Meanwhile,
How much will rates drop:
The booklet A has been off to know its worst drop in rate for fifteen years on August 1. Consequently, leading to its falling LEP and other regulated booklets. However, The formalization of new rates is expected in the middle of next week.
Bad news! Nevertheless, Everything suggests that the rate of booklet A. Meanwhile, which it shares with the LDLS, will know, on August 1, its worst fall for fifteen years. Moreover, The remuneration of the booklet n ° 1 in France risks, in fact, to pass from 2.40% to 1.70%rate not subject to tax or social contributions. Moreover, Either A decline of 0.70 points Undeadary since May 1, 2009, when he had gone from 2.50% to 1.75%. Therefore, The formalization of this decline will take place “in the midst of next week”. the Banque de France replied on Tuesday, July 15.
Booklet A will lead to the other regulated. savings booklets in its fall. Unless the government’s boost, the popular savings book (LEP) risks, in particular, go from 3.50% to 2.20%.
These other placements without risk that the booklet will lead to its fall
This drop is the logical consequence of. a double phenomenon. A low inflationfirst of all: the price increase was limited to 0.9% in June according to figures published today by how much will rates drop INSEE, while it was still 2% in the year 2024. decreased interbank rate Then: the half -yearly average of € STER. which is part of the Livret A calculation formula, went from 3.44% at the end of 2024 to 2.46% at the end of June.
* monthly inflation outside tobacco
In red: Real efficiency of the a negative booklet compared to inflation
In green: real yield of the A positive booklet compared to inflation.
© MoneyVox
Still far from the rate floor
Can the remuneration of regulated booklets go even lower? In theory, yes. There are, in the decree supervising the rules for remuneration for regulated savings, a floor rate for the booklet A. But it is located 0,50%. So there is still room! This floor, for the record, was reached not so long ago, between February 1, 2020 and February 1, how much will rates drop 2022. Consequence of this rule, LEP’s remuneration cannot descend below 1%. Its rate, in fact, is at least half a point to that of booklet A.
This floor, however, should not be reached, at least in the short term. For this, the reference indices of the Livret A calculation formort should continue to decrease. Now it is rather a Inflation stabilization which is expected. As for the half -yearly average of € STER, it should continue to fall back, but without accelerating. This interbank rate is, in fact, is directly influenced by the choices of monetary policy of the European Central Bank. However, the latter spoke of a break in the drop in rates started a year ago.
The best banking booklets at the moment
Further reading: Olivier de Benoist says “Monday in the sun” by Claude François – It’s time to subscribe – “The return home was complicated” – A man placed in pre -trial detention after an assassination attempt – When the humorist was running with Éric Judor in Ardèche.
