Despite the decline in the prices of stone, many households will soon pay more for homeownership. The Finance Act 2014 in fact authorizes the county councils who wish to increase from 3.8% to 4.5% for two years transfer taxes, commonly known costs notaire1 that each buyer spends at the Buying a property old. The increase in this tax should enable departments to cope with the growing burden of social spending (RSA2, allowances for dependent elderly and disabled) and the decline in state grants to local governments.
The measure will come into force on 1 March in the departments which have adopted and will apply until 29 February 2016. It therefore concern the acts signed from March 1, even if the sale agreement was drafted in late 2013. "In recent months, buyers have often meant to accelerate the sales process to avoid paying a premium," says Vincent Chauveau, notary in Loire-Atlantique. As for individuals, the extra tax of 18.4% will not be negligible. Thus, for a € 300,000 home purchased, the new owner will pay 2,100 euros more than in 2013 (see table below). "Increasing Notary fees amounts to requiring that the individual has a greater to acquire a property, because today the banks do not finance these capital costs," said Mael Bernier, spokesman of Empruntis.com.
"The vast majority of departments, right and left, will put the rights transfer to 4.5% because they have no other choice to finance higher social benefits," said Claudy Lebreton3, President of the General Council of Côtes-d'Armor and the Association of Departments of France (ADF).
After the municipal
For the latter "between fifteen and twenty departments maintain a maximum rate of 3.8%." For now, only five of them have announced that they levy tax on real estate transactions remain unchanged: Isère, Paris, Brittany, Mayenne and Yvelines. Yonne may also be in this case. The decision will be made during the budget vote on 30 and 31 January.
In contrast, the list of departments majoreront transfer duties on 1 March grows day by day. North, Eure or Creuse were among the first to announce painful. Pas-de-Calais, Seine-et-Marne, Savoie, Ain, Bas-Rhin, Loir-et-Cher, Loiret, Côtes-d'Armor, Aude, Corrèze or Charente-Maritime is also in this case. Other councils have enshrined the principle of increase in their budget (often already cohosh in the preliminary budget) which will be voted on in the days and weeks to come.
This is particularly the case of Essonne, Indre-et-Loire, Gard, Haute-Saône Haute-Marne, Alpes-de-Haute-Provence, Allier, Pyrénées- East, Vienna, Channel, Oise, Gironde, Alpes-Maritimes, Haute-Garonne, the Vendee, Meurthe-et-Moselle or the Corse-du-Sud. In the Hérault, the budget will be approved in late February.
Cautiously, some general advice confess not yet have stopped their decision. "This will be made during the debate on the budget guidelines 23 and 24 January," says Will we in the General Council of Ille-et-Vilaine. "An evaluation and analysis work is in progress, including what we will puncture the state," says one in the Loire. Idem in Calvados. The General Council of Hauts-de-Seine, we confess "think again" on the issue. Indre, Landes, Val-d'Oise, the Rhône, Haute-Savoie, Bouches-du-Rhone, Seine-Saint-Denis or the Loire-Atlantique will decide in the spring (April or May). In other words, after the municipal elections, although this is not specified. Some of these departments also concede that they observe their neighbors and follow the national trend
For most buyers, all legal fees will therefore shortly from 7% to about 7.7%. "The notary fees include a departmental tax of 3.8% or 4.5% soon, a municipal tax of 1.2% of the cost of assessment and collection, the rate is fixed at 2.37% right Departmental fees and notaries, "explains Bruno Delabre, notary in the North. The fees of notaries also come slightly increase due to the increase of VAT increased on 1 January from 19.6% to 20% … Anyway, with this budget law, the government will struggle to be heard when he says do to lower the price of housing.