{"id":752,"date":"2021-04-27T00:00:00","date_gmt":"2021-04-26T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2012\/08\/27\/organiser-sa-succession\/"},"modified":"2021-12-15T16:23:31","modified_gmt":"2021-12-15T14:23:31","slug":"organiser-sa-succession","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/organiser-sa-succession\/","title":{"rendered":"Organiser sa succession"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Si votre patrimoine est assez important, il vaut mieux essayer d'organiser votre succession. Il existe plusieurs actes juridiques qui permettent de le faire. <\/strong>Contactez un notaire pour \u00eatre conseill\u00e9 au mieux.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le mandat \u00e0 effet posthume<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ce mandat vous permet, de votre vivant, de d\u00e9signer un mandataire. Il aura pour mission :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>durant vos derniers jours, d'assurer votre protection personnelle,<\/li><li>\u00e0 votre d\u00e9c\u00e8s, de g\u00e9rer tout ou partie de votre patrimoine, notamment en cas d'h\u00e9ritiers mineurs ou handicap\u00e9s.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le mandat n'a pas pour effet de vous faire perdre vos droits et votre capacit\u00e9 juridique : il s'agit en fait d'une procuration \u00e9largie qui permet \u00e0 votre mandataire d'agir \u00e0 votre place et en votre nom dans votre int\u00e9r\u00eat. Elle \u00e9vite aussi de mettre en place une mesure judiciaire de tutelle ou de curatelle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Le testament<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le testament vous permet d'indiquer, dans les limites autoris\u00e9es par la loi, qui recevra vos biens \u00e0 votre d\u00e9c\u00e8s. Pour le r\u00e9diger, il est recommand\u00e9 (mais pas obligatoire) de prendre conseil aupr\u00e8s de son notaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le testament peut \u00eatre :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>olographe<\/strong> : simple et moins on\u00e9reux, il doit juste \u00eatre \u00e9crit, dat\u00e9 et sign\u00e9 de votre main. Ensuite, vous pouvez le confier \u00e0 un notaire qui l'inscrira au Fichier central des dispositions de derni\u00e8res volont\u00e9s,<\/li><li><strong>authentique<\/strong> : plus cher, il est r\u00e9dig\u00e9 par le notaire. Il convient pour les successions importantes ou conflictuelles.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez toujours r\u00e9voquer ou modifier votre testament jusqu'\u00e0 votre d\u00e9c\u00e8s. Attention cependant, les rajouts successifs peuvent entra\u00eener des confusions ou des contradictions. Il est toujours pr\u00e9f\u00e9rable de r\u00e9diger un nouveau testament \"qui annule et remplace toute disposition ant\u00e9rieure\".<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous ne pouvez l\u00e9guer seul que vos biens propres (non les biens communs, si vous \u00eates mari\u00e9). Si vous n'avez pas d'enfants, vous pouvez disposer librement de l'ensemble de vos biens. Dans le cas contraire, une partie des biens leur revient obligatoirement, c'est ce qu'on appelle la \"r\u00e9serve h\u00e9r\u00e9ditaire\". Vous ne pouvez disposer librement que du reste, appel\u00e9 \" quotit\u00e9 disponible \". Chacun des \u00e9poux peut disposer de sa \"quotit\u00e9 disponible\", par testament, en faveur de l'autre, pour tout ou partie de ses biens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006070721&amp;dateTexte=20120827\">Legifrance - Le mandat \u00e0 effet posthume aux art 812et 812-1-4 c. civ.<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006070721&amp;dateTexte=20120827\">Legifrance - Le testament aux articles 967 \u00e0 1047 c. civ.<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--white\" 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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/informer-du-deces-les-etablissements-teneurs-de-compte-ou-de-placements\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/informer-du-deces-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/informer-du-deces-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/informer-du-deces-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/informer-du-deces-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le d\u00e9c\u00e8s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Informer du d\u00e9c\u00e8s les \u00e9tablissements, teneurs de compte ou de placements<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:463,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/les-consequences-du-deces-sur-lepargne-et-les-placements\/&quot;,&quot;title&quot;:&quot;D\u00e9c\u00e8s : cons\u00e9quences 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/ces-csq-epargne-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/ces-csq-epargne-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le d\u00e9c\u00e8s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">D\u00e9c\u00e8s : cons\u00e9quences sur l&#039;\u00e9pargne et les placements<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div 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                     <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les d\u00e9marches apr\u00e8s le d\u00e9c\u00e8s d&#039;un proche<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Face au d\u00e9c\u00e8s d&#039;un proche, savoir par o\u00f9 commencer les d\u00e9marches administratives peut \u00eatre un d\u00e9fi suppl\u00e9mentaire. Nous avons con\u00e7u ce guide comme un soutien concret dans (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Si votre patrimoine est assez important, il vaut mieux essayer d'organiser votre succession. Il existe plusieurs actes juridiques qui permettent de le faire. Contactez un notaire pour \u00eatre conseill\u00e9 au mieux. Le mandat \u00e0 effet posthume Ce mandat vous permet, de votre vivant, de d\u00e9signer un mandataire. Il aura pour mission : durant vos derniers [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6430,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":4,"views":3616,"viewed_at":"1778477369","newsletter":"0","_yoast_wpseo_primary_category":160,"footnotes":""},"categories":[278,160,35,270],"tags":[],"class_list":["post-752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jai-des-difficultes","category-le-deces","category-les-accidents-de-la-vie","category-mes-moments-de-vie"],"yoast_head":"<title>Organiser sa succession - Le d\u00e9c\u00e8s - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Si votre patrimoine est assez important, il vaut mieux essayer d&#039;organiser votre succession. 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