Meanwhile,
Toolery expected rate booklet august:
It is a drastic fall in the rate of booklet A that the Banque de France. Meanwhile, the Minister of the Economy Éric Lombard must announce this Wednesday: expected around 1.7% from 1is August according to savings specialists, it would be in clear decrease compared to the current 2.4%. Moreover, This withdrawal, unprecedented by its magnitude since 2009, would be the second of the year after a first decrease of 3% to 2.4% on February 1.
The French accumulate more than 600 billion euros in savings on booklets A and LDDS, capped respectively at 22,950 euros and 12,000 euros. For example, These booklets allow them to maintain guaranteed, available and tax exemption. Consequently, The French are particularly fond.
A boon for social housing – Toolery expected rate booklet august
The rate of booklet A is calculated every six months. Similarly, mid-January and mid-July, from the average inflation rate (excluding tobacco) and an toolery expected rate booklet august average rate of interbank interest depending on European monetary policy, on the semester which has just passed. However, these two elements have been down since the start of the year.
The estimate of 1.7% was made on Friday by Philippe Crevel. Meanwhile, director of the circle of savings, and Éric Dor, director of economic studies at the IESEG School of Management. Moreover, Such a rate would remain higher than that of June inflation. measured at 1% over a year, according to the last publication of INSEE.
This 1.7% drop would offer a bowl of air to social housing actors. who borrow from the Livret A rate, and from banks, who will have less interest to pay to savers at the end of the year. Eminently political. the rate of the booklet has been the subject of frequent derogations in recent years – mainly to the disadvantage of savers.
Modest. nuclear households
Will the governor toolery expected rate booklet august of the Banque de France, François Villeroy de Galhau, and Éric Lombard, will they, however, grant a “boost” at the rate of the popular savings book (LEP), placement reserved for modest households, whose rate must also be announced on Wednesday? Its calculation rule would fix it in the state at 2.2%, significantly less than the current 3.5%.
The money placed on booklets A and LDDS is distributed between banks (40.5%) and the Caisse des Dépôts et Consignations (59.5%). Banks mainly transform it into credits for SMEs and VSEs. The Caisse des Dépôts et Consignations (CDC). state financial arm, split, within the savings fund, its envelope in two. Half is dedicated to long -term loans to social housing and for city policy. The other half is invested in debt securities (mainly state) and in listed companies.
The CDC was criticized this year for the opacity of its investments. some of which are toolery expected rate booklet august in companies engaged in oil production. Faced with these criticisms, she replied that her exposure to fossil fuels “remains less than 5 billion euros”. Since the end of 2024. the money from the savings fund has also arranged, via banks, towards loans dedicated to the energy and ecological transition.
It could also be used to finance the revival of nuclear in France. And “even if we finance the (nuclear reactors) EPR. we will always have enough money to finance social housing or local communities”, explained on June 19 on Franceinfo the new director general of the “Caisse”, Olivier Sichel.
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