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Insurance Reform News

Cà finally moves to the loan insurance ....

Soon the free choice of insurance when subscribing to his credit and the ability to tell his bank that the insurance group should be imposed.

Christine LARGARDE, Minister of Economy, wants the consumer can freely choose their loan insurance, the legislation will be considered at the meeting at the National Assembly on 01/04/10 and final adoption scheduled for the end of the first half of 2010.

If you have a project for real estate financing, do not hesitate to take advantage of competition between insurance players borrower, April, Alptis, Cardif, Generali and others ....

You'll be surprised gaps contributions with the contracts offered by banks and equivalent guarantees.

You can see here .

More info, click here .

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borrower's legal and tax life insurance: taxation to social security contributions on death of life insurance contracts multi-media law

For life insurance contracts in euros, 12.1% social security contributions are due each year at the book-entry interests. Until now, contracts for unit-linked contracts or multi media, they applied only to settlement of the contract if the life insured.
If settlement of the contract by death, there was no social tax.
The Finance Act for 2010 Social Security payroll taxes to submit the death benefits from life insurance contracts multi media.
This applies to all interest accrued on the outstanding contracts at the outcomes of contract occurring on or after 1 January 2010, regardless of the date of signing the contract.
however, are not affected by this new measure: the contracts "disability savings," the survivor annuity, life insurance contracts and group contracts type "Madelin" Welfare or Corporate Retreat.
For more information, contact us here.

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2010 to reduce taxes Category

The previous Finance Act introduced the concept of "tax available. This is equal to 2010 to 20000 € + 8% of taxable income.
It concerns all credits and tax cuts granted in return for an investment or a benefit enjoyed by the taxpayer. Thus fall within the available fiscal envelope (and not limited to):

- The deduction in respect of investments made overseas (Girardin Girardin & industrial);
- The tax reduction for subscription capital of SMEs, share FCIC and FIP.
- Reducing Tax declare and pay income,
- Tax Credit granted in respect of interest on loans incurred to finance the acquisition of the main dwelling,
- The tax credit in respect of sums paid for the employment of an employee at home,
- Tax Credit for expenditure on equipment in support of sustainable development,
- The tax credit for costs of child care ....

This excludes the tax benefits granted in consideration of the situations experienced by the taxpayer (disability, alimony, family quotient) or without consideration (grants). The

available for tax benefits granted under the prepaid expenses, investments made or aid from 1 January 2009.

It is therefore for everyone to enjoy this device and optimize the mastery of his taxes.

For more information, Erwin Marzolf is at your disposal .