081_0801bb-42 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_0801bb-42 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_7e091f-8b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_7e091f-8b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Incluez le CELIAPP dans les s\u00e9ances d\u2019accueil et les formations financi\u00e8res.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_6b15b6-4c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_6b15b6-4c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Montrez des exemples concrets d\u2019\u00e9conomies fiscales et de croissance.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_328027-40 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_328027-40\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Automatisez les cotisations par la paie pour rendre l\u2019\u00e9pargne simple et r\u00e9guli\u00e8re.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15081_4359f3-31 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15081_4359f3-31 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column15081_4359f3-31 > .kt-inside-inner-col,.kadence-column15081_4359f3-31 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15081_4359f3-31 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_4359f3-31 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15081_4359f3-31 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15081_4359f3-31 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_4359f3-31{position:relative;}@media all and (max-width: 1024px){.kadence-column15081_4359f3-31 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15081_4359f3-31 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_4359f3-31\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--20)\"><strong>\u00c9tape 4 : Surveiller et c\u00e9l\u00e9brer les r\u00e9sultats<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-left:var(--wp--preset--spacing--20)\">Une fois le programme lanc\u00e9, surveillez son impact. Vous pouvez:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_eee757-49:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_eee757-49 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_eee757-49 ul.kt-svg-icon-list{grid-row-gap:7px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_eee757-49 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15081_eee757-49 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_eee757-49 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_97eab2-b5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_97eab2-b5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Analyser les taux de participation et les niveaux de cotisation.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_12218d-7e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_12218d-7e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Recueillir les commentaires pour am\u00e9liorer communication et conception.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_ba0b19-a8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_ba0b19-a8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Soulignez les r\u00e9ussites, comme l\u2019achat d\u2019une premi\u00e8re maison: ce sont ces histoires r\u00e9elles qui donnent vie \u00e0 vos avantages sociaux.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"partnering-with-experts-to-integrate-first-home-savings-accounts\">Collaborer avec des experts pour int\u00e9grer le CELIAPP<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Entre les r\u00e8gles de l\u2019ARC, les limites de cotisation et l\u2019int\u00e9gration \u00e0 vos r\u00e9gimes actuels, il est normal que certains employeurs ne sachent pas par o\u00f9 commencer. C\u2019est exactement le r\u00f4le d\u2019un accompagnement expert.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chez <strong>TWINN<\/strong>, nous aidons les employeurs \u00e0 concevoir, implanter et g\u00e9rer des strat\u00e9gies d\u2019\u00e9pargne qui soutiennent \u00e0 la fois les objectifs \u00e0 court terme et la s\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme des employ\u00e9s. Que vous ajoutiez un CELIAPP ou que vous souhaitiez l\u2019arrimer \u00e0 un REER collectif ou \u00e0 un RPDB, notre \u00e9quipe rend le tout clair, conforme et efficace.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment nous vous accompagnons:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_d2fd5e-0d:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_d2fd5e-0d ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_d2fd5e-0d ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_d2fd5e-0d .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15081_d2fd5e-0d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15081_d2fd5e-0d ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15081_d2fd5e-0d kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15081_ac8112-71 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_ac8112-71\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conception du programme<\/strong><br>Cr\u00e9er une offre align\u00e9e avec votre structure d\u2019\u00e9pargne collective et les besoins r\u00e9els de vos employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_1d37b2-03 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_1d37b2-03\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Strat\u00e9gie de cotisation<\/strong><br>D\u00e9terminer comment structurer les contributions employeur\/employ\u00e9 tout en gardant les co\u00fbts pr\u00e9visibles et en maximisant l\u2019engagement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_33155e-2c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_33155e-2c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Gestion de la conformit\u00e9<\/strong><br>S\u2019assurer du respect des exigences de l\u2019ARC, des limites de cotisation CELI en 2025 et des obligations de d\u00e9claration.