Mobility, taxation, health, real estate everything that changes in 2022

By fashionlifeshopping 27/10/2022 1079 Views

Mobility

Les véhicules diesel Euro 4 ne pourront plus circuler à Bruxelles

The bass emission zone (LEZ) in Brussels will take a new stage on January 1 with the ban on Euro 4 Diesel vehicles in order to reduce air pollution.These cars, vans, bus and minibus will no longer be able to circulate within the Lez, which covers the 19 Brussels municipalities.About 76,500 vehicles aged 11 and over, registered in Belgium and which circulate in the Brussels region, are concerned (including 25,000 registered in Brussels).A transition period is scheduled for three months until April 1, 2022, the date from which the drivers in offense will receive a fine of 350 euros.

Taxation

A new tax decree in Wallonia

The new tax decree of the Walloon government will make it possible to fight more effectively against practices intended to escape and/or bypass certain taxes.In matters of inheritance tax, we will no longer pay for registration fees at the time of the donation but inheritance rights at the time of death.The anti-abuse measure by which manual (not recorded) donations made before death are still taxed in inheritance tax will be extended from 3 to 5 years.The possibilities of escaping taxation in inheritance tax via a life insurance mechanism will be greatly reduced.Automobile taxation is also affected by these measures since the favorable tax system of the tax van will be reserved for professional users.The favorable tax regime of ancestors vehicles will be limited to those registered under "ancestor" registration, in addition to being registered for more than 30 years.

Real estate abroad imposed on the basis of cadastral income

Owners of real estate abroad will have to register for the first time a cadastral income in their tax return next year.No more distinction is made between real estate in Belgium or abroad.Based on tax exercise 2022, cadastral income will therefore be requested in the tax declaration.The new rule applies to real estate in all countries.

Diesel and petrol cars taxed more heavily

From January 1, taxes on diesel and petrol corporate cars will be increasing.Due to the drop in average CO2 emissions in Belgium, in particular thanks to the "greening" of the car fleet, the references are adjusted.For petrol cars, natural gas and LPG, the reference emission goes from 102 to 91 grams of CO2 per kilometer.For diesel cars, it decreases from 84 to 75 grams of CO2 per kilometer.These decreases mean an increase in the percentage of CO2 of cars that emit more, and therefore an increase in taxable advantage.The minimum taxable advantage for 2021 amounted to 1,370 euros per year and will be indexed in 2022.

The taxman will retain less withdrawal from the salary

The taxman will retain less withdrawal from the salary à partir du 1er janvier et remboursera donc moins d’impôts.Employers retain an amount on the salary of their workers each month as a professional tax, a form of early payment for the final calculation of the tax at the end of a fiscal year.Next year, the reform will result in an average "increase" of 128 euros per year of net salary, 209 euros in 2023 and 243 euros in 2024.On the other hand, taxpayers will receive a lower tax refund.

Social

Towards an indexation of wages of more than 3.5 % for employees

The indexing of wages of CP 200 employees, the largest joint committee in the country, could reach 3.56 % on January 1, according to SD World calculations published at the end of November.Some 400,000 employees (from 50,000 employers) in the private sector are affected.Such indexing would be unheard of for a good ten years.Automatic indexing in Belgium is a mechanism that allows wage adaptation according to the cost of living.It is supposed to amortize inflation.SD World has calculated that the gain in terms of net salary should be around 240 euros on an annual basis.

Gradual abolition of the Special Social Security subscription, a gain of 50 to 150 euros for employees

Mobility, fiscalité, santé, immobilier Tout ce qui change en 2022

The government has decided to reduce the rate of the Special Social Security subscription (CSSS) applied to employees and civil servants from 9 % to 7 % and to lower the ceiling from 731.28 to 581 euros.This crisis tax had been established in 1994 by the Dehaene government as part of the global plan aimed at bringing Belgium into the Euro.It would be a question of a gain of 50 to 150 euros in net salary per year, according to household income, had calculated the echo in October.This reform should come into force on April 1, which explains that only 225 million euros were budgeted in 2022, while we go to 300 million on an annual basis in 2023 and 2024.

