CHANGES FEBRUARY 1, 2023. Livret A rate, LEP interest, toll price increase and MaPrimeRénov’ budget increase… Here are all the changes as of February 1.
[Mis à jour le 27 janvier 2023 à 10h46] Many changes will impact your portfolio and your daily life from February 1, 2023. Good news is emerging, such as the increase in the rates of certain savings accounts such as the Livret A or the LEP. On the other hand, some new features could weigh on your budget. The price of motorways will increase significantly, as will the price of electricity or gas, despite the extension of the tariff shield. Linternaute.com summarizes, for you, all the changes you absolutely need to know for this month of February.
The rate of the favorite savings product of the French will increase! Indeed, from February 1, 2023, the Livret A account will have a rate of 3%, compared to 2% until then. Its highest level since 2009. With this new remuneration, and for an average savings of 5,800 euros, you will pocket 174 euros at the end of the year, or 58 euros more than with the old rate. Remember that Livret A is a savings account remunerated whose funds are available at all times. This account is free of charge and interest paid is exempt fromincome tax and social levies. Know that anyone, adult or minor, can have an A booklet.
Good news for savers, the popular savings account rate will increase significantly! Take note of the date, from February 1, 2023the LEP rate of pay will increase from 4.6% to 6.1%. In other words, for a savings of 5,000 euros, you will pocket 305 euros at the end of the year, i.e. 75 euros more than with the old rate. As a reminder, the LEP is twice as profitable as the livret A, on the other hand, the payment ceiling is set at 7,700 euros (excluding interest) against 22,950 euros for the livret A. Also, be aware that to claim it, your taxable income must not exceed €20,297 for a single person. The popular savings account rate is revised twice a year by the Minister of the Economy, on the recommendations of the Governor of the Banque de France.
While the energy crisis suggests large increases in gas and electricity prices this winter, the price shield, already extended until December 2022 for gas, and until 1er February 2023 for electricity, is renewed in 2023. The rise in gas and electricity prices is limited to 15%. The limitation is higher than that of 2022 (which was 4%) and it concerns “all households, condominiums, social housing, small businesses and the smallest municipalities”.
The first step of the principle of “countercyclicality“, this somewhat barbaric term allowing the government to define the parameters of compensation for job seekers according to the state of health of the labor market, will come into force. February 1st next, a reduction in the duration of the indemnity of 25% will be effective once the unemployment rate drops below the 9%. A measure that will concern all new job seekers. For a jobseeker registered as of February 1, 2023, benefiting from 24 months unemployment under the old rules, the new entitlements could plummet to 18 months. If the unemployment rate is above 9%, the rights are restored to 100%.
The price of tolls is set using an automatic formula linked to the rate of inflation. From February 1, 2023, the average increase will reach 4.75%.
The government has increased the budget allocated to MaPrimeRénov’ aid, from 2 billion euros in 2022 to 2.5 billion euros in the 2023 finance bill. As a reminder, MaPrimeRénov’ is an aid for energy renovation offered by France Rénov’ and calculated according to your income and the ecological gain of the work. On December 22, 2022, the Minister for Ecological Transition, Christophe Béchu, also announced in a press release that the work ceilings that can be financed by this scheme will be revalued on February 1, 2023to take inflation into account.
The MaPrimeRénov ‘condominium aid, which is used to subsidize energy renovation work on the common areas of condominiums, will see its ceilings raised “from 15,000 to 25,000 euros”. The MaPrimeRénov ‘serenity aid, which for its part finances renovation work allowing energy savings of at least 35%, will see its ceilings “revalued from 30,000 to 35,000 euros to better support the most modest households in their comprehensive renovation projects”.