Questions about the future rate of the Housing Savings Plan, a new boosted rate bank booklet, the dates to remember for your housing tax on second homes… Here are the 3 money news items for Tuesday, November 8.
The question of the day: will the PEL rate increase in 2024?
Star placement of the 2010s, the PEL has lost its splendor. The French who have one are more likely to close it than to fill it. Over the first nine months of the year, the outstanding amount of the PEL fell by 23 billion euros!
It must be said that with its rate of 2% gross or 1.40% net of taxes, a PEL opened in 2023 is not the most attractive investment at the moment. But this remuneration, updated every year in January, could increase. Enough to justify waiting a few weeks before opening one, just to lock in a rate of 2.25% or 2.50% in the long term. Here’s why.
Home savings plan: for whom is a 2% PEL still a good deal?
The figure of the day: a boost rate of 5.5% for this new bank book
Competition is intensifying in the bank passbook market. These risk-free products offer increasingly attractive rates. After the Super Direct Placement booklet with a boost rate of 5.25% less than a month ago, here is the Meilleurtaux Booklet which displays a record rate of 5.5%, before tax and social security contributions. How to benefit from it? Discover the conditions of this new placement.
Comparison of the best bank accounts
Reminder of the day: the dates to remember for paying the 2023 housing tax
It has not disappeared for all taxpayers. Notices of imposition of housing tax on a second home are available from this Tuesday. Notices are sent or made available on impots.gouv.fr gradually until the end of the month. Please note that payment must be made before mid-December. Here is a summary of the 5 dates to remember to pay your housing tax.
Calculation, exemption… Everything you need to know about the housing tax