2023-12-15 15:00:00
Uslight revaluation. This Friday, December 15, the government formalized the increase in the remuneration rate for new housing savings plans (PEL). This rate, which will be set at 2.25% gross compared to 2% until now, will only apply to new PELs opened from January 2024.
As a reminder, the PEL is a hybrid product: it is used to build up savings intended for the purchase of real estate or the carrying out of work, then to finance this project. It therefore displays two rates: a first defining the remuneration of the savings deposited there (2% gross in 2023, 2.25% therefore from 2024) and a second blocking a borrowing rate, of 1.20 higher point, at 3.45% therefore.
At the end of 2022, the number of PELs stood at 11.3 million, according to data from the Banque de France, for a total outstanding amount of 288 billion euros. The new rate will only concern PELs opened in 2024. Unlike those of other regulated products, such as the Livret A, the rates of a PEL remain in effect those in force on the day of signature, allowing the holder to “block » a rate for the next 15 years. The scope of housing savings plans (PEL) has evolved significantly this year, with an expansion to the financing of energy renovation work on buildings.
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