The first day of the month is, as usual, marked by a series of new developments affecting household budgets.
Housing assistance is increased by 3.26%
This 1er October 2024 sees the annual revaluation of personal housing assistance – personalized housing assistance (APL), family housing allowance (ALF) and social housing allowance (ALS). The rate of increase is set according to the last known evolution of the rent reference index: it is 3.26% this year, compared to 3.50% in 2023.
RSA and activity bonus: procedures slightly modified in five departments
The Alpes-Maritimes, Aube, Hérault, Pyrénées-Atlantiques and Vendée: these departments will experiment, until 1er March 2025, the pre-filling of quarterly resource declarations, for beneficiaries of the activity bonus and active solidarity income (RSA).
These “will no longer need to fill in the line corresponding to their salary and/or the line corresponding to their replacement income themselves (unemployment benefit, daily social security benefits, disability or retirement pension, etc.). These lines will be pre-filled by the CAF or the Mutuelle sociale agricole (MSA) with the net social amount transmitted by the employer or by the organization paying social benefits., indicates the National Family Allowance Fund. You must always declare other resources, not pre-filled, such as self-employed income, income received abroad and alimony.
Please note, the temporality of the resources taken into account changes: “It will be the resources from months M-2 to M-4 that will be used » (instead of M-1 to M-3).
Real estate loan: what maximum rate in the last quarter of 2024?
The usury rate for real estate loans granted over twenty years or more decreases for the second consecutive time, from 6.16% to 5.85%, in connection with the drop in loan rates that began at the end of 2023. This is the maximum rate (excluding insurance) at which a bank can lend. It is calculated each quarter by the Banque de France (it must take the average of the rates granted by the banks over the previous three months and add a third).
As for the usury rate for loans over ten to nineteen years, it is set, for this last quarter of 2024, at 6.03%, down for the first time since October 2021. Since the levels of usury are differentiated according to the duration of the loans (2017), this is the first time that the rate applying to the longest real estate loans is significantly lower than that linked to average durations.
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