The first day of the month is, as usual, marked by a series of developments that affect household budgets.
Housing aid increases by 3.26%
This 1Ahem In October 2024, personal housing aid will be revalued annually: personalized housing assistance (APL), family housing allowance (ALF) and social housing allowance (ALS). The rate of increase is set according to the latest known evolution of the rental reference index: it is 3.26% this year, compared to 3.50% in 2023.
RSA and activity bonus: slightly modified procedures in five departments
Alpes-Maritimes, Aube, Hérault, Pyrénées-Atlantiques and Vendée: these departments will experience, until 1Ahem March 2025, the pre-filling of quarterly resource declarations, for the beneficiaries of the activity bonus and the active solidarity income (RSA).
These “they will no longer need to fill out themselves the line corresponding to their salary and/or the line corresponding to their replacement income (unemployment benefit, daily social security benefits, disability or retirement pension, etc.). These lines will be pre-populated by the CAF or the Mutuelle sociale agricole (MSA) with the net social amount transmitted by the employer or by the organization that pays social benefits.indicates the National Family Allowances Fund. You must always declare other resources, not preloaded, such as income from self-employed workers, income received abroad and alimony.
Please note that the timing of the resources taken into account changes: “It will be the resources from months M-2 to M-4 that will be used » (instead of M-1 to M-3).
Real estate loan: what maximum rate in the last quarter of 2024?
The usury rate on real estate loans granted for more than twenty years falls for the second consecutive time, from 6.16% to 5.85%, in relation to the drop in loan rates that began at the end of 2023. This is the maximum rate (excluding insurance) at which a bank can lend. It is calculated every quarter by the Banque de France (it must take the average of the rates granted by banks during the previous three months and add a third).
Regarding the usury rate for loans for ten to nineteen years, it is set, for this last quarter of 2024, at 6.03%, falling for the first time since October 2021. Since the usury levels are differentiated according to The duration of (2017), is the first time that the rate applied to longer duration real estate loans is significantly lower than that linked to average durations.
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