Taxes: consider paying your property tax monthly

2023-10-10 07:29:36

IF you are a homeowner, you will not have missed this: your property tax notice has just reminded you of the amount you will have to pay this year. By default, you will have to pay this amount in one go – before the deadline of October 16 or 21, depending on your situation.

But if the pressure is too great and if you have difficulty paying several hundred euros at once, there is a solution: request monthly payment of this property tax. This is what Virginie and Olivier, two forty-year-olds from Yvelines, did three years ago: “Every time, we were fooled when it was time to go back to school. Rather than spending 2,000 euros in October, we now prefer to spread the cost throughout the year. » Their samples are now taken in ten installments, from January to October. Or 200 euros per month, without additional costs.

To subscribe to this option, you simply need to be domiciled in France and have a bank account. The request is made on the site Impots.gouv.fr, from your personal space, or by telephone at the number appearing on your tax notice. However, it is not possible to do this in the first tax year: you must already have been taxed once, the monthly payment being calculated from the tax previously paid.

Avoid the late penalty

In addition to smoothing out your payment, monthly payments have other advantages: it allows you to avoid the 10% late payment penalty (if you ever forget the payment deadline), and possibly a bank overdraft (if your budget is tight at the start of the school year).

On the other hand, it does not avoid uncertainties regarding the final amount to be paid. And to find out if your property tax is increasing, you have to wait… Monthly taxpayers must wait until the third week of September to receive their notice, while others receive it at the end of August.

If you decide to activate the monthly payment, know that it is too late for the 2023 property tax. But there is still time for next year. If you join before December 15, withdrawals will begin on January 15, 2024. After December 15, withdrawals will begin in February. The samples are then taken on the 15th of the month (or the first working day if the 15th is a Saturday, Sunday or public holiday). It is not possible to choose another date.

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