France resident household home savings plan deposits
France resident household home savings plan deposits stood at 185,000 EUR million in Aug 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 2003 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank interest rates and new loans table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Outstanding savings deposits | |||||||||||
| Home savings plans of resident households | 185,000 | 186,000 | 188,000 | 190,000 | 192,000 | 195,000 | 197,000 | 200,000 | 199,000 | 200,000 | |
| Regulated passbook accounts of the resident non-financial sector | 722,000 | 721,000 | 721,000 | 723,000 | 724,000 | 725,000 | 726,000 | 727,000 | 728,000 | 712,000 |
Understanding france resident household home savings plan deposits
The metric records the aggregate nominal volume of funds locked into multi-year home savings plans by resident households across the domestic banking system. The series aggregates total accumulated balances in euros dedicated to these specific housing contracts, separating them from liquid passbook savings and corporate deposits. It excludes standard mortgage loans, consumer credit balances, and unregulated retail investment products.
Evaluating this balance sheet series requires recognizing the structural stickiness of these funds, as early withdrawals result in plan termination and loss of accrued benefits. Monthly changes reflect the net balance of new plan formations minus natural maturities and penalty-driven closures. Comparing this volume with liquid passbook deposits illustrates the long-term capital immobilization undertaken by households anticipating future property acquisitions.
Frequently asked questions
- Who is permitted to hold these home savings plan deposits?
- The accounts are restricted to resident retail households building capital for future property transactions.
- Why do these deposit volumes exhibit high stability over time?
- The multi-year contractual nature and withdrawal penalties discourage short-term capital flight from these plans.
- Does this series include the loans granted through the savings plans?
- No, this metric counts only the accumulated deposit liabilities, not the credit facilities extended subsequently.