The LEP rate is under threat, a property tax refund is coming for many owners… MoneyVox summarizes the 5 money news of the week for you.
The most read article of the week: the LEP rate should fall
You have probably heard of the Popular Savings Account (LEP). This is a regulated savings product, reserved for people with modest incomes. Its rate of remuneration, set by the state, as for the Livret A or the LDDS, is unbeatable. It is currently 6%, six times more than in 2020, and twice as high as the 3% of Livret A.
According to the Banque de France, nearly 10 million French people now hold a LEP, even if 18.6 million people are eligible.
Bad news however, the LEP rate risks falling during its next revision. In theory, it should pass 4.4%. This is 1.6 points less than today. The Banque de France could, however, limit the decline, by maintaining it at 5%, for example. Explanations.
Analysis of the week: is rental investment still of interest?
Faced with the lasting rise in credit rates and housing prices which are not really falling, is it still interesting to invest in rental real estate? According to a recent study, 69% of French people are giving up making a rental investment in the face of the uncertain economic situation. However, in the event of a good deal, experts still advise you to take the time to think about it. Here’s why.
The question of the week: the heat pump, the solution to save money on your energy bill?
According to the specialists contacted by MoneyVox, installing a heat pump not only improves the rating of your property in the DPE, but also allows you to make immediate savings on your energy bill. Is this still the case? Not so sure.
The political article of the week: 5 tax news that will put the government under pressure
A frozen income tax scale for the richest… and more favorable for the middle class, a 30% flat tax on property income, an Ehpad reduction transformed into a tax credit… Here is a series of amendments adopted this week by the deputies… against the opinion of the presidential majority (and therefore very probably against the opinion of the government). Here is what could perhaps change for you in 2024 if these 5 texts were included in the final 2024 budget.
The good news of the week: a land tax refund
The property tax increased by 7.1% in the vast majority of municipalities this year, and even more in certain cities. An increase that is sometimes very difficult to digest for owners. But be careful, it is possible that you have paid too much property tax. Indeed, the calculation of this particularly complex tax can generate numerous errors.
According to a parliamentary report, nearly 2 billion euros will be reimbursed to individuals by the tax authorities for overpayments. Will you be able to take advantage of it?