everything that changes this June 1st

Rest assured: there will be no increase in gas tariffs this month, as the government has extended its gas tariff shield until the end of 2022. So regulated tariffs are therefore the same as those of 1er October 2021. On the electricity side, nothing new either: the state capped the 4% increase in February 2022. To find changes this 1er June, it is rather the side of the banking sector that needs to be dug, with measures concerning real estate loans and their insurance, but also life insurance contracts and Retirement Savings Plan. Also note: the appearance of a new family booklet, symbolically more inclusive!

Simplified access to real estate loans for former cancer patients

It is a measure of justice: from this 1er June, former cancer and hepatitis C patients will be able to get a home loan on the same terms as all borrowers five years after they have recovered (and still have no relapse). Previously, this right to be forgotten was ten years old, except for cancers discovered before the age of 21, for which it was already five years old, recalls the state services, on the website Service-public.fr.

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This provision will be extended to other chronic diseases, such as diabetes, after negotiations between the state, the professional federations of insurance and banks, patients’ associations and consumers. In the absence of an agreement, this extension will be set by decree in the Council of State no later than July 31, 2022, the site states.

Termination, medical questionnaire, right to be forgotten … Parliament adopts the reform of borrower insurance

Published in the Official Gazette of 1er March 2022, the law for fairer, simpler and more transparent access to the borrower insurance market, also removes the medical questionnaire for loans of less than € 200,000, provided that the repayment deadline occurs before 60 years of the borrower. No medical examination of the naked insured may be requested by the insurer.

Terminate your borrower’s insurance

The same law, known as the Lemoine Act, also opens up the possibility of terminating and changing borrower insurance at any time, free of charge. This measure is applied for the account of 1er June 2022 for the new pretturi, et à partir du 1er September 2022 for contracts during this date. It further facilitates, according to several texts on the same subject, the renegotiation of insurance conditions, in order to benefit from a better rate or better conditions.

As such, insurers must inform their policyholders of this right of termination each year.

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Life insurance and PER: more transparency for expenses

Another novelty, still in the banking sector: from this 1er In June, producers and distributors of life insurance and Retirement Savings Plans (PER) will have to display the costs on their website, in accordance with a standard table established under a common agreement, under the „ under the auspices of the Ministry of Economy.

Life insurance, SCPI, PER…: at each age, his retirement investment

This table, which must be posted online on each manufacturer’s website, presents information in identical categories so that subscribers can know and compare entry fees, annual fees (depending on the type of funds and management). …), And punctual (arbitration, exit, transfer to another contract…), details Service-public.fr.

Simplified bank account entitlement

We will not leave the bank with the latest news this June, which will take effect on June 13. This is a simplification of the right to a bank account. This device, set up in 1984, allows customers to “recalés” through a bank to open a bank account. A decree of March 13 therefore simplifies its function.

A key measure of the reform: the possibility, open to anyone who requests to open a bank account and who does not receive a response within fifteen days of his request, to turn to the Banque de France. This latest design of the office of an establishment close to the home of the application or the place of its choice, indicates the government website. Within three days of being appointed, this establishment will provide the customer with the necessary documents to open the account. If the customer is not obliged to open an account, the designated bank will be obliged, in the event of a refusal, to inform the Banque de France of its reasons.

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Also with a view to “simplification”, a customer whose account would be closed by the bank will be able to activate the right to the account, even before the expiration of the closing notice, which will be able to guarantee the banking continuity of the person in question.

A more inclusive family booklet

A new model of family booklet comes into circulation from what 1er June 2022. It allows to take into account the recent reforms of family law, indicates the site Service-public.fr: medically assisted procreation, the new rule of choice of name, the reform of adoption. .

With regard to women couples referring to LDCs, after the conclusion of 3 May 2022, « parentage is established, with respect to the woman giving birth, by her sole designation in the birth certificate of the child. In respect of the other woman, the parentage is established by the joint joint recognition made before the notary at the same time as the consent given to the medical assistance for procreation. ». Early joint recognition is provided by one of the two women or, as the case may be, by the person in charge of declaring the birth to the registrar, who indicates this in the birth certificate. The identity of the woman who gave birth to the child is listed in the first section.

This new booklet also adapts to the recent name change regulation, simplified when the choice is for a name issued by a parent. From 1er July 2022, it will be possible to change your last name by simply registering. An adult to choose as a modifier his name to take that of his mother, his father or both. This procedure will only be possible once in his life. A parent may also add their name to that of their child, informing the other parent. If the child is over 13, consent will be required.

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What is the text of the change of name bill before the National Assembly?

It will also adapt to the new provisions of adoption, made possible for married couples or cohabitants, living in a community for more than a year, and over 26 years. For couples, it was previously only possible for married couples, for more than two years, and for more than 28 years, recalls the site Service-public.fr. Non-married couples have been revealed about the single-parent adoption procedure.

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Finally, this new booklet introduces the possibility, if the parents so wish, of declaring the first and last name of a child born without life, who could have previously been declared, but without a name, but also to enter the death certificate of an older child.

These new nude family booklets will be available throughout France from the 1ster June, because the town halls are allowed to sell the stock of their old models, the site states.

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