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_c0d060-a7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_c0d060-a7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u00c9ducation financi\u00e8re<\/strong><br>Offrir aux employ\u00e9s des outils concrets pour comprendre les avantages du CELIAPP: \u00e9conomies d\u2019imp\u00f4t, capacit\u00e9 d\u2019achat, pr\u00e9paration \u00e0 la propri\u00e9t\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15081_e6097f-91 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15081_e6097f-91\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Soutien continu<\/strong><br>Suivre la participation, analyser les r\u00e9sultats et ajuster la strat\u00e9gie selon l\u2019\u00e9volution des besoins et des r\u00e9glementations.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Avec TWINN, vous obtenez plus qu\u2019un r\u00e9gime de retraite, vous obtenez un partenaire qui transforme la conformit\u00e9 en un avantage concurrentiel et renforce la loyaut\u00e9 des employ\u00e9s. En savoir plus sur nos <a href=\"https:\/\/twinn.ca\/fr\/services\/regime-retraite-collectif\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/services\/group-retirement-plan-pension\/\">services de consultation en r\u00e9gimes de retraite et d\u2019\u00e9pargne collectifs<\/a>. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs\">Vous avez des questions? Nous avons les r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Encore quelques doutes? <\/em>Voici des r\u00e9ponses rapides aux pr\u00e9occupations les plus fr\u00e9quentes des employeurs et des employ\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-id15081_1668e0-22 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15081_1668e0-22 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15081_1668e0-22 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15081_1668e0-22 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15081_1668e0-22 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15081_1668e0-22 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15081_1668e0-22 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column15081_c0aa0a-81 > .kt-inside-inner-col,.kadence-column15081_c0aa0a-81 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15081_c0aa0a-81 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_c0aa0a-81 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15081_c0aa0a-81 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15081_c0aa0a-81 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_c0aa0a-81{position:relative;}@media all and (max-width: 1024px){.kadence-column15081_c0aa0a-81 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15081_c0aa0a-81 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_c0aa0a-81 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-f9553f8a wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/celiapp\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>&lt;strong>Les employeurs peuvent-ils cotiser au CELIAPP d\u2019un employ\u00e9?&lt;\/strong>&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Ils peuvent verser des cotisations directes ou offrir des cotisations jumel\u00e9es. Ces montants sont d\u00e9ductibles pour l\u2019employeur et acc\u00e9l\u00e8rent l\u2019\u00e9pargne de l\u2019employ\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Que se passe-t-il si un employ\u00e9 n\u2019ach\u00e8te jamais de maison?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Si le CELIAPP n\u2019est pas utilis\u00e9 dans un d\u00e9lai de 15 ans ou avant que l\u2019employ\u00e9 atteigne 71 ans, le solde peut \u00eatre transf\u00e9r\u00e9 dans un REER ou un FERR sans imp\u00f4t ni perte de droits.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Un employ\u00e9 peut-il avoir un CELIAPP, un REER et un CELI?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Le CELIAPP compl\u00e8te ces comptes. Beaucoup d\u2019employ\u00e9s utilisent les trois pour \u00e9quilibrer l\u2019\u00e9pargne \u00e0 court et \u00e0 long terme.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Y a-t-il des p\u00e9nalit\u00e9s pour un retrait non admissible?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les retraits non li\u00e9s \u00e0 un achat admissible sont impos\u00e9s comme un revenu ordinaire, ce qui encourage les employ\u00e9s \u00e0 respecter l\u2019objectif du compte.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Le CELIAPP peut-il \u00eatre ouvert dans n\u2019importe quelle institution financi\u00e8re?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La plupart des grandes institutions, dont RBC, Manuvie, Sun Life et Canada Vie, offrent d\u00e9j\u00e0 des CELIAPP. Les employeurs peuvent choisir un fournisseur ou laisser les employ\u00e9s g\u00e9rer leur propre compte.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>&lt;strong>Les cotisations au CELIAPP sont-elles d\u00e9ductibles pour l\u2019employ\u00e9?&lt;\/strong>&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Elles r\u00e9duisent le revenu imposable, comme un REER. Et les retraits admissibles sont enti\u00e8rement libres d\u2019imp\u00f4t.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Le CELIAPP est-il transf\u00e9rable si l\u2019employ\u00e9 change d\u2019emploi?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Le compte peut \u00eatre transf\u00e9r\u00e9 entre institutions admissibles.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Les conjoints ou partenaires peuvent-ils chacun avoir un CELIAPP?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Chaque personne admissible peut avoir son propre compte et cotiser jusqu\u2019aux limites permises. Un couple peut donc doubler ses cotisations d\u00e9ductibles et acc\u00e9l\u00e9rer la constitution d\u2019une mise de fonds commune.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-ae45daae\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong><strong>Les employeurs peuvent-ils cotiser au CELIAPP d\u2019un employ\u00e9?