With the 10,000 euro increase in the LEP ceiling applicable from October 1, each eligible tax household will soon be able to invest 20,000 euros at 6% net of tax. And, therefore, earn 100 euros in interest per month.
A blow of bamboo on one side, a push on the other. At the same time as he chose, on July 13, to freeze the Livret rate at 3%more than one point below what he should have reported from August 1, Bruno Le Maire, the Minister of the Economy, brought two good news for LEP holders: maintaining its rate of 6% (compared to 5.6% if the calculation formula is applied) and raising your payment ceilingfrom 7700 euros currently 10000 euros, from Sunday October 1st.
100 euros per month per household
The best-paid savings account on the market will therefore become even more profitable. The site Rights-Finance.net did the calculation: 10,000 euros at 6% net, this simply represents 50 euros of interest per month. Better, within the same tax household, each of the two members of the married or civil partnership couple can hold a LEP. Clearly, each eligible household will be able to place, from October, up to 20,000 euros 6% net of taxes. Either 100 euros interest per month, net of taxes.
Obviously, to take advantage of the windfall, you will have to be eligible. It must be remembered: the Popular Savings Account (LEP) is not a universal product: not everyone has access to it, unlike the Livret A. To open or hold one currently, you must display a reference tax income (RFR) less than or equal to 21,393 euros for a single person or 32,821 euros for a married couple or civil partnership. An income condition that nearly 19 million French people meet, while just under 10 million LEPs are currently open. Check, you may be eligible without knowing it!
LEP: good news, it will be even easier to open this super savings account in 2024
A drop expected from next February
To earn these 100 euros per month, you will also have to not delay too long and fill your account as much as possible as soon as possible. Because the golden parenthesis could be short-lived: 4 months at most. For what? Because, unlike the Livret A, the LEP rate has not been frozen until 2025. It will therefore continue to evolve every 6 months, with a next chance from February 1, 2024. And there is no chance that it will be on the rise. The LEP, in fact, is designed to follow the evolution of inflation. However, this should continue to fall: from 5.6% on average in the first half of 2023, it is expected to be below 5% in the second.