End of the medical certificate for a single day of absence

The abolition of the requirement of a medical certificate for a single day of absence in companies with more than 50 workers (with a maximum of three days a year) was acted by the government.But the date of entry into force of the measure is not yet known.

Health

The "maximum to bill" in health care goes to 250 euros

The "maximum to bill" ceiling (USF) in health care, for people at the lowest income, will be reduced from 450 to 250 euros.This decrease concerns more than 96,000 households, which can now count on a higher reimbursement.Concretely, families with the lowest incomes, who will have counted for 250 euros of moderator for health care, will be reimbursed from the rest of the third party in the same year.The transition from this maximum to be invoked at 250 euros had been ratified in October in the 2022 health care budget by the Inami General Council.The government has meanwhile validated this measure, which is part of a series of reforms registered in the program law approved at the end of December in the House.

Right to be forgotten for persons healed from cancer wishing to contract insurance

Insurers will no longer be able to take into account a cancer pathology to refuse a guaranteed income insurance request from January 1.A binding code of good conduct for the member companies of the Professional Union of Insurance Companies, ASSURALIA, will come into force on this date.The conditions of this "right to be forgotten" are clearly defined: a period of 10 years must have sold since the end of successful treatment without additional treatment being necessary.The only exception concerns a treatment for the type of preventive hormone therapy that may have been followed during the 10 -year period.In addition, no relapse can take place during these 10 years, and the candidate-assured may not have been unable to work during the same period following his cancer pathology.

Energy

A simplified and clearer energy bill

The energy bill will be simpler and clearer for the consumer from January 1, 2022.A royal decree now establishes the minimum requirements to which invoices and billing information for gas and electricity must meet.Presented on two pages, the information will be divided into five different sections to clearly identify it: "essential information on the contract", "what, where and how should I pay or recover an amount", "I have a question","Compare contracts and change" as well as "manage your energy consumption".The "small prints" will also be deleted.This simplification must allow consumers to better compare and control their energy consumption, which was previously more difficult due to a tangle of charges and costs on the invoice.

Prohibition of tacit renewal of dormant energy contracts

Dormant energy contracts can no longer be tacitly renewed from January 1, 2022.Energy suppliers will now have to inform the customer and offer him a new contract when he is no longer active or his price differs from the current energy price.A "sleeping" energy contract is a contract which is in fact no longer available on the market, but which is tacitly renewed by the supplier.The consumer therefore continues to pay the old price.

Photovoltaic panels: an environmental contribution

The environmental contribution for photovoltaic panels will come into force in Wallonia.This will oblige companies putting for the first time on the market of photovoltaic panels to finance their collection and recycling.Concretely, anyone who installs it will be invoiced a tax of 2 euros excluding VAT per panel.This will be used to finance the PV Cycle ASBL which takes care of the collection and processing of used photovoltaic panels.This tax will not be retroactive.Recycling, deposit or removal on site are entirely covered by the environmental contribution.Panel owners will therefore not have to pay any additional load.

Banks

The taxman will have access to the amounts on Belgian accounts

From 2022, the banks active in Belgium will have to communicate the balance of bank accounts and payment as well as globalized amounts of certain financial contracts twice a year at the central contact point for accounts and financial contracts.The goal is to help the fight against fraud.The taxman may effectively consult the balance of a bank account in the event of suspicion of fraud or money laundering."The first communication of the aforementioned globalized sales and amounts will have to be carried out no later than January 31, 2022", specifies the National Bank on its website.

Banks will raise their prices

Regarding bank charges, at the end of October, Deutsche Bank Belgium announced an increase of 32.5 % for DB Accounts, who will therefore pass from January 1, 2022 from 4 to 5.30 euros per month.BNP Paribas Fortis also planned an increase for two of its accounts in 2022: the cost of the ordinary sight account goes from 1.75 to 2 euros per month (+14 %) and that of the Premium Pack from 7 to 7.50 euros(+7 %).Monthly contributions will also grow at Crelan or Fintro.

