The month of June brings several news for the French. They mainly concern changes to various banking products such as life insurance, PER or debtor’s insurance.
There is some good news for June 2022. If the end of the continuation of the tariff shield for blocking energy prices has not yet been recorded, it must end on 30 June, and further measures will be taken to make everyday life easier for the French.
Greater transparency of life insurance contracts, lowering the ceiling for restaurant tickets or even a new family brochure are taking stock of what is changing this month.
Restaurant ticket: end of ceiling 38 EUR
Let’s start with the unpleasant news: the end of the ceiling of 38 euros for restaurant tickets. During the crisis, the government decided to double the ceiling to support restaurateurs and encourage the French to return to restaurants. This measure is due to end on June 30.
This month, too, it is possible to use meal vouchers during the week and on weekends with a limit of € 38.
This is nothing new, but the information deserves to be emphasized. Future students registered for the Parcoursup will have to check their admission phase from June 2 to 15. In case of rejection or late submission, the additional phase will be open from June 23 to September 16, 2022.
Family record book
A new model of the family book is coming! More includes extracts from personal status records and information related to personal status and family law.
“These adjustments take into account the new provisions on medically assisted reproduction (PMA), the new name choice rule, adoption reform, the identity of the deceased children and the death certificate of the minor children,” the state said. On the other hand, it also allows you to register the death certificate of an adult child.
This new brochure also adapts to recent name change regulations, simplified if the selection concerns a family name.
Simplified housing loan for former cancer patients
That was a deep injustice. People who have had cancer and recovered have had to face many limitations and difficulties in order to take out a mortgage.
The law is changing and now allows former patients with cancer or hepatitis C to obtain credit on the same terms as another borrower, but only 5 years after their recovery. The law of 28 February 2022 also plans to repeal the medical questionnaire for loans up to 200,000 euros.
Better compare the cost of life and PER insurance
The often unclear, poorly stated, difficult-to-understand costs of life insurance and PER (retirement savings plan) should be clearer.
This measure, at the initiative of Bruno Le Maire, obliges insurers and banking institutions to display on their websites a standard table summarizing the management fees of each life insurance or PER. A small revolution that will also be accompanied, but from July 1, by showing the total costs borne by each unit of account or each asset.
Terminate your borrower’s insurance
From June 1, it will be possible to do so at any time. Several texts have gradually made this solution easier to “negotiate insurance terms in order to obtain a more favorable rate, but people who have taken out a mortgage still have little use”. specifies the site service-publique.fr
This measure will apply from 1 June 2022 for new loans and from 1 September 2022 for contracts in progress on that date.
The right to a simplified bank account
The right of access to a bank account is still simplified for banking or financial products. A person who requests the opening of a bank account and who does not receive a reply within 15 days of their request may contact the Banque de France. He will automatically determine the establishment close to the applicant’s place of residence.
“This procedure is open to anyone resident in France or a Member State of the European Union, to any French resident abroad and also to applicants who are prohibited from operating banking,” says Service-public.fr.
End of winter break
From April 1, the winter break was extended by another two months and ends on June 1. From this date, the eviction can be resumed. According to the Abbé Pierre Foundation, 30,000 households could be evicted from their homes.