From February 1, the rate of the Livret A increased from 2.25% to 1.75%. In its wake, many short-term investments have seen their rates fall.
SARA booklet Booklet A struggling young
The rate of the Blue Booklet, Booklet A clone in networks of mutual credit, and that the booklet Sustainable Development (LDD), available in all banks, also increased from 2.25% to 1.75% February 1 . The ceiling of lodgment is respectively 22,950 euros and 12,000 euros.
It is possible to hold one or Blue Booklet A person, but can combine with LDD LDD not exceed two per household.
Specifically, a couple with a child can open three Booklet A and two LDD, so it put a total of 92,850 euros. Come see what …
To get better, you must back on a popular Passbook (SARA), which reported 2.25% net. The ceiling of payments has not changed and is still set at 7700 euros.
Only requirement to purchase: You must be non-taxable, or have less than 769 euros set of imp t income in 2012?. This threshold Best Meat Grinder is recalculated every year, and if you exceed the LEP should be cl? Tured. Warning, the amount of imp? Ts to take into account is established on all household income before deducting the tax credit and the imp? T.
If you have children aged 12 and 25, open their young Booklet to place your savings. Payments are indeed capped at 1,600 euros, but this book provides a regulated compensation at least equal to that of A. Booklet
To attract their prospective customers, many banks are much better. At present, the best deals are at the Caisse d’Epargne Ile-de-France and Bred (3.5% net), BNP Paribas, La Banque Postale, HSBC (3.25%) , CIC, Cr??dit Mutuel and Societe Generale (3%).
Savings unchanged housing
On January 1, the rate of return on savings plans (PEL) remained unchanged at 2.5% gross. It is thus necessary to remove the 15.5% social security contributions that are deducted each year on your interests, to get the net pay: 2.11%.
If you purchase an ELP this year, his salary will remain at this level throughout the opening period. You can invest up to 61,200 euros and can not hold more than one person.
At this rate plus a premium of State. To get it, you have to wait to celebrate the fourth anniversary of the PEL, then take out a housing loan savings in the year following the fence.
With a total of at least 5,000 euros, credit triggers the payment of the state subsidy, the amount of which depends on the previous installments of the plan while being capped at EUR 1 000 or 1525 euros if the credit used to buy a “green” housing.
A PEL, the sums are, in theory, blocked for at least four years. But you can cl? Turing before. In this case, your salary is reduced.
If you get your savings within two years, your savings will earn you more than 1.25% gross. From his second birthday and before his three years, the ELP is paid at 2.50% gross. Between the third and fourth anniversary, the pay is still 2.50% gross, but you can take half of the state subsidy.