A universal banking service to maintain manual operations

A universal banking service (SBU) will be included in the offer of Belgian banks on January 1, 2022 so that customers can pay and manage their money without difficulties in the context of digitization of the.The universal banking service provides for a package of services comprising at least 60 manual operations per year (in particular paper transfers to be returned to the agency and withdrawals of cash at the counter), a debit card, 24 cash withdrawals at the ATMthe bank, and the printing of account extracts at the automatic counters of the own bank in the agency.The SBU has a maximum fixed cost of 60 euros per year, possibly supplemented by a variable cost for sending account extracts.

Immovable

Compulsory expertise to obtain a mortgage loan

From January 1, 2022, the banks will be forced to carry out an expertise of the property before granting a mortgage loan.But it should not necessarily be carried out by an on -site expert, a statistical model can also be used.The amount of the loan will now be calculated on the basis of the estimated value and no longer on the purchase price.The National Bank provides that, in most cases, banks will rely on a statistical model, also avoiding the additional costs caused by the use of an on -site expert.The borrower will not necessarily be forced to provide the difference between the expertise value and the purchase price.

Towards an indexing of rents

Unfortunately (for tenants), rents will be indexed.Each year on the anniversary date of the entry into force of a lease, the rent can be adapted to the cost of living by the owner of the property.This indexing is authorized, unless the contract has excluded it, since 1997.Due to the runaway inflation and therefore the sharp increase in health index, the indexing of rents will be greater than in previous years.To find out how exactly your rent will be, you can for example go to Statbel's online simulator.Hopeful, however, owners are not forced to index, and can also do it partially or only some years.According to the tenant union, about one in five lessors would not systematically index.

Other prices

Towards an increase in the prices of telecom operators

Another expense post will also have to increase in 2022: telecoms.Proximus traditionally increases in January the prices of the "old" family, Minimus and Tuttimus packages, in order to push customers to new Flex packages.Price increases vary from 1 to 1.50 euros per month.And every year, Telenet and Voo also increase their prices by 3 to 4 %.New in 2022?Orange Belgium is also going "to face the increase in the rental price of the Telenet and Voo networks".Next year, Orange will therefore apply higher prices to its Love packages with 2 euros more per month (fixed internet) and 3 euros more (fixed internet and digital television).The Love Trio package with GO Plus and fixed telephony will therefore cost 78 euros per month, to compare with the cheapest all inclusive package at Proximus at 85.99 euros and a comparable package at Telenet at 86 euros.

Increase in prices at Bpost

On the daily life side, the non -Prior stamp will drop from 1.10 to 1.19 euros and the Prior from 1.60 to 1.89 euros.An annual increase in all classic.

Record increase for fire insurance premiums

The amount of fire insurance premiums will increase by 5.6 % on January 1, 2022, thus moderating the increase in the Abex index, from 858 to 906 between November 2020 and November 2021.Such an increase of 5.6 % had not been observed since 2007 (+5.88 %).The ABEX index, published according to the evolution of construction prices (which increased sharply in 2021 following shortages of materials), is used by 98 % of insurers to develop the amount of the premium.

But also…

Trains.From February, all SNCB prices should increase by 1.14 % on average, except home-work and school subscriptions which will increase by 2.14 %.

Security.Serruriers must be able to present an identification card to their customers from January 1.The measure must help fight fraudulent locksmiths.

Eco-checks.Eco-checks can be used on January 1 to buy all the products sold by farms that hold the "Live from the farm" label and not only those certified "organic".

Water in Brussels.Vivaqua will increase, on January 1, 2022, the price of distribution water in Brussels.Water prices will increase by 15 % in 2022 in the capital, with correction mechanisms aimed.

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