The interest rate on new home savings plans (PELs) signed from the beginning of next year will be 2%, compared to 1,75% currently, according to a notice published Saturday, December 20 in the Official Journal.
The new rate will only apply to PELs opened in 2026. Unlike other regulated products such as the Livret A savings account, the rates on a PEL remain those in effect on the day it was signed, allowing the holder to "lock in" a rate for the next 15 years. Only PELs opened before March 1, 2011, can be maintained indefinitely.
The PEL is a hybrid product: it is used to build up savings intended for the purchase of real estate or for carrying out work, and then to finance this project.
It therefore displays two rates: a first one defining the remuneration of the savings deposited there, i.e. 2% from next year, and a second one which allows locking in a borrowing rate, higher by 1,20 points, i.e. 3,20%.
Households wishing to open a PEL must make an initial payment of 225 euros, then at least 540 euros per year with a maximum of 61.200 euros.
The rate for the 2025 plan had been reduced to 1,75% after two successive increases. Home savings plans (PELs) opened since January 1, 2024, benefit from an interest rate of 2,25%, compared to 2% for those opened in 2023, and 1% between August 2016 and the end of 2022.
The PEL is the second largest regulated savings product in terms of outstanding balances, after the Livret A, with outstanding balances of 207,1 billion euros in June 2025, according to figures from the Bank of France.
Illustrative image of the article via Depositphotos.com.
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