How are gas prices evolving at 1is July ? Unemployment benefits? Parisian rents? Partial activity allowance? The scrapping bonus? Aid for energy renovation? The terms of the credits? Overview of the main changes affecting personal finances.
- Gas: almost 10% increase
After an increase of 4.4% in June, the regulated gas prices of Engie rose on average by 9.96% (excluding taxes) on 1is July, announced the Energy Regulatory Commission (CRE).
According to its deliberation, the increase will be 2.8% for customers using gas for cooking (they are around 430,000), 6% for those with dual use, cooking and hot water (around 360,000) and of 10.3% for those heating with gas (1.54 million).
In particular, writes CRE: a “Price increase on the world market” explained by a “High demand linked to the recovery”, for “The increase in the price of CO emission allowances2 in Europe, which increases gas consumption for electricity production to the detriment of coal ”, through “Maintenance operations in the North Sea” (limiting Norwegian gas imports) and by “The low level of European storage” (weather related).
This ” sharp rise (…) is also due for more than 2% to the participation of gas in favor of the energy transition ”, adds CRE, citing the system of “energy saving certificates”, which obliges suppliers to finance energy saving actions.
Since 1is July 2020, these regulated tariffs increased by almost 36%. The increase amounts to 1.1% since 1is January 2019 and at 2% since early 2015.
- Partial unemployment: the benefit decreases in some cases
1is July, the compensation received by employees in partial activity increases from 70% to 60% of the gross salary (from around 84% to 72% of the net salary) in the general case and in the absence of an activity agreement long-term partial.
However, the employees “Companies from sectors most affected by the crisis and those from administratively closed companies will continue to receive compensation equal to 84% of net salary until August 31”, indicates the Service-public site, which notes that this development goes hand in hand with the gradual resumption of economic activity.
- Revaluation of unemployment benefits and degression
Unemployment insurance benefits increase slightly on 1is July for “94% of job seekers compensated by unemployment insurance, or about 2.4 million people”, announced Unedic on June 29, estimating the cost of the measure for Unemployment Insurance at 210 million euros for the year and a half to come.
The rate of increase is between 0% (for 6% of benefit recipients) and 0.6% (this maximum rate concerns in particular all recipients of the minimum benefit, and benefit recipients who have been compensated for more than six months).
As for the application of the reform of the calculation of unemployment benefit, already postponed several times and scheduled for this 1is July, it was suspended by the summary judge of the Council of State. The way of setting the daily reference wage, which is the basis for calculating the allowance, therefore remains unchanged for the time being.
But the degression of allowances for employees under 57 years of age with high incomes (over 4,500 euros gross) does indeed come into force, confirmed the Ministry of Labor. With an adjustment linked to the economic situation, provided for by a decree of March 2021: the degressivity will only occur after eight months of compensation, and not six.
- The energy performance diagnosis gets a makeover
From July, the energy performance diagnosis (DPE), communicated for the sale and rental of a property, is no longer informative but legally enforceable. A measure of the law on the evolution of housing, development and digital (ELAN) of 2018 which was to come into force at the beginning of 2021 but was postponed by six months. A buyer or a tenant who believes they have suffered economic damage because of an incorrect label can therefore take action against the seller or the owner.
Above all, the embodiment of the energy performance diagnosis is reviewed.
Among the changes: the calculation system based on the energy bills of the dwelling will no longer be usable, the calculation will still be made on the basis of the characteristics of the building (quality of the insulation, heating system, etc.). And the lighting will count. The DPE will only have one label, compared to two today – one for the primary energy consumption of housing, the other for its greenhouse gas emissions.
- Limited ecological bonus and scrapping bonus
The maximum level of the ecological bonus, which can be applied to the purchase of a new electric or plug-in hybrid vehicle is lowered by 1,000 euros to 1is July. Example: it goes from 7,000 to 6,000 euros (within the limit of 27% of the price) for the purchase of an electric vehicle of less than 45,000 euros emitting less than 20 g / km (this is the category of vehicles for which the bonus is the highest).
Another change: the conditions of access to the conversion bonus, the “scrapping bonus”, are tightened. For example, it will no longer be granted for the purchase of a diesel vehicle or one bearing the “Crit’Air 2” sticker.
- MaPrimeRénov ‘: for landlords too
It is from this 1is July that landlords (owners renting out a property) can submit their application for MaPrimeRenov ‘aid.
This public was not previously concerned by this aid, which can be paid to households to finance energy renovation works and the amount of which varies according to household income, the number of dependents, location, work completed.
For the file to be eligible, the quote must have been signed after 1is October 2020.
- Further reduction in the maximum credit rate
The rate at which banks can lend money is capped: it cannot exceed the usury rate. This maximum rate, which includes all costs related to the loan, is calculated each quarter on the basis of the average rates charged in previous months, increased by one third.
For July, August and September 2021, these ceilings are lower compared to the second quarter. The rate of wear goes for example from 2.60% to 2.48% for a mortgage over 20 years or more. And from 2.52% to 2.44% between 10 years and 20 years. For bridging loans, it drops from 3.05% to 2.93%. These usury rates have melted in recent years, in connection with the fall in loan rates.
- Compensation for Liberal sick leave
All liberal workers under the National Old Age Insurance Fund for Liberal Professions (CNAVPL) will be able to benefit from daily allowances (IJ) in the event of sick leave starting from the 1is July. “The IJ will be paid from the 4e day of stoppage, for a maximum period of 87 days’, “Within the limit of 360 IJ over three years”, specifies the CNAVPL, which manages the system.
How much will the indemnity be? “At half of the professional’s income, taken into account within the limit of 3 PASS” (three times the annual Social Security ceiling, i.e. 123,408 euros in 2021), and with a minimum amount of 22 euros per day (which does not concern microentrepreneurs), details the CNAVPL.
The annual membership fee “Will be between 50 euros and 370 euros”, depending on income. For microentrepreneurs, the reform will result in an increase in the overall contribution rate from 22% to 22.2%.
The measure is included in the 2021 Social Security budget. According to the National Union of Liberal Professions, 130 million euros of IJ will be served per year. So far “Only some [libéraux] (doctors, paramedics, accountants, dental surgeons and midwives) were covered (…), from 91e day of incapacity “, specifies the CNAVPL.
- Parisian rent regulations: new ceilings
For leases signed from 1is July in the capital, the rent ceilings, set within the framework of the framework, change. To know them, you can use this simulator, indicating the address of the accommodation, the number of rooms, the time of construction, the type of rental.
Example: for a rented unfurnished two-room apartment in the Saint-Fargeau district (20e), built in the 1980s, the maximum rent (known as “increased reference rent”) goes from 21.50 euros to 21.80 euros.
- Paternity leave extended to 25 days
For children born from 1is July (or whose birth was scheduled from 1is July), the duration of paternity leave will no longer be set at 11 days but at 25 days, in the general case. This leave remains compensated under the same terms and conditions as before – the daily amount paid by Medicare can be simulated here.
- Mandatory marking of used bicycles
If you buy a second-hand bike (apart from children’s bikes) from a professional from this 1is July, it must be permanently marked with a unique number, listed in a database. A measure which aims to fight against theft and illicit resale and which already applied since 1is January to new bikes.