Open a Housing Savings Scheme (PEL)
Everyone, whatever their age, can open a Housing Savings Scheme (PEL). Each member of the family can have one, but the Scheme is limited to one per person.
A bonus from the government, net of tax and an advantageous rate
Thanks to your efforts to safe over 4 years, you can receive a bonus from the government (up to 1 500 €) and benefit from a loan on particularly interesting terms.
The rate* of interest on your loan remains fixed throughout its duration.
Minimal amount
The first deposit is 225 € to which is added monthly deposits of 45 € minimum.
An advisor at your disposal
Do not hesitate to consult your branch. An advisor is waiting to see you. He is your special contact and his knowledge enables him to give a personalised approach to your projects and the answers adapted to you situation.
Anticipate
It is the best way to help a child or grandchild to set themselves up in life.
Even without a project, in short or medium term, opening a Housing Savings Scheme is a safe and intelligent way of preparing the future.
A safe investment
You don't have a property project?
The Housing Savings Scheme is still a safe investment for your savings and above all, it gives you the opportunity, when it reaches its term, to hand on your rights to one of your relations, if he or she is also a member of a Housing Savings Scheme.
All your property projects
Thanks to your Housing Savings Scheme, you can also finance the acquisition of:
• a building plot and the construction of a house
• a main residence (apartment, or new or old house)
• accommodation to rent out
• a new second home
... or even carry out home improvements.
Duration
You choose the duration of the repayment, between 2 and 15 years, in relation to your means.
Acumulation
Several Housing Savings Schemes and Housing Savings Accounts for one family can be accumulated in order to obtain a larger bank loan (within the limit of 92 000 €).
Up to 92 000 €
The amount of your load is determined by the amount of interest acquired during the savings phase. The greater the amount you have saved, the better the terms of your loan.
Rapidity
From the third year, you have the possibility of borrowing at advantageous terms, but your Government bonus is reduced by half.
Availability
In case of necessity, you can use, before their term, the funds deposited in the Scheme.
Flexibility
At any time you can :
• increase or decrease the amount of your deposits
• change the period
• carry our exceptional deposits
Periods
It is you who decide, in relation to your means, the amount of your monthly, quarterly or half-yearly deposits. |