<\/strong><\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Ils peuvent verser des cotisations directes ou offrir des cotisations jumel\u00e9es. Ces montants sont d\u00e9ductibles pour l\u2019employeur et acc\u00e9l\u00e8rent l\u2019\u00e9pargne de l\u2019employ\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-ce74ec99\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Que se passe-t-il si un employ\u00e9 n\u2019ach\u00e8te jamais de maison?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Si le CELIAPP n\u2019est pas utilis\u00e9 dans un d\u00e9lai de 15 ans ou avant que l\u2019employ\u00e9 atteigne 71 ans, le solde peut \u00eatre transf\u00e9r\u00e9 dans un REER ou un FERR sans imp\u00f4t ni perte de droits.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-5ac0152a\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Un employ\u00e9 peut-il avoir un CELIAPP, un REER et un CELI?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Le CELIAPP compl\u00e8te ces comptes. Beaucoup d\u2019employ\u00e9s utilisent les trois pour \u00e9quilibrer l\u2019\u00e9pargne \u00e0 court et \u00e0 long terme.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-02bb123d\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Y a-t-il des p\u00e9nalit\u00e9s pour un retrait non admissible?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les retraits non li\u00e9s \u00e0 un achat admissible sont impos\u00e9s comme un revenu ordinaire, ce qui encourage les employ\u00e9s \u00e0 respecter l\u2019objectif du compte.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-df8d0cbb\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Le CELIAPP peut-il \u00eatre ouvert dans n\u2019importe quelle institution financi\u00e8re?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>La plupart des grandes institutions, dont RBC, Manuvie, Sun Life et Canada Vie, offrent d\u00e9j\u00e0 des CELIAPP. Les employeurs peuvent choisir un fournisseur ou laisser les employ\u00e9s g\u00e9rer leur propre compte.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-01557ac5\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong><strong>Les cotisations au CELIAPP sont-elles d\u00e9ductibles pour l\u2019employ\u00e9?<\/strong><\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Elles r\u00e9duisent le revenu imposable, comme un REER. Et les retraits admissibles sont enti\u00e8rement libres d\u2019imp\u00f4t.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-eccff484\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Le CELIAPP est-il transf\u00e9rable si l\u2019employ\u00e9 change d\u2019emploi?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Le compte peut \u00eatre transf\u00e9r\u00e9 entre institutions admissibles.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-7b2005b8\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Les conjoints ou partenaires peuvent-ils chacun avoir un CELIAPP?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Chaque personne admissible peut avoir son propre compte et cotiser jusqu\u2019aux limites permises. Un couple peut donc doubler ses cotisations d\u00e9ductibles et acc\u00e9l\u00e9rer la constitution d\u2019une mise de fonds commune.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15081_82cb70-9f{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15081_82cb70-9f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15081_82cb70-9f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15081_82cb70-9f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 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767px){.kb-row-layout-id15081_82cb70-9f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15081_82cb70-9f alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15081_d6d4ae-d7 > .kt-inside-inner-col,.kadence-column15081_d6d4ae-d7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15081_d6d4ae-d7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_d6d4ae-d7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15081_d6d4ae-d7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15081_d6d4ae-d7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_d6d4ae-d7{position:relative;}@media all and (max-width: 1024px){.kadence-column15081_d6d4ae-d7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15081_d6d4ae-d7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_d6d4ae-d7\"><div class=\"kt-inside-inner-col\"><style>.kadence-column15081_3818e6-e4 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column15081_3818e6-e4{--kb-section-setting-offset:90px;}.kadence-column15081_3818e6-e4 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column15081_3818e6-e4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_3818e6-e4 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15081_3818e6-e4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15081_3818e6-e4{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_3818e6-e4{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_3818e6-e4 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15081_3818e6-e4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15081_3818e6-e4{text-align:left;}.kadence-column15081_3818e6-e4{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15081_3818e6-e4{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_3818e6-e4{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_3818e6-e4 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15081_3818e6-e4 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15081_3818e6-e4{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_3818e6-e4{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15081_3818e6-e4 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15081_3818e6-e4 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15081_3818e6-e4 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf, .wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf[data-kb-block=\"kb-adv-heading15081_0314f9-bf\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf[data-kb-block=\"kb-adv-heading15081_0314f9-bf\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf[data-kb-block=\"kb-adv-heading15081_0314f9-bf\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf, .wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf[data-kb-block=\"kb-adv-heading15081_0314f9-bf\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf, .wp-block-kadence-advancedheading.kt-adv-heading15081_0314f9-bf[data-kb-block=\"kb-adv-heading15081_0314f9-bf\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15081_0314f9-bf wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15081_0314f9-bf\">Transformez l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en avantage r\u00e9el pour votre \u00e9quipe.