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PRACTICAL LIFE – For the arrival of the month of June, the daily life of the French will experience some changes, notably between the arrival of the new family record book, rising gas prices and the end of cars at vignette Crit’Air 4 in Greater Paris…
Le HuffPost takes stock of what will change from this Wednesday, June 1st, and for the weeks to come.
Increase in gas prices
The regulated gas prices applied by Engie will still increase by 4.4% from June 1. An increase due to rising gas prices on the world market, as well as low European stocks linked to the war in Ukraine, notes Challenges.
This increase will amount to 1.2% for customers who use gas for cooking, 2.6% for those who have dual use, cooking and hot water, and 4.6% for homes that heat with gas.
A new family book
This June 1st a new model of Family booklet is coming. With the decree of May 3, 2022, this modernized booklet allows the inclusion of medically assisted procreation (PMA), the new rule on the choice of name, the adoption reform, of the identity of children born lifelessas well as the death certificate of adult children.
End of winter break
Extended with two additional months since April 1, the winter break ends on June 1st. From this date, rental evictions can resume. According to the Abbé Pierre Foundation, 30,000 households might be evicted from their homes.
Simplified home loan for former cancer patients
More justice for people cured of cancer for several years and who had to face many difficulties to take out a mortgage.
From Wednesday, the law changes and now allows former cancer or hepatitis C patients to obtain credit on the same terms as another borrower. However, this measure only applies from five years following their recovery. This was already the case for people treated for cancer before the age of 21.
Previously, this “right to be forgotten”, included in the framework of the AERAS agreement (Insuring and Borrowing with an Aggravated Health Risk), was for 10 years. A measure taken to avoid a tendency to premiums or even a loan refusal. The law of February 28, 2022 also plans to abolish the medical questionnaire for loans of less than 200,000 euros.
Terminate your borrower insurance “at any time”
It will be possible, from tomorrow, to terminate your borrower insurance “at any time” for all loans taken out from June 1. For those whose contracts are already in progress, this will be possible from 1is September 2022.
Before that, the borrower’s insurance might only be terminated in the first 12 months following the subscription of the mortgage. After a year, this was only possible on the anniversary date of the contract. The borrower is then free to take out a new contract with any insurance company.
✅ Agreement found on my PPL #borrower insurance ! Major advances for the French:
➡️ Termination at any time of borrower insurance
➡️ Reduction of the right to be forgotten from 10 to 5 years
➡️ Delete. health questionnaires for loans under €200,000 and under 60 pic.twitter.com/qLSyDGJ6TN— Patricia Lemoine (@P_Lemoine) February 3, 2022
Insurers will be, from 1is June, required to inform borrowers each year of this right and its terms.
Simplify the right to a bank account
The right to access a bank account is also now simplified. Thus, a person who asks to open a bank account and who does not receive an answer within 15 days of his request can turn to the Banque de France. The latter will automatically designate an establishment close to the applicant’s domicile.
“This procedure is open to anyone residing in France or in a Member State of the European Union, to any Frenchman residing abroad and also to applicants who are prohibited from banking”, explains Service-public.fr.
Better compare the costs of life and PER insurance
The costs of life insurance and PER (Retirement Savings Plan) will become clearer thanks to a measure taken at the initiative of Bruno Le Maire. This obliges insurers and banking establishments to display on their website a summary table of the management fees applied to each life insurance or PER.
Improved consumer protection on the internet
The information that a professional must communicate to a customer in the context of distance selling is reinforced from June 1, 2022, notes the specialized site Magnolia.fr. This is in accordance with a European directive relating to the modernization of consumer protection. There are now 15 obligations to be met, compared to 6 previously.
These new provisions aim in particular to improve consumer protection during cross-border transactions, which are increasingly common on the Internet.
Traffic ban for polluting vehicles in Greater Paris
From June, vehicles with a Crit’Air 4 sticker will no longer be able to drive in the low emission zones of Greater Paris, in addition to Paris intra muros. From 8 a.m. to 8 p.m., diesel cars built before 2006, and those with gasoline engines before 1997, will no longer be able to drive on weekdays. This prohibition remains valid every day for trucks and buses. A fine of 68 euros may be applied.
End of the ceiling for restaurant tickets at the end of June
After being postponed, the end of the ceiling of 38 euros for restaurant tickets will finally be recorded for the end of June. During the crisis, the government had decided to double the ceiling to support restaurateurs and encourage the French to return to restaurants.
This measure is scheduled to end on June 30. The ceiling will then go back to 19 euros.
See also on The HuffPost: The 3 attitudes really useful for the climate according to the IPCC
