With mortgage rates expected at 3% at the start of 2025, some savers are considering taking out variable rate loans to reduce their monthly repayments. Because unlike fixed loans, these loans evolve according to the Euribor: if it falls, your monthly payments decrease, but conversely, in the event of an increase, they increase. These loans, often capped to limit risks, remain rare in France, where 99% of loans are at fixed rates, considered more secure.
Financial scams have exploded this year, affecting 1.5 million French people according to the AMF, more than double that in 2021. 57% of French people are exposed to dubious proposals, the most “atypical” of which concern investments in nursing homes, car parks or student rooms. Discover on Capital.fr the most common pitfallsto prevent you from risking your savings.
Flight delays and cancellations once again marked the year 2024. TAP Air Portugal tops the list least punctual companieswith more than one in three flights delayed. Jet2 and EasyJet follow closely. Air France, despite the Paris Olympics, limits the damage by ranking 8th, with a delay rate of 23.48%. In terms of cancellations, Lufthansa is the least reliable, while Ryanair performs well with only 0.17% of canceled flights.
Before going on winter vacation, let's do a reminder of the right actions to adopt by car. Check your windshield wipers, lights and equipment like the roof box. Fill the coolant with antifreeze and use a winter windshield washer fluid. Equip your vehicle with suitable tires: the Mountain Law requires winter tires or chains in certain areas, but they are useful everywhere below 7°C. Adapt your driving on snow and check the battery, especially for electric cars, by planning your recharges carefully.
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