Homogeneous Mortgage: Mandatory Pre-IPO Warnings

Personal Finance: What to Remember This Week

The net flow of Livret A and LDDS was positive in June 2022. The European Central Bank (ECB) raised key interest rates for the first time since 2011. The rise in mortgage rates continues. The National Fraud Task Force publishes an updated version of its Prevention Handbook. In France, 7.2 million homes “energy sieves”. Livret Jeune will show a rate greater than or equal to 2% as of August 1, 2022. The red stamp for priority letter submission will be discontinued from January 1, 2023.


  • Livret A and LDDS: Positive Net Inflows in June 2022

  • European Central Bank: First increase in key interest rates since 2011

  • Real estate: borrowing rates continue to rise

  • Fighting scams: Prevention guide updated

  • 7.2 million homes “energy sieves”

  • Small brochure: rate greater than or equal to 2% as of August 1, 2022

  • Cancellation of the red stamp as of January 1, 2023

Livret A and LDDS: Positive Net Inflows in June 2022

net collection of

Livret A was offered at a price of 1.04 billion euros in June 2022, while it was in recession in June 2021, according to figures published by Caisse des dépôts. For his part, the

The Handbook of Sustainable and Solidarity Development (LDDS) raised €250 million in June 2022, compared to €40 million in June 2021. The cumulative collection of these two tax-exempt products has reached €19.06 billion since the beginning of 2022. The rate of these two products ledgers will drop to 2% On August 1, 2022. Due to the development of inflation (+5.8% in June 2022) and interbank exchange rates, the two components of the equation for calculating the Livret A rate, the latter should continue to rise.

European Central Bank: First increase in key interest rates since 2011

The European Central Bank (ECB) at the end of July 2022 announced the first increase in the three key interest rates since 2011. The deposit rate goes to 0%, the refinancing facility rate goes to 0.50% and the marginal lending facility to 0.75%. These rates affect interest rates

Loans offered by commercial banks to families and businesses. The increase is intended to appease

The current tension on consumer prices. Thus the European Central Bank is coming out of the era of negative interest rates, as it began to normalize its monetary policy a few months later than its counterparts in the United States (US Federal Reserve) and the United Kingdom (BoE).

Real estate: borrowing rates continue to rise

average rate

Mortgage loans (excluding insurance) were 1.40% in the second quarter of 2022, compared to 1.12% in the previous quarter, according to the latest report from the Crédit Logement/CSA Observatory. Despite this increase, caused in particular by the heightened tensions in all financial markets since the outbreak of the war in Ukraine, rates are still well below inflation. This has not happened since the end of the fifties, as this organization associated with banks notes. Shock potential for

After the energy supply has increased significantly, the credit rate could reach 2.25% at the end of 2022, the observatory predicts.

Fighting scams: Prevention guide updated

The National Fraud Action Task Force, which was created in April 2020 by state services and supervisory authorities in order to improve public work in this area, has updated its Prevention Manual for the general public and businesses. The document now contains 16 sheets of paper, each of which shows some type of fraud (identity theft,

Bank details theft, personal training account scam, etc.) and how to protect yourself from them. The Task Force calls for particular vigilance when purchasing or subscribing to an offer of a service on social networks, when this becomes

The main entry points for scams.

7.2 million homes “energy sieves”

The total French housing stock will have 7.2 million dwellings qualifying as “energy sieves”, meaning they are classified F or G in

Diagnosing energy performance, according to a new estimate from the National Observatory for Energy Renewal (ONRE). More specifically, 17% of prime homes (5.2 million), 32% of second homes (1.2 million) and 27% of vacant homes (0.8 million) will be energy filters. The date, size, and location of the residence was built, and

Individual or collective character of habitat and occupation status are among the characteristics that influence energy performance, ONRE identifies.

Small brochure: rate greater than or equal to 2% as of August 1, 2022

interest rate

Livret Jeune is set by the banks, but it cannot be lower than Livret A, as its rate will decrease from 1% to 2% on August 1, 2022. As of this date, the rate of Livret Jeune will therefore be necessarily greater than or equal to 2%, states the Ministry of Economy, Finance, Industrial and Digital Sovereignty. This brochure is intended for young people between the ages of 12 and 25 residing in France. It requires a minimum deposit of €10 and a ceiling of €1,600, to which the capitalization of interest may be added. Each person is allowed only one youth brochure, but it is

It can be combined with Livret A and Livret de développement Permanent et Solidaire (LDDS).

Cancellation of the red stamp as of January 1, 2023

La Poste announced the abolition of the red stamp, allowing a letter to be sent in one day, starting January 1, 2023. The volume of urgent mail has decreased, and the latter has been replaced by emails, making the logistics of 24 hour delivery expensive, the public company explained. A specific service for one-day shipments will replace the red stamp: “Red e-Letter.” This offer at a price of € 1.49 will allow you to send a digital document to La Poste, who is responsible for printing and distributing it in an envelope in one day. It can, for example, be used for

Administrative actions at the last minute or


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