New taxation for the complementary Agirc-Arrco, modified maximum borrowing rate, balance of meal vouchers to consult, end of the request for the fuel bonus of 100 euros… Here is what changes for your portfolio from March 1st.
Taxes: Agirc-Arrco retirement update
From March 1, the complementary Agirc-Arrco changes for certain withdrawals. These are 13 million private withdrawals that are affected if their income has increased (or decreased) so as to make them cross a reference tax income threshold (RFR). Indeed, one month after the Cnav (retirement insurance), Agirc-Arrco will update its CSG, CRDS and CASA rates.
| Tax shares | CSG 3.8% + CRDS | CSG 6.6% + CRDS +CASA | CSG 8.3% + CRDS +CASA |
|---|---|---|---|
| 1 share (single person) | 11614 | 15183 | 23564 |
| 2 slices (couple) | 17816 | 23291 | 36144 |
| Additional half share (dependent) | + 3101 | + 4054 | + 6290 |
RFR to take into account: tax notice 2022 on income 2021.
CRDS 0.50% in all cases, CASA 0.30% in all cases.
Thresholds valid in mainland France. For the detailed table, see the ministerial letter of December 12, 2022.
If your RFR is below the thresholds shown in the left column, you are exempt from CSG and all social security contributions.
Real estate loan: a new wear rate, above 4%
According to a notice of February 25, 2023 published in the Official Journal, the usury rate, the maximum all-inclusive rate above which a bank cannot lend, will reach the 4% mark on March 1, for loans from a lasts 20 years or more, compared to 3.79% in February. Loans ranging from 10 to 20 years cannot exceed 3.87%, and loans with a duration of less than 10 years are blocked at 3.67%.
Mortgage loan: will the release of the wear rate cause credit rates to explode?
Additional credit: the interest rate of the Action Logement loan increases to 1.5%
Until now fixed at 0.5%, the rate of the Homeownership loan offered by Action Logement, a mortgage loan granted to people with modest incomes, will spend 1.5%. This loan helps some borrowers finance their real estate project for a maximum amount of 40,000 euros. To take advantage of this, the borrower must be an employee of a non-agricultural private sector company with 10 or more employees, and buy a home in mainland France or in the DROMs. In addition, the dwelling, if acquired new, must meet certain energy performance conditions.
Real estate loan: tobacco, sport… This information that the insurer can still claim from you
Restaurant ticket: station on sale
If you have any 2022 lunch tickets left, beware! Until the end of February, issuers use this credit as a priority. Then, it all depends on the policy of your meal voucher issuer: automatic balance transfer, manual balance transfer, etc. In this case, you will be asked to validate the transfer by email, on the website or on your supplier’s mobile application. Once this operation is completed, your remaining funds from 2022 will be usable until the end of February 2024.
As for paper checks, they can be exchanged free of charge for an equal number of tickets valid for the subsequent period if you return them to your employer before March 15, 2023. So don’t forget to take stock before the end of the month.
Restaurant voucher: what can you really pay with? (and 10 more questions)
Better supervised telephone canvassing
from March, any telephone canvassing will be prohibited Monday to Friday before 8 a.m., between 1 p.m. and 2 p.m. and after 8 p.m. as well as weekends and public holidays. The only exception to this new rule: if the professional has obtained the express and prior consent of the consumer.
Moreover, for fight against scams and aggressive commercial practicesthe prison sentences will be reinforced: 3 years of prison sentence in the event of the commission of a misleading commercial practice or an aggressive commercial practice, since this practice is followed by the conclusion of a contract and 7 years when these practices are committed in an organized gang, announcing the government on the Prime Minister’s website.
End of the bonus to replace an old boiler
The MaPrimeRnov’ packages had been increased by 1,000 euros to replace an oil or gas boiler with a renewable energy system: this bonus will end on March 31, 2023.
Since January 1, 2023, owners can no longer benefit from aid for the installation of a gas boiler, even if the latter is very energy efficient. And from next April 1, households with higher resources will no longer be able, in mainland France, to benefit from packages relating to thermal insulation.
MaPrimeRnov’, energy check… All you need to know about 2023 aid for energy renovation
Professional equality: companies in the report
By March 1, 2023, all companies with 50 or more employees must have calculated and published their Professional Equality Index on their website. Companies with more than 1,000 employees will also have to calculate and publish any differences in representation between women and men among their senior executives and members of their governing bodies, announced the Minister of Labour.
electricity, gas: reduce your bill with our online comparator
Fuel bonus: you can apply for it until March 31
Set up to compensate for the end of the rebate directly to the pump at the end of 2022, fuel allowance of 100 euros can be claimed via an application form until March 31. You will then have to enter your tax number and your license plate and then fill in a declaration of honor indicating that you need your car to go to work. This aid will apply to any type of vehicle, including two-wheelers, provided you have an informed plate, specifies the government.
As a reminder, your tax number can be found on your pre-completed tax returnat the top left of the first page, with the online access number, but also on your tax notices (income tax, housing tax, property tax) at the top left, under Your references.
This aid is paid in one go directly into the bank account of those who have made the request within two weeks. Note that a couple will be able to receive twice the aid of 100 euros, or 200 euros, if the two people composing it meet the criteria. Currently just over 5 million people have applied out of the 10 million eligible individuals.
Fuel bonus of 100 euros: these French people wrongly excluded from exceptional tax aid
Winter break, 2022 energy check… It’s over!
March 31 also marks the end of the winter break during which it is forbidden to evict a tenant but also the period during which electricity and gas are maintained despite unpaid bills. Attention, even during this period, a reduction in power can be decided, except for the beneficiaries of the energy check.
You also have until the end of March to use your energy check issued in the spring of 2022.
Deadline to claim your fuel oil cheque: it can be requested until March 31, 2023. You have an additional month for the wood cheque.
As for the exceptional energy check of 100 or 200 euros subject to means testing, it was sent directly to 12 million households until the end of January. This can be used until March 31, 2024.
Rising electricity prices: what happens if I don’t pay my bill?