Everyday life. Borrower insurance, taxes… What changes from June 1st

June reserves its share of entry into force of new laws or devices, without forgetting several deadlines not to be missed.

Home loan: simplified access and reform of borrower insurance

Good news if you plan to take out a home loan: the Lemoine law partially comes into force from Wednesday since it will begin to apply to new contracts. It provides in particular the possibility of terminating its borrower insurance at any time to take advantage of a cheaper competing offer and/or with better guarantees.

For contracts already in progress, borrowers will have to wait until September 1 to benefit from this measure.

Above all, the Lemoine law puts an end to the medical questionnaire for loans of less than 200,000 euros and simplifies access to mortgages for people who have suffered from cancer or hepatitis C. They will now be able to obtain credit in the same conditions as all other borrowers within five years of recovery.

More information on service-public.fr.

PER and life insurance: more transparency to compare

Are you hesitating between Retirement Savings Plan (PER) and life insurance? Other good news: each producer must, from June 1, provide a table presenting the costs by identical categories in order to allow subscribers to compare the different offers.

Here too, the entry into force of this measure is gradual since it will still be necessary to wait until July 1 to have the total costs incurred per unit of account or asset.

More information on service-public.fr.

Several deadlines to come

They had a few more days than their neighbors but won’t be able to postpone the deadline much longer. Residents of departments 55 (Meuse) to 976 (Reunion) must check, possibly complete and validate their 2021 tax return before June 8. For non-residents and residents of other departments, as well as French people opting for the paper declaration, it is already too late. If you miss the boat, it is better to correct the shot as soon as possible, otherwise you expose yourself to penalties of 10, 20 and even 40%.

Find our article on the 2022 fiscal calendar here.

the June 12, the French with their right to vote are called to the polls to elect the first round of the legislative elections. The second round takes place a week later on June 19.

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