Livret a, back -to -school: This article explores the topic in depth.
Meanwhile,
Livret a. In addition, back -to -school:
Even during the summer break, changes will take place from 1is August, which will have consequences on the budget or savings of the French.
Decrease in rates of booklet A. Furthermore, LEP – Livret a, back -to -school
The rate of booklet A and the Sustainable and Solidarity Development Booklet (LDDS) will pass, 1is August, from 2.4 % to 1.7 %. Consequently, This drop has been unprecedented by its magnitude since 2009. Furthermore, This is the second this year. For example, since the rate of booklet A, which was still 3 % in early 2025, had already been reduced to 2.4 % on 1is FEBRUARY.
The rate of the popular savings book (LEP), reserved for modest households, will drop, on the same date, from 3.5 %to 2.7 %, being the subject of a “boost”, because its theoretical calculation formula livret a, back -to -school brought it out to 2.2 %.
According to data communicated by the Caisse des Dépôts. the total outstanding on booklet A and the LDDS reached 609.1 billion euros at the end of June. The one on the LEP represented 79.8 billion euros, on the same date.
“The booklet A concluded the first semester with a small collection allowing it to break a new record of outstanding. Since the beginning of the year. the French have maintained a significant savings effort while reducing their payments on their booklet A ”observes Philippe livret a, back -to -school Crevel, director of the circle of savings.
“Even if its real yield remains positive. the drop in the nominal rate should increase the decline in the collection, all the more since traditionally the second semester is more spending than sparingly. This is, in fact, marked by a series of expenses, holidays, back to school and end of year celebrations. Decollets are more frequent there than during the first half. With the rate effect, the probability of their occurrence increases ”judge M. Crevel.
A Public Treasury Payment
Following the declaration of income of 2024. the final calculation of your tax, some will benefit from a reimbursement from the tax administration. These are the taxpayers who made expenses in 2024 giving the right to reductions. tax credits such as, for example, donations, home job expenses, childcare or even rental investments. If they received an advance in January, livret a, back -to -school it will be deduced.
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