The examination of the finance bill for 2024 ends in the National Assembly. The second part, into which 128 amendments retained by the government were integrated, was adopted Tuesday evening with the help of 49.3. Focus on 3 boosts to the household budget, and 2 surprises.
1 – Advance renovation loan: easy access
What is the advance renovation loan, or PAR? This aid is supposed to allow you to finance the remaining costs in the event of energy performance work, after having benefited from aid such as MaPrimeRenov’ or eco-PTZ.
This advance renovation loan allows you to pay only the interest at the start, the capital being repaid only at the time of the resale of the property or the inheritance. This mortgage loan is reserved for low-income households subject to resource conditions and for seniors who own their main residence. But, due to a lack of banks offering it in an ostensible way, this advanced renovation loan risks flopping… In 2022, only 36 PARs had been issued…
Real estate: flop or false start for this renovation assistance?
An amendment from the Renaissance group, integrated by the government into the text on which it exercises its responsibility, facilitates access to the advanced renovation loan. The amendment affects two aspects: remove means testsconsidered very restrictive today, and finance a counter-guarantee of these subsidized loans, in order to encourage banks to offer this advance renovation loan to their borrower clients.
2 – Car 100 euros per month: purchase or rental
Social leasing, in other words the electric car accessible for 100 euros per month (to which insurance will have to be added), will be for the January 1, 2024. At least, that’s what is written in a double amendment to the 2024 budget. Which will still require an implementing decree.
What’s new? The choice between long-term rental (LLD) and rental with purchase option (LOA), for durations of 2 years minimum, will now be enshrined in law; and a new budget dedicated to guaranteeing these means-tested loans.
LOA, LLD… Who will be able to drive the electric car for 100 euros per month?
3 – AAH after 62 years
Beneficiaries of the disabled adult allowance (AAH) are not affected by the pension reform: they remain declared unfit for work at age 62 and thus access a full-rate pension (or Aspa, the minimum old age) from now on. legal age of departure. Clearly, at 62 years old, the AAH automatically stops to switch to retirement or minimum old age. With an AAH then granted if necessary to supplement low retirement resources.
This automatic aspect was contrary to the spirit of the reform, according to the government. It therefore included an amendment in its text submitted to 49.3 allowing AAH beneficiaries to continue to work in ESAT, or in an ordinary environment, and continue to receive AAH in addition if they wish.
Government clarification in comment on its amendment: Entry into force is planned for the end of 2024 at the latest [entre en vigueur par dcret au plus tard en dcembre 2024, NDLR] to allow the organizations responsible for paying the AAH time to make the necessary adaptations.
Two surprise measures
A booklet. The government has included a Horizons amendment allowing part of the savings deposited in Livret A and LDDS accounts to be directed to SMEs in the defense industrial and technological base (BITD).
Kilometer scale. The scale allowing income tax to be reduced by deducting mileage costs does not present any incentive to moderate the kilometers or the power of the vehicle: This system is suitable for multiplying the distance traveled by the administrative power of the vehicle: at most one car consumes , the more the expenses reimbursed will be significant, note the Horizons deputies in comments on their amendment. The government therefore retained this text aimed at establishing a report to determine new methods for calculating mileage compensation on criteria which would depend on the vehicle’s greenhouse gas emissions in order to favor, through a higher reimbursement, the least polluting vehicles. and therefore reverse the current trend. The door opens to an overhaul of the mileage scale, therefore.
Christmas bonus: a helping hand for single-parent families… in another law
This measure does not appear in the 2024 budget but in the end-of-management finance bill for 2023: a boosted Christmas bonus for single-parent families. A measure presented by the socialist group to the National Assembly and they announced that they had obtained the government’s agreement to put this exceptional aid into music.