Housing Savings Plan (PEL)
Verified 13 November 2025 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)
You want to save for buy a residential property ? The home savings plan (PEL) may interest you. The purpose of this account is granting loans to people who have saved for at least 4 years and which use their savings to finance dwellings for the main dwelling. The rules applicable to the ELP vary depending on the opening date : from 2018 or before 2018. We present you the information to know.
PELs subscribed from 1erMarch 2011 is limited to 15 years. The first 15-year ELPs will expire on 1er March 2026.
Only ELPs subscribed before 1er March 2011 may be continued for an unlimited period.
Open from 2018
Anyone can open an ELP: there is no condition of age, residence or nationality.
If you are under legal protection (guardianship or curatorship for example), this is your legal representative who should open the account for you.
Warning
The ELP is reserved for natural persons. It is therefore not possible to open a PEL for an association or a business.
You can open an ELP in all banks that have signed an agreement with the state.
These banks undertake to comply with the ELP operating rules.
But if you already have one home savings account (CEL), you must subscribe to the ELP in the bank where you already have the CEL. The ELP and CEL must be held in the same institution.
To open the ELP, you must sign a written contract with the bank.
No. You have the right to a single ELP. It is forbidden to hold multiple PELs at the same time.
There may be several ELPs in your tax home, but within the limit of one ELP per household member.
Yes, you can accumulate the ELP with other regulated savings products (booklet A, sustainable and solidarity development booklet, popular savings accountetc.).
FYI
If you already have a home savings account (CEL), you must subscribe to the ELP in the bank where you already have the CEL.
Initial Deposit
When opening the account, you must make a payment for a minimum amount of €225.
You can pay this amount into the account by bank transfer, check, or cash if your bank accepts the cash deposit.
Periodic payments
You must pay a minimum amount of €540.
You can make periodic payments (monthly, quarterly, or semi-annual). This is specified in the contract.
In general, the amounts of periodic payments are as follows:
- €45 per month
- or €135 by quarter
- or €270 by semester
Payment can be made by bank transfer, check or cash if your bank accepts cash deposit.
Warning
If you do not comply with the terms of payment set out in the contract, your ELP will be closed.
Other payments
You can also make other payments (we are talking about exceptional payments) in addition to periodic payments.
You choose the amount of these payments, but they must not result in the ELP ceiling being exceeded.
The maximum amount you can pay into the ELP is €61,200.
The balance of the ELP may exceed this limit as a result of the addition of interest.
The interest rate ELP is set at account opening.
It is to:
- 1.75% for ELPs open from 1er January 2025,
- 2.25% for ELPs open between 1er January 2024 and December 31, 2024,
- 2% for ELPs open between 1er January 2023 and December 31, 2023,
- 1% for ELPs open between 1er August 2016 and December 31, 2022.
Interest is calculated fortnightly. Interest for the first fortnight is calculated on the 16th of the month, and interest for the second fortnight is calculated on the 1ster of the following month.
Interest is capitalizable. This means that on December 31 of each year, interest is added to the capital already saved to produce additional interest the following year.
Since 2018, interest earned from the ELP is subject to income tax and social levies.
When interest is paid, the banking institution must first make a non-chargeable flat-rate direct debit of 12.8%, which is an income tax deposit.
The following year, you must take out a tax return that will allow the tax authorities to calculate your final tax.
The administration will apply the single flat-rate levy your income from movable capital, including your ELP interests.
This levy corresponds to income tax, up to 12.8%and social security contributions, up to 17.2%.
But you can opting for the application of the progressive income tax scale. This option to be applied the progressive income tax scale is irrevocable and applies to all your movable income.
In this case, all your income from movable capital will be taxed according to the composition of your tax household and according to your overall income.
Your income tax rate may be lower or higher than the flat rate of 12.8%.
You will then be able to pay a tax supplement or, on the contrary, receive a refund from the administration.
The rate of social security contributions will always be 17.2%.
FYI
the bank must provide you with a statement each year that indicates the amount of interest generated by your ELP and the amount of the non-withholding lump sum that it has made.
The ELP is concluded for a minimum duration of 4 years.
After 4 years, the ELP can be extended from year to year until the maximum duration of 10 years since it opened.
The bank must inform you each year one month before the anniversary date of the plan and you must respond within 5 working days.
The extension entails the continuation of the plan under the same conditions as at the opening.
