Ceiling Booklet A: How much can you place?
It is reachable to place a maximum of 22,950 euros back January 1, 2013. The limit booklet A does not however tote up the capitalization of interest which can carry the tally of the Livret A exceeding this limit. taking into account the ceiling is reached, new payments can not be made until a withdrawal has been made in advance; solitary captivation can continue to bill the account more than the ceiling. concentration is calculated on the addition sum, even after higher than the ceiling; and a booklet A subsequent to 23,000 will earn at the rate of 1% 230 (basis 23,000 ) and not 229.5 (basic 22,950 , the maximum amount of payments to the 1 st January 2013).
During his election disquiet in 2012, Francois Hollande initially undertook to double the ceiling of booklet A. In a encouragement published upon the site of the Socialist Party, he indicated that 2/3 of the revenues of the doubling of this ceiling will be affected the construction of social housing, "including reducing spread livret A rates to HLM"
This was raised in two stages but more modestly: from 25% on 1 October 2012 and once more from 25% on 1 January 2013 to 22,950 euros next to 15,300 euros at the stop of September 2012. The resolved aspiration of the 30,600 euros Seems to have been definitively abandoned: the government now prefers to speak to French savings to businesses (notably through the creation of the PEA-SME) and considers that the financing needs of the HLMs are tolerably covered.
However, there are two exceptions to the normal limit: associations, which are entitled to pay occurring to 76,500 euros upon a Livret A and low-cost housing (HLM) which are not topic to any limit. Until the changeover to the euro in 2002, the ceiling of Livret A was unlimited at 100,000 francs, or 15,244.90 euros at the time.
There are investments taking into consideration much more attractive yields that attain not have a cap. We recommend you recognize a look at the investment diamond .
Precious stones, and diamonds a fortiori, constitute about the and no-one else safe havens whose course is increasing and which you can adorn yourself, that you can carry agreed easily in achievement of need, that you can transmit or depart without pain , Which you can cash in anything country you are in, which encouragement from an advantageous taxation and which guarantees a total anonymity to its purchaser.
The exceptional plants of the tax system he enjoys makes diamond a key investment product. At the era of purchase, registration and file fees are non-existent, but if the diamonds are stored in a forgive zone, you will be exempted from paying VAT (20%). upon resale, if the transaction does not exceed 5,000, the tax exemption is total.
For larger transactions, the diamond brute considered as flexible property, it is taxed on the surplus value. You will subsequently have the unusual of paying a flat rate tax of 6.5% (6% + 0.5% CRDS) and to remain anonymous or else you pay the tax upon the capital get (34,5 %) Less an abatement of 5% per year from the 3rd year. This tax upon the capital get will hence be zero after the 22nd year.