This Social Netherlands Banks are a collaboration between commercial banks and 14 regional social work without profit. So cheap loans but lend responsibly for a useful purpose.

A loan for a new television, or borrow money for a holiday will not be able to SBN. These loans are therefore only provided to low income (up to 130% of the applicable minimum gross wage).

SBN calculates a rate, but this will be much lower than with a commercial bank.

Advantages
Very low interest rates and good guidance.
Only borrow money for much needed business.

Disadvantages
Only for very low income.
Only borrow money for much needed business

Given the state of our public finances, control of expenditure is not enough, so we must address the revenue side, but there are niches!

To say much of niches, our canine friends must ask themselves why their teachers as interested in their habitat, so true is it that makes it both ways under the term.

16 loopholes in the tax trap alone half the cost for public finances, a colossal sum of about 61 billion, above the national education budget. But what are those most frequently economic utility.

Thus, he goes for the two most expensive devices: reduced VAT for maintenance in housing, which supports the construction industry and the research tax credit that helps innovation.

Side households: half the cost of tax loopholes concerns tax cuts on income. It includes the premium for employment, the benefits of life insurance or the tax cut for working as employees at home.

Suffice to say that these niches are very popular among the French! In addition, certain devices have become political symbols untouchable, like reduced VAT in restaurants. Finally, addressing the benefits of retired not straightforward!

To avoid the worst abuses – some taxpayers paying more tax because of all these devices – the Parliament capped niches end of 2008. He then reduced that limit last year. A taxpayer can not reduce income taxes by using loopholes in the tax beyond an amount equal to 20 000 plus 8% of its taxable income. And almost all the devices are now individually capped. Including niches overseas.

But reducing the niche 2 billion per year is a task far more difficult.
Two competing options. Gilles Carrez, the UMP rapporteur of the Finance Committee in Parliament, hopes all planing devices 5% to 10%. The rate of tax reduction for the employment of an employee at home happen for example 50% to 45%. Bercy wishes to address the niches with the least sense.

Elysee Matignon and the referee did not, but it remains doubtful about the heterogeneity of what is called “niche tax. Is this a way to trivialize the real abuse?