This vital week: the final line for the tax return for 2022! The debtor’s insurance coverage may be canceled at any time beneath the Lemoine Act. Sturdy SCPI assortment in 2022. Quickly the ceiling of 38 euros for restaurant tickets will finish.


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The deadline for filing a tax return for 2021 is approaching. The procedure for the right to a bank account has been simplified since 13 June 2022. The SCPI recorded a net inflow of 55% in one year in the first quarter of 2022. The debtor’s insurance for loan offers issued from 1 June 2022 can be canceled at any time. Recording is permitted by telephone for the purpose of proving an oral contract. From 1 September 2022, an energy audit must be carried out on the sale of houses or buildings classified as F or G on the basis of energy efficiency diagnostics. The doubling of the Ticket-Restaurant usage limit ends on June 30, 2022.

Summary:

  • Taxes 2022: last days to file a tax return

  • The right to a bank account: simplification of the procedure

  • SCPI: strong increase in inflows in the first quarter of 2022

  • The debtor’s insurance is now cancellable at any time

  • Telephone sales: recording allowed to prove the contract

  • Mandatory energy audit for heat screens

  • Ticket-Restaurant: end of the ceiling at 38 euros on June 30, 2022

Taxes 2022: last days to file a tax return

The deadline for filing a tax return for 2021 is approaching: residents of departments no. 55 to 974/976 have a time until Wednesday, June 8, 2022. For residents of departments no. 1 to 19 and the inhabitants of the departments no. 20 to 54, the deadlines have passed: they have been set for 24 May 2022 and 31 May 2022. It can be corrected once the initial declaration has been submitted in time. The repair service will be available online in a special area of ​​the tax site from early August 2022 to mid-December 2022.

The right to a bank account: simplification of the procedure

The account right procedure established by the Banking Act of 1984 guarantees every citizen or company the opportunity to have a free account with basic banking services. From 13 June 2022, people who did not receive a reply to their request to open a bank account could appeal directly to the Banque de France. One working day after his transfer, he shall designate a banking institution close to the applicant’s place of residence or the place of his choice. In 2020, the Banque de France held 36,056 meetings under the right to a bank account.

SCPI: strong increase in inflows in the first quarter of 2022

In the first quarter of 2022, real estate investment companies (SCPIs) achieved a net inflow of 2.6 billion euros, which is 55% more than in the same period in 2021, according to the Association. French real estate investment companies (Aspim). The predominantly “office” SCPI accounted for almost half of the net inflow in the first quarter (47%), followed by the SCPI with a diversified strategy (23%) and the SCPI “health and education” (18%). In 2021, the SCPI recorded an average distribution rate of 4.49% and a total real estate yield of 5.85%.

The debtor’s insurance is now cancellable at any time

Under the Lemoine Act, which partially entered into force on 1 June 2022, the debtor’s insurance contracts relating to loan offers issued from that date may be canceled at any time. With current insurance contracts, this will only be possible from 1 September 2022. Until now, the debtor’s insurance was cancelable during the first year by sending a registered letter to your insurance company no later than 15 days before the annual date of the contract. The Lemoine Act also removes a medical questionnaire in connection with a housing loan of less than € 200,000.

Telephone sales: recording allowed to prove the contract

In the case of telephone sales, the recording of the interview is permitted only for the purpose of proving that the contract is signed orally, without written support, states the National Computer and Freedom Commission (CNIL) in a note. The customer must be informed of this registration and this must apply only to the moment of concluding the contract. Registration is not required for all other remote transactions that must be accompanied by a contract. Bank data used for payment must also not be recorded or stored, recalls CNIL.

Mandatory energy audit for heat screens

From 1 September 2022, an energy audit will have to be carried out on the sale of houses or buildings classified as F or G on the basis of energy efficiency diagnostics, housing classified as “thermal nets”. This audit informs the buyer of the work that needs to be done to improve the energy classification of the accommodation, even if he is not obliged to close the sale. Decree published incl

Official newspaper

of 4 May 2022 determines the qualifications of experts authorized to perform this type of audit.

Ticket-Restaurant: end of the ceiling at 38 euros on June 30, 2022

The daily ceiling for the use of restaurant vouchers, set at EUR 38, will return to EUR 19 after 30 June 2022. Originally decided in June 2020, the doubling of the ceiling for Ticket-Restaurants was extended three times (in December 2020, in August 2021, then in February 2022) by the Ministry of Economy, Finance and Renewal in support of the catering sector. The opportunity to use them on weekends and holidays will end on June 30, 2022.

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