Interests of booklet A or more specific booklets? Dividends received on a PEA or on a securities account? What rents to declare in the event of a rental investment? If you are claiming the activity bonus, aid dedicated to low salaries, the CAF asks you for your annual income from investments and assets. Continuation of our series dedicated to eligibility for the activity bonus.
If you are simulating your rights to the activity bonus, or if you are already a beneficiary and you have started the application file, the CAF will eventually ask you to enter your annual investment income (interest, dividends, capital gains). values…) or assets (property income…). Which? For what?
All resources must be taken into account, including income from capital or heritage
The general principle remains take into account the overall situation of the household for the calculation of rights, explains Isabelle Brohier, head of the solidarity, integration and litigation department of the CNAF (National Family Allowance Fund). All resources must be taken into account, including social benefits and including income from capital or assets. Resources which range from salary or other income from activity, to possible indemnities, allowances, and therefore interest or dividends drawn from your financial capital or rental investment income, and which will thus be integrated into the (complex) calculation of activity bonus.
Small salary: What minimum income to be entitled to the CAF activity bonus?
Booklet A, LEP… Nothing to declare!
What financial and property income must be declared to the CAF, as part of this application? Do not panic: no need to declare the interests of your Livret Ayour possible popular savings account (LEP) or your LDDS!
We are only talking about taxable income
As for bank savings products, as CAF explains in its simulator (1)only interest subject to income tax should be declared: Refer to income tax 2021, writes CAF. Same principle for dividends received within a PEA, or annual income from life insurance, which are not taxed each year: nothing to declare. We are only talking about taxable income: therefore stock dividends [hors Plan d’pargne en actions, NDLR], interest on investments subject to tax, etc., confirms Isabelle Brohier, of the CNAF. So the interests of recent housing savings plans (PEL), for example, or the interests of classic savings accounts, or the dividends received via a securities account, etc.
Real estate: if you receive rental income
As for the resources drawn from real estate, this is again if you receive additional income: via occasional rental, of the Airbnb type (in this case it is declared with the income of non-salaried workers), and especially via the regular rental of housing, that is to say property income.
How to go about it, if you touch rents? Potential property income [loyers tirs de la location d’un logement dont vous tes propritaire, NDLR] are integrated into the calculation, based on fiscal year N-2: therefore, in 2023, property income declared to the tax authorities for the year 2021. Then we divide the annual amount by twelve, to bring it back one monthly average.
(1) Button helps (?) the line Annual investment income (interest, dividends, capital gains, etc.) or assets (property income, etc.) of the simulator.