MoneyVox offers you a summary of the articles that should not be missed in 2023. Here is our top 5 in complete subjectivity.
Livret A, LEP ceiling, taxes… These 10 limits have been blocked for 10, 20 or even 30 years!
The financial life of the French is full of advantageous schemes which are limited by legal ceilings. Livret A, life insurance, tax loopholes, deposit guarantees, inheritances… so many sectors where limits were set, sometimes more than 10 years ago, to avoid too high a cost for the State.
But with inflation of 5.2% in 2022, and expected 5.4% for the year 2023, the value in terms of purchasing power of these advantages is melting like snow in the sun.
Special report: how inflation eats away the benefits of your savings
Consumer credit: the lucrative insurance business that costs you dearly
It’s an opaque business. In 2022, nearly 22% of French households repaid a consumer loan. The latter have paid nearly 3 billion euros in premiums to insure against the risk of non-reimbursement following a life accident: death, disability, long-term illness, loss of job. A lucrative business for credit organizations and insurers, who pay barely 30% of these premiums to affected policyholders. A figure which raises questions about the distribution conditions of these products and their interest.
How banks put pressure on you to take out consumer credit insurance
The crazy cost of overdraft fees charged by your bank
Unlike authorized overdraft, exceeding your overdraft, even one-off, exposes you to a cascade of fees, the amount of which can quickly reach hundreds of euros. A situation which unfortunately is increasingly common for certain households whose budget is particularly tight due to inflation. Here are the rules and prices implemented by the banks.
Special report: inflation and overdraft, an explosive cocktail
Is your money safe in an online bank?
Banks without branches, by telephone, web and mobile, are now part of the decor. However, they have not yet gained the trust of users. If you have an account with BoursoBank, Revolut or even Fortuneo, should you be wary?
Banking crisis, fraud, scams: who protects your money?
Real estate credit: despite soaring rates, French borrowers are lucky
The real estate loan market is in a very complicated phase with particularly high rates and borrowing rules considered too rigid by some. While many European borrowers are experiencing major difficulties, French households are mostly spared. Explanations.
Real estate rates: did you get a good deal with your credit?