The capital of a fixed rate bond is not guaranteed. But if some private companies may lead to a risk, it is not the same for borrowing launched by the State, which are the safest because in addition to benefit from the best ratings, they serve as a benchmark for interest rates.
Money invested in a fixed-rate bond is always available. To retrieve just to sell its shares at any time.
The rate of pay fixed rate bonds is of approximately of 4%. For added value, the difference between the refund price and the price for the acquisition of the obligation is called the premium refund.
Revenues from bonds and repayment premiums are taxable and must be marked on the statement of income taxes. They are subject to social security payments by 11%. You can also opt for the levy at source by 16%, plus the social security payments by 11%. But in the case of the levy at source, the Bank will hold 27% of the amount before the transfer to your account.
Fixed rate bonds may be sold before the term of the loan. In this case there is tax on added value only if the sum of the securities sold more than 15000 euros a year. Note that this only concerns non-payments and income of the action. This sum the capital gain is taxable at the fixed rate of 16%, in addition to social security payments by 11%.
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