France regulated savings rate: home savings account (CEL)
France regulated savings rate: home savings account (CEL) stood at 1.25% in Oct 2026, according to ECB Data Portal – MFI interest rate statistics (MIR), reported by Banque de France. It is one of the indicators in the Bank interest rates and new loans table (Value · Monthly), with a complete series running from Jan 1966 to Oct 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank interest rates and new loans table
| Indicator | 10-2026 | 09-2026 | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest rates on regulated savings products | |||||||||||
| Home savings account (CEL) | 1.25 | 1.25 | 1.25 | 1 | 1 | 1 | 1 | 1 | 1 | 1.25 | |
| New home savings plans (PEL), excluding State premium | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
Understanding france regulated savings rate: home savings account (CEL)
This metric records the administrative percentage yield established for a traditional retail savings product historically linked to future real estate acquisition financing. The series tracks the baseline remuneration percentage set by regulatory authorities, separating it from long-term home savings plans and standard passbook deposits. It excludes the broader lending rates charged when customers eventually draw down a housing loan associated with the account.
To read this series correctly, analysts must account for the historical nature of the product, as inflows have slowed while newer financial alternatives gained prominence. Month-to-month changes only occur when official decree updates the formula, meaning seasonal adjustments are irrelevant. When comparing this rate with other regulated products, keep in mind its dual purpose of accumulating savings while building future borrowing rights for property purchases.
Frequently asked questions
- What is the primary purpose of this savings instrument?
- It allows depositors to build savings while securing future eligibility for a residential property loan at a predetermined rate.
- How is the remuneration percentage calculated?
- The yield is determined by an official formula tied to short-term money market rates established by authorities.
- Does holding this account guarantee a housing loan?
- It grants the right to request a subsidized housing loan from the holding bank, subject to standard credit assessment.