Taxes, insurance, everyday life … find out what’s changing since June 1

Impôts


This summer will mark the beginning of the changes brought about by the new tax laws and regulations in France. Different dates are also expected. We carry out inventory.

Housing loan

The change on the mortgage side is expected from June. These are measures aimed at simplifying access to the loan and also at reworking the borrower’s insurance. If you plan to take out a mortgage: Lemoine’s law partially enters into force on Wednesday, June 1, 2022.

It will then apply to new contracts. This new provision provides for the possibility to terminate the debtor’s insurance in order to prepay a competitive bid. If the latter offers better guarantees or if it is simply cheaper.

However, those who already have a valid contract will have to wait until the beginning of September to benefit from this new measure. The Lemoine Act primarily puts an end to medical issues addressed to a particular category of debtors. Anyone who wants to take out a housing loan of less than 200,000 euros will no longer be subject to it.

This will open the door to credit for people who have suffered from cancer or hepatitis C. Within five years of recovery, they will have the same rights as all other debtors.

More transparency for comparing PER and life insurance

Having trouble choosing between life insurance and a retirement savings plan (PER)? This is good news: from 1 June, manufacturers will have to provide a table presenting costs according to the same categories. This will allow consumers to compare the different offers that come their way.

This measure will also be phased in. The sum of the costs per unit of account or asset will not be available until the beginning of next July.

Upcoming dates

People living in the departments of Meuse (55) in Réunion (976) must check, complete and validate their tax return for the year 2021 by June 8, 2022. No doubt you have noticed that they had a few days more than the others.

For those who do not live in these departments, or for those who thought so according to the papers, it is really too late. To avoid penalties between 10, 20 and even 40%, it is better to do so as soon as possible!

On June 12, 2022, citizens with the right to vote will be called to the polls to cast their vote in the first round of parliamentary elections. They will, of course, have to return there on June 19, 2022 for the second round.

The price of household insurance should rise in Occitania and PACA

Climate change will affect household insurance costs in some regions. Indeed, a study by the Banque de France’s Prudential Control and Troubleshooting Office predicts a significant increase in household insurance premiums in regions affected by natural disasters.

The Office of Prudential Control and Solutions (ACPR) of the Banque de France states that people living in the south of France will be most affected. This is the PACA and Occitanie region. ACPR explains this with the frequent climatic dangers (storms, episodes in Cévennes, etc.), the constant rise in temperatures for many years, but also the harmful effects of drought on housing.

Moneyvox announces that the increase will be 40.6% in Occitanie and 33.3% in the PACA region in the near future. Assurland estimates that “the rise and violence caused by bad weather are causing an increase in household insurance premiums, especially in the south-eastern regions. In the long run, this could get much worse if we are to trust insurance comparators.

“The biggest disaster to come will be drought. It should be very expensive for insurance companies in the coming years. The costs they pass on to the contract price, ”says Assurland.

The findings of the comparator are based on a study by the Office for Prudential Control and Troubleshooting (ACPR) of the Banque de France. He fears an increase in housing premiums by “150 to 200% by 2050”. Insurance companies need to adapt to the increasing damage caused by climate change.

Between 2016 and 2020, natural disasters cost 1.7 billion euros. Compared to the period 2011-2015, this means an increase of one billion.





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