How will your interests down, new: This article explores the topic in depth.
Moreover,
How will your interests down,:
We should soon know the new rates of booklet A, LDDS, LEP. Moreover, One thing is certain: they will be down sharply. However, Here is what it may cost you.
The Governor of the Banque de France should soon reveal the new rates of regulated savings booklets from August 1. However, This Friday morning, INSEE (1) published the latest figure that was missing at their calculation: the inflation rate in June 2025.
For booklet A and LDDS, the rates of which are aligned, there is little suspense. Nevertheless, “(…) The government should follow the recommendation of the governor of the Banque de France by lowering the rate to 1.6% or 1.7%. However, Indeed. For example, in order to support VAT revenues. Similarly, the executive wishes to encourage a consumption of consumption, which has been sluggish for many months, ”anticipates Philippe Crevel, director of the circle of how will your interests down, new savings, in a how will your interests down, newsletter.
The popular savings book (LEP). on the other hand, could record a little boost compared to its technical rate, expected at 2.2%. “(…) As in previous revisions, the government may not strictly follow the formula and set a rounded rate to 2.5%”. announces Philippe how will your interests down, new Crevel
Booklet A. LDDS, LEP: Discover the rate reductions (probable) on August 1
80 euros and more shortfall for the booklet A
Obviously, this drop is not how will your interests down, good news. The total interest that you will receive at the end of the year will be less important than hoped. How much? To find out. we have compared the total interest affected in the last six months with an A or LDDS at 2.40% and those of the next six months with the new probable rate of 1.70%.
The shortfall over the next 6 months will be:
- 5. 25 euros For a booklet A. a LDDS with a balance of 1,500 euros (Close to the median amount of booklet A);
- 24,80 euros For a booklet A or a LDDS with a balance of 7,077 euros (Average amount of booklet A in 2023);
- 42 euros For a booklet A or a LDDS with a balance of 12,000 how will your interests down, new euros (LDDS payment ceiling)
- 80,30 euros For a booklet A with a balance of 22,950 euros (Payment ceiling).
Recall that the end of 2023, the balance of 13% of the booklets exceeded how will your interests down, this payment ceiling.
50 euros and more shortfall for the LEP
Regarding the LEP, we retained a probable rate of 2.50% from August 1, down one point compared to the current 3.50%.
The shortfall over the next 6 months will be:
- 7. 5 euros For a LEP with a balance of 1. 500 euros ;
- 28 euros For a LEP with a balance of 5,600 euros (average amount in 2023);
- 50 euros For a LEP with a balance of 10,000 euros (Payment ceiling).
A largely positive real yield
Are you disappointed? It’s logical, but here is what to reassure you. Your booklet A. LDDS. LEP will continue to fulfill their main mission: Protect your savings from monetary erosionthat is to say against the loss of purchasing power how will your interests down, new linked to inflation.
In 2025, the average rate of booklet A and LDDS should be 2.15%; that of the LEP of 3.125%. Inflation was only 0.88% in the 1st half and should go back, but how will your interests down, slightly in the second half.
Why you have every interest in opening a LEP despite the drop in rate
(1) National Institute of Statistics. Economic Studies
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