Beyond 10 yearsHowever, you can no longer make payments on the ELP, but it will continue to earn interest at the rate fixed by the contract for a maximum of 5 years.
After 15 years of existence, your PEL is automatically converted into a regular savings account. It continues to earn interest, but at a rate freely fixed by the bank and not at the rate fixed in the contract.
When the plan expires, you can apply for a loan or transfer your loan entitlements to a family member.
You can withdraw money from the ELP, but after the plan's due date.
The maturity date of the contract may be the original maturity date or the maturity date set after the extension of the contract.
The initial maturity date of the ELP is 4e anniversary of account opening.
In case of extension of the contract after the 4the birthday, the due date shall be moved to the next anniversary date.
Thus, the due date may be 5e, on 6e, on 7e, on 8e, on 9e or the 10e anniversary of account opening.
Early withdrawal is the withdrawal that is made before the ELP expires.
It causes the account to close.
Early withdrawal can lead to other consequences, which vary depending on when the withdrawal is made.
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Before 2 years
After closing, interest will be recalculated at CEL rate in force at the balance sheet date and you will not be able to benefit from a home savings loan.
Between 2 and 3 years
After closing, you will keep the benefit of the PEL rate of pay, but you will not be able to benefit from a home savings loan.
Between 3 and 4 years
After closing, you will keep the benefit of the PEL rate of remuneration for 3 years, but you will not be able to benefit from the maximum amount of home savings loan.
After 4 years
Withdrawal after the 4th year of the ELP does not incur penalties, and you retain your loan rights for 1 year.
When your ELP has run its course, you can get a home purchase savings loan with certain conditions.
The home purchase savings loan can be used to carry out one of the following operations:
- Purchase of your principal residence (in the new or in the old)
- Construction of your principal residence (purchase of the land and construction work)
- Extension jobs (for example, elevation) of your primary residence
- Thermal insulation work your main residence (installation of shutters, double glazing or double windows; insulation of walls, floors or ceilings under roof and facade walls; installation of joints or appliances on air vents or openings)
- Heating Improvement Works of your main residence (installation of thermostatic taps; replacement of boilers or renewal of burners; insulation of the installation; equipment allowing measurement, regulation of heating and better distribution of costs between users of a collective heating according to the consumption of each)
- Work to make use of new technologies or energy sources in your main residence (installations using solar energy, including solar water heaters, appliances allowing the use of wood, waste or thermal discharges from other installations, digesters and gas generators, geothermal heating and connection to a heat network, heat pump type techniques...).
- Purchase of shares in SCPI (Real Estate Investment Civil business)
- Financing of premises for commercial or professional use which also includes your primary residence.
The property concerned may be located in metropolitan France or in a Dom.
Warning
The bank may demand immediate repayment of the loan if you ultimately use it to finance a transaction that is not part of the operations prescribed by the regulations.
You can add the loan entitlements generated by a family member's ELP to your own loan entitlements, if both plans have expired.
This requires that the member of your family gives you his or her loan rights.
This can allow you to get a loan of a higher amount.
You can also transfer your loan rights to family members.
If your plan and that of your family member are not domiciled in the same bank, the loan must be granted by the bank that holds the plan with the highest amount of interest earned.
The family members to whom you can assign your loan rights or from whom you can receive loan rights are:
- Your spouse
- Your children or your spouse's children
- Your grandchildren or your spouse's grandchildren
- Your parents or your spouse's parents
- Your grandparents or your spouse's grandparents
- Your siblings and their spouses or your spouse's siblings
- Your nephews and nieces or your spouse's nephews and nieces
- Your uncles and aunts or your spouse's uncles and aunts
The amount of the home savings loan varies depending on the duration of the plan and the interest you have earned, but it cannot exceed €92,000.
The home purchase savings loan can take the form of a home loan or a work loan, which is a consumer credit.
It is a consumer credit if the amount of the loan is less than or equal to €75,000, and a mortgage if the amount of the loan is greater than €75,000.
The loan rate is set as soon as the plan is opened.
It is to:
- 2.95% open from 1er January 2025
- 3.45% for ELPs open from 1er January 2024
- 3.2% for ELPs open between 1er January 2023 and December 31, 2023
- 2.2% for ELPs open between 1er January 2018 and December 31, 2022
PELs open from 1er January 2018 no longer entitles to the State premium.