<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da, .wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da[data-kb-block=\"kb-adv-heading15081_300f9c-da\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da[data-kb-block=\"kb-adv-heading15081_300f9c-da\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da[data-kb-block=\"kb-adv-heading15081_300f9c-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da, .wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da[data-kb-block=\"kb-adv-heading15081_300f9c-da\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da, .wp-block-kadence-advancedheading.kt-adv-heading15081_300f9c-da[data-kb-block=\"kb-adv-heading15081_300f9c-da\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15081_300f9c-da wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15081_300f9c-da\">Transformez l\u2019achat d\u2019une premi\u00e8re maison en v\u00e9ritable atout RH. Nous vous aidons \u00e0 mettre en place un programme CELIAPP adapt\u00e9 \u00e0 votre budget et aux besoins de vos employ\u00e9s.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15081_7739a5-b1 > .kt-inside-inner-col{display:flex;}.kadence-column15081_7739a5-b1 > .kt-inside-inner-col,.kadence-column15081_7739a5-b1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15081_7739a5-b1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15081_7739a5-b1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15081_7739a5-b1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15081_7739a5-b1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > 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110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns15081_5a18f3-6e{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15081_5a18f3-6e .kt-button{font-weight:normal;font-style:normal;}.kt-btns15081_5a18f3-6e .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15081_5a18f3-6e .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15081_5a18f3-6e .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15081_5a18f3-6e .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns15081_5a18f3-6e .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns15081_5a18f3-6e .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15081_5a18f3-6e .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns15081_5a18f3-6e{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns15081_5a18f3-6e{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns15081_5a18f3-6e\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn15081_044a86-be.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn15081_044a86-be.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn15081_044a86-be kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">En Bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour de nombreux employ\u00e9s, une premi\u00e8re maison repr\u00e9sente bien plus qu\u2019un investissement. C\u2019est un symbole de stabilit\u00e9, d\u2019autonomie et d\u2019accomplissement personnel. Lorsque votre organisation met en place un CELIAPP, elle montre qu\u2019elle comprend r\u00e9ellement les objectifs de vie de son personnel. Et en l\u2019associant \u00e0 des r\u00e9gimes comme un REER collectif, vous cr\u00e9ez un ensemble d\u2019avantages sociaux capable d\u2019accompagner les employ\u00e9s \u00e0 chaque \u00e9tape de leur vie, pas seulement jusqu\u2019\u00e0 la retraite.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acheter une premi\u00e8re maison devient presque irr\u00e9aliste pour bien des employ\u00e9s, surtout les plus jeunes qui jonglent avec le loyer,&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14975,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[114],"tags":[],"post_folder":[],"class_list":["post-15081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regimes-collectifs-depargne-retraite"],"acf":[],"taxonomy_info":{"category":[{"value":114,"label":"R\u00e9gimes collectifs d\u2019\u00e9pargne-retraite"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/realtor-handing-smiley-couple-keys-their-new-home-after-years-of-contributing-to-first-home-savings-account-fhsa-1024x683.webp",1024,683,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":114,"name":"R\u00e9gimes collectifs d\u2019\u00e9pargne-retraite","slug":"regimes-collectifs-depargne-retraite","term_group":0,"term_taxonomy_id":114,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":114,"category_count":4,"category_description":"","cat_name":"R\u00e9gimes collectifs d\u2019\u00e9pargne-retraite","category_nicename":"regimes-collectifs-depargne-retraite","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/15081","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=15081"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/15081\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/14975"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=15081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=15081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=15081"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=15081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}