Each year, your bank changes its bank charges on February 1. And according to the calculation made by the consumer association CLCV, expect to pay 2.5% more on average. Price increases for your means of payment such as the credit card or cashier’s check, price increases also for account maintenance fees, for withdrawals made at the competition from a certain number per month …
The French banking federation confirms this average increase but puts it into perspective. To talk about it, its president in Touraine, Hervé Roger was the guest of France Bleu Touraine this Monday morning. He is also the Indre-et-Loire director of Banque Populaire-Val de France:
“Remember that in recent years, the banking sector was one of the few sectors, not to say the only one not to have raised its prices.
After that, these 2.5% increases are 2.5% of what? On small consumers, known as fragile, the increase will be 15 cents per month. So you have to know how to put things into perspective. Average consumers will pay only 30 cents more per month and only 5 cents for larger ones.
If the banks make savings on certain parameters, on others, they invest. Everything that is digital in particular, payments with your smartphone, consultation of online accounts …
Home loans more difficult to obtain in the event of too much debt
It was a recommendation, it is now an obligation since January 1. “We can no longer accept an immo loan if the household debt ratio exceeds 35% or if its duration exceeds 25 years with more or less two more years if we are on new or if there is big jobs. But know that today, 99% of real estate loans unwind well. We do it with intelligence and benevolence “.
Banks promise to stand by businesses hit by health crisis
“At the level of the hexagon, it is 700,000 PGE (loans guaranteed by the State) signed and 145 billion euros distributed to companies. We were present before the crisis, very present during and we will continue. Most of our customers will pass this milestone. And we will always be there for those who still encounter difficulties such as events and tourism. “ For them, the repayment terms of their EMPs will be extended. Bercy announcement last week.