It is possible to transfer your ELP to another bank while retaining the advantages acquired in the old bank: seniority of the plan, interest rates and loan entitlements.
But the bank that owns the ELP can refuse the transfer.
In this case, you need to close the old PEL and open a new one with the new bank.
If the bank holding the ELP accepts the transfer, it may charge you a transfer fee. These fees vary from one establishment to another.
It is also possible to transfer your ELP to a family member (child, grandchild, but also spouse, brother, sister, mother, father, uncle, aunt, nephew, niece…).
But the person you are transferring the plan to does not need to already have an ELP.
The situation varies depending on whether the ELP is under 10 years old or over 10 years old.
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The ELP is less than 10 years old
The death of the ELP holder shall in principle lead to the closure of the plan.
But an heir of the holder can take over the plan if the ceiling is not yet reached.
The heir who takes over the ELP must undertake to respect all the commitments of the deceased (make periodic payments).
An heir who already had an ELP opened in his name before the death may keep it at the same time as the one he received by succession.
FYI
if no heir takes over the ELP, the ELP is closed.
The ELP is more than 10 years old
The PEL which has come to an end on the death of the holder is closed and its amount is shown on the assets of the estate.
The ELP may be subject to a third-party administrative seizure.
The ELP may also be subject to a seizure-assignment.
You can decide to close your PEL at any time, but the bank can also close your PEL in some cases.
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Closing at your initiative
If you wish to close your ELP, you must apply to the bank, according to the procedure laid down in the contract: by email, by post or on site.
The closing of the ELP can cause you to lose some of the benefits related to the plan: capitalization of interest, rights to home loan savings...
Closure at the initiative of the bank
The bank can close your ELP if you do not comply with the terms of the plan.
The bank can close your PEL if you do not make the required periodic payments, or if the total of these periodic payments does not reach the amount of €540 per year.
The bank can also close your PEL if you make a withdrawal before 3e anniversary of the plan's opening date.
The bank can also close your PEL if the account balance exceeds the regulatory limit of €61,200.
When the bank is informed of the death of the owner of the home savings plan, it must close the plan, as well as all accounts in the name of the deceased person. But if the ELP has less 10 years old, it can be taken over by one of the heirs.
Since November 13, 2025, the law provides for 3 cases of gratuitousness for transactions related to the succession. In other cases, inheritance fees are now capped at all banks for deposit and booklet accounts.
The bank may charge you fees for the steps it takes in the context of the succession (inventory of funds, transfer of money to heirs,...).
The amount of the fee is capped at 1% the total balance of the deceased's accounts and savings products. This amount cannot exceed €850.
Warning
The bank cannot not charge you fees in one of the following 3 situations:
- The account holder was a minor
- The total balance of the deceased's accounts and savings products is less than €5,910
- The heirs present at the bank an act of notoriety or a signed attestation of all and transactions related to the estate have no obvious complexity.
Open before 2018
No. You have the right to a single ELP. It is forbidden to hold multiple PELs at the same time.
There may be several ELPs in your tax home, but within the limit of one ELP per household member.
Yes, you can accumulate the ELP with other regulated savings products (booklet A, sustainable and solidarity development booklet, popular savings accountetc.).
FYI
If you already have a home savings account (CEL), you must subscribe to the ELP in the bank where you already have the CEL.
You must pay a minimum amount of €540 over the course of a year.
You must make periodic payments, the amount of which is set by the contract as follows:
- €45 per month
- or €135 by quarter
- or €270 by semester
You can also make other payments in addition to periodic payments.
You can no longer make a payment when the ceiling is reached.
The maximum amount you can pay into the ELP is €61,200.
The balance of the ELP may exceed this limit as a result of the addition of interest.
The rate of pay is fixed at the opening of the ELP.
Opening date | Rate |
|---|---|
July 1999 to May 2000 | 2.61% |
Between June 2000 and July 2003 | 3.27% |
Between August 2003 and January 2015 | 2.5% |
Between February 2015 and January 2016 | 2% |
Between February 2016 and July 2016 | 1.5% |
From 1er August 2016 to December 31, 2017 | 1% |
Interest is capitalizable. This means that on December 31 of each year, interest is added to the capital already saved to produce additional interest.
Interest from the ELP can be exempt from income tax and social security contributions, according to rules that vary depending on the date of opening and the age of the plan.
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ELP opened before 1 March 2011
Income tax
Interest for the first 12 years of the ELP is exempt from income tax.
