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Granted to investors who rent out a new property purchased or built in a collective residential building for a certain period, the tax reduction rates provided under the Pinel scheme are being lowered in 2023. Previously, the Pinel law allowed for a tax reduction of 12% over 6 years, 18% over 9 years, and even 21% over 12 years. However, starting April 1, 2023, these reductions will decrease to 10.5%, 15%, and 17.5%, respectively, for the same durations. They will drop again in 2024 to 9% for 6 years, 12% for 9 years, and 14% for 12 years, ultimately disappearing at the end of the year.

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The usury rate refers to the maximum rate at which banks can finance their clients. It is the APR (annual percentage rate) that must not exceed this usury rate. As a reminder, the APR includes the nominal rate (the bank's interest rate) as well as various costs related to the loan, such as borrower insurance or administrative fees. Set quarterly by the Banque de France, the usury rate is calculated based on the average rates applied by banks over the previous three months, increased by one-third.

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The E.P.D. is an assessment that provides information on the amount of energy consumed by a building and evaluates its energy performance, as well as the impact of its consumption in terms of greenhouse gas emissions.

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