Home savings plans (PEL) in Hauts-de-France, France
Home savings plans (PEL) in Hauts-de-France, France stood at 13,468.75 EUR million in Jul 2026, according to Banque de France – Webstat (webstat.banque-france.fr). It is one of the indicators in the Bank credit and deposits by territory table (Value · Monthly), with a complete series running from Jun 2007 to Jul 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank credit and deposits by territory table
| Indicator | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | 10-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Home savings plans (PEL) | |||||||||||
| Hauts-de-France | 13,468.75 | 13,602.95 | 13,759.64 | 13,885.57 | 14,048.01 | 14,235.47 | 14,440.38 | 14,618.44 | 14,453.06 | 14,596.34 | |
| Grand Est | 18,412.76 | 18,609.61 | 18,840.12 | 19,015.14 | 19,242 | 19,499.46 | 19,761.53 | 20,038.03 | 19,840.75 | 20,026.75 |
Understanding home savings plans (PEL) in Hauts-de-France, France
Statutory housing savings contracts recorded within banking establishments across the Hauts-de-France region quantify the total accumulated deposits destined for future residential acquisition or building work. The compilation covers exclusively regulated long-term plans requiring continuous contributions, separating them from liquid savings accounts and standard term deposits. Attribution of the monetary volume follows the location of the credit institution's branch holding the contract, meaning cross-border commuters working in the area but banking elsewhere are excluded.
Analyzing this metric requires attention to annual growth rates to bypass distortions caused by scheduled interest crediting and regulatory changes. Comparing these figures directly to local mortgage issuance can mislead analysts, because accumulated savings represent a preparatory phase that often precedes borrowing by several years. Revisions to early estimates are infrequent but can happen when institutions adjust their reporting parameters.
Frequently asked questions
- What differentiates these balances from regular passbooks?
- These accounts involve strict contractual commitment periods and periodic payment