From 13e In any given year, interest from the ELP is subject to income tax.
Social levies
Social security contributions for the first 10 years are collected for the first time on the 10the the anniversary of the plan, or at closure, if earlier.
From 11e In each year, social security contributions are levied at the current rate.
The rate of social security contributions, since 1er january 2018, is 17.2% .
ELP open since 1 March 2011
Income tax
Interest for the first 12 years of the ELP is exempt from income tax.
From 13e In any given year, interest from the ELP is subject to income tax.
Social levies
Social security contributions are payable each year on interest.
The rate of social security contributions, since 1er january 2018, is 17.2%.
Minimum duration
The ELP is concluded for a minimum duration of 4 years.
Maximum duration
After 4 years, the ELP can be extended from year to year until the maximum duration of 10 years since it opened.
The bank must inform you one month before the deadline and you must respond within 5 working days.
The extension causes the continuation of the plane under the same conditions as during the opening.
If the contract is extended after 4 years, you can make payments on the ELP until the new maturity date, which cannot exceed 10e anniversary of the plan.
The fate of the expired plan depends on its opening date.
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ELP opened before 1 March 2011
You can no longer make payments beyond 10 years of the plan, but your ELP continues to earn interest at the rate set out in the contract, for an unlimited period.
ELP opened after 1 March 2011
Beyond the 10 years of the planHowever, you can no longer make payments, but your ELP continues to earn interest at the rate set out in the contract for up to 5 years.
After 15 years of existence, your PEL is automatically converted into a regular savings account.
It continues to earn interest, but at a rate freely fixed by the bank and not at the rate fixed in the contract.
You can withdraw money from the ELP, but after the plan's due date.
The maturity date of the contract may be the original maturity date or the maturity date set after the extension of the contract.
The initial maturity date of the ELP is 4e anniversary of account opening.
In case of extension of the contract after the 4the birthday, the due date shall be moved to the next anniversary date.
Thus, the due date may be 5e, on 6e, on 7e, on 8e, on 9e or the 10e anniversary of account opening.
Early withdrawal is the withdrawal that is made before the ELP expires.
It results in account closure and other consequences, which vary depending on when the withdrawal is made.
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Before 2 years
After closing, interest will be recalculated at CEL rate in force at the balance sheet date and you will not be able to benefit from a home savings loan.
Between 2 and 3 years
After closing, you will keep the benefit of the ELP rate of payHowever, you will not be able to benefit from a home savings loan.
Between 3 and 4 years
After closing, you will keep the benefit of the PEL rate of remuneration for 3 years, but you will not be able to benefit from the maximum amount of home savings loan.
For PELs opened before 2018, the amount of the State premium shall be reduced by half.
After 4 years
Withdrawal made after the 4 years of the ELP, does not incur a penalty.
But if the withdrawal is made on a PEL that was opened before the 1er in april 1992, the benefits of the plan are limited to the four-year period.
When your ELP has run its course, you can get a home purchase savings loan with certain conditions.
The loan may be used to carry out different operations following the opening date of the ELP.
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ELP opened before 1 March 2011
The home purchase savings loan can be used to carry out one of the following operations:
- Purchase of your main residence (new or old)
- Construction of your main residence (purchase of land and construction work)
- Work to extend, repair, or improve your main residence (elevation, energy saving, facade renovation of a condominium building...)
- Purchase of shares of Real Estate Investment business (REIT)
- Construction or purchase of a second home (new)
- Renovation or extension of a second home
- Purchase of a leisure or tourist residence
The property concerned can be located in metropolitan France, Guadeloupe, Guyana, Reunion, Martinique, Mayotte.
Warning
The bank may demand immediate repayment of the loan if you ultimately use it to finance a transaction that is not part of the operations prescribed by the regulations.
ELP opened after 1 March 2011
The home purchase savings loan can be used to carry out one of the following operations:
- Purchase of your main residence (new or old)
- Construction of your main residence (purchase of land and construction work)
- Work to extend, repair, or improve your main residence (elevation, energy saving, facade renovation of a condominium building...)
- Purchase of shares of Real Estate Investment business (REIT)
- Construction or purchase of a second home (new)
- Renovation or extension of a second home
- Purchase of a leisure or tourist residence
The property concerned can be located in metropolitan France, Guadeloupe, Guyana, Reunion, Martinique, Mayotte.
Warning
The bank may demand immediate repayment of the loan if you ultimately use it to finance a transaction that is not part of the operations prescribed by the regulations.
You can add the loan entitlements generated by a family member's ELP to your own loan entitlements, if both plans have expired.
This requires that the member of your family gives you his or her loan rights.
This can allow you to get a loan of a higher amount.
You can also transfer your loan rights to family members.
If your plan and that of your family member are not domiciled in the same bank, the loan must be granted by the bank that holds the plan with the highest amount of interest earned.
The family members to whom you can assign your loan rights or from whom you can receive loan rights are:
- Your spouse
- Your children or your spouse's children
- Your grandchildren or your spouse's grandchildren
- Your parents or your spouse's parents
- Your grandparents or your spouse's grandparents
- Your siblings (and their spouses) or your spouse's siblings
- Your nephews and nieces or your spouse's nephews and nieces
- Your uncles and aunts or your spouse's uncles and aunts
The amount of the home savings loan varies depending on the duration of the plan and the interest you have earned, but it cannot exceed €92,000.
The home purchase savings loan can take the form of a home loan or a work loan, which is a consumer credit.
It is a consumer credit if the amount of the loan is less than or equal to €75,000, and a mortgage if the amount of the loan is greater than €75,000.
The loan rate is set as soon as the plan is opened.
It varies according to the date of opening of the plan.
Opening date | Rate |
|---|---|
From 1er July 1985 to May 15, 1986 | 6.45% |
From 16 May 1986 to 6 February 1994 | 6.32% |
From 7 July 1994 to 22 January 1997 | 5.54% |
From 23 January 1997 to 08 June 1998 | 4.80% |
From 9 June 1998 to 25 July 1999 | 4.60% |
From 26 July 1999 to 30 June 2000 | 4.31% |
From 1er July 2000 to July 31, 2003 | 4.97% |
From 1er August 2003 to January 31, 2015 | 4.20% |
From 1er February 2015 to January 31, 2016 | 3.20% |
From 1er February 2016 to July 31, 2016 | 2.70% |
From 1er August 2016 to December 31, 2017 | 2.20% |
In addition to the home savings loan, the PEL opened before 2018 can allow you to to obtain, under certain conditions, a State premium.
This premium may be increased in certain cases.
The surcharge applied to the premium is called surcharge.
If you apply for the government premium, the credit institution that owns your PEL must forward the application to the Business of Finance Management and the Guarantee of Social Access to Property (SGFGAS).
The application must be accompanied by information enabling the administration to verify that you do not hold multiple PELs.
This information includes:
- Your name, first name and date of birth
- The code of your municipality of birth (INSEE code if it is a French municipality)
- The number of your PEL
- The opening date of your PEL
- The amount of the State premium and the amount of the loan
- The closing date of your ELP
- The amount of the surcharge and the number of your dependants (if you apply for the surcharge)
FYI
the State premium and the surcharge are exempt from income tax but taxable for social security contributions.
The credit institution must provide you with the information it has provided to the department responsible for studying the application.
This information is the subject of processing of personal data and it may be held for up to 4 years after the last installment of the State premium has been paid.
You have a right of access to your personal data, and you can request, if necessary, the correction of errors.
But you can not request the erasure of data before the 4-year period.
The conditions for granting the State premium and the surcharge vary according to the date of opening of the ELP.
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ELP open between August 2016 and December 2017
The state premium is paid only if the interest of the ELP entitles you to a mortgage loan of €5,000 minimum.
The amount of the premium shall be 100 % of the interest earned, but shall not exceed €1,000.
The premium is increased according to family expenses.
The mark-up shall be 10% the amount of interest earned, with a maximum of €100 per dependent. The ceiling is raised to €153 when the real estate project financed is an acquisition or construction of a new or old dwelling.
ELP open between February and July 2016
The state premium is paid only if the interest of the ELP entitles you to a mortgage loan of €5,000 minimum.
The amount of the premium corresponds to 2/3 of the interest earned, without exceeding €1,000.
The premium is increased according to family expenses.
The mark-up shall be 10% the amount of interest earned, with a maximum of €100 per dependent. The ceiling is raised to €153 when the real estate project financed is an energy performance project.
ELP open between February 2015 and January 2016
The state premium is paid only if the interest of the ELP entitles you to a mortgage loan of €5,000 minimum.
The amount of the premium corresponds to 50% vested interests, without exceeding €1,000.
The ceiling of the premium shall be increased to €1,525 whether the real estate project financed is an energy performance project.
ELP opened between March 2011 and January 2015
The state premium is paid only if the interest of the ELP entitles you to a mortgage loan of €5,000 minimum.
The amount of the premium corresponds to 40% vested interests, without exceeding €1,000.
As an exception, the premium ceiling is €1,525 when the real estate project financed is construction or thepurchase :
- Eitherof a new dwelling having an overall level of energy performance higher than that required by the regulations in force at the time of application for a building permit,
- Either of an old dwelling with a low level of energy consumption, assessed on the date of signature of the authentic instrument according to a regulatory classification in force on that same date.
ELP open between 13 December 2002 and 28 February 2011
The state premium is paid if the interest of the ELP entitles you to a mortgage, regardless of its amount.
The premium is included in the ELP interest rate. Its amount is capped at €1,525.
The amount of the premium may not be increased.
ELP open until 12 December 2002
The State bonus is paid without conditions.
The premium is included in the ELP interest rate. Its amount is capped at €1,525.
The amount of the premium may not be increased.
It is possible to transfer your ELP to another bank while retaining the advantages acquired in the old bank: seniority of the plan, interest rates and loan entitlements.
But the bank that owns the ELP can refuse the transfer.
In this case, you need to close the old PEL and open a new one with the new bank.
If the bank holding the ELP accepts the transfer, it may charge you a transfer fee. These fees vary from one establishment to another.
It is also possible to transfer your ELP to a family member (child, grandchild, but also spouse, brother, sister, mother, father, uncle, aunt, nephew, niece…).
But the person you are transferring the plan to does not need to already have an ELP.
The situation varies depending on whether the ELP is under 10 years old or over 10 years old.
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The ELP is less than 10 years old
The death of the ELP holder shall in principle lead to the closure of the plan.
But an heir of the holder can take over the plan if the ceiling is not yet reached.
The heir who takes over the ELP must undertake to respect all the commitments of the deceased (make periodic payments).
An heir who already had an ELP opened in his name before the death may keep it at the same time as the one he received by succession.
FYI
if no heir takes over the ELP, the ELP is closed.
The ELP is more than 10 years old
The PEL which has come to an end on the death of the holder is closed and its amount is shown on the assets of the estate.
The ELP may be subject to a third-party administrative seizure.
The ELP may also be subject to a seizure-assignment.
The foreclosure results in the loss of the right to the home savings loan.
You can decide to close your PEL at any time, but the bank can also close your PEL in some cases.
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Closing at your initiative
If you wish to close your ELP, you must apply to the bank, according to the procedure laid down in the contract: by email, by post or on site.
Closure at the initiative of the bank
The bank can close your ELP if you do not comply with the terms of the plan.
The bank can close your PEL if you do not make the required periodic payments, or if the total of these periodic payments does not reach the amount of €540 per year.
The bank can also close your PEL if the account balance exceeds the regulatory limit of €61,200.
When the bank is informed of the death of the owner of the home savings plan, it must close the plan (and all accounts in the name of the deceased person). But if the ELP is less than 10 years old, it can be taken over by one of the heirs.
Since November 13, 2025, the law provides for 3 cases of gratuitousness for transactions related to the succession. In other cases, inheritance fees are now capped at all banks for deposit and booklet accounts.
The bank may charge you fees for the steps it takes in the context of the succession (inventory of funds, transfer of money to heirs,...).
The amount of the fee is capped at 1% the total balance of the deceased's accounts and savings products. This amount cannot exceed €850.
Warning
The bank cannot not charge you fees in one of the following 3 situations:
- The account holder was a minor
- The total balance of the deceased's accounts and savings products is less than €5,910
- The heirs present at the bank an act of notoriety or a signed attestation of all and transactions related to the estate have no obvious complexity.
Who can help me?
Find who can answer your questions in your region
ELP interest rates from 1 January 2025
Credit institution concerned (Article L315-3)
Contract (Article R315-25), beneficiary (Article R315*-26), payments (Article R315*-27) , duration (Article R315*-28), rate (Article R315*-29), closure (Articles R315*-31 and R315*-32)
Exemption from income tax for interest and savings premium (Article 157)
Prudential Supervision and Resolution Authority (ACPR)
Institute for Public Financial Education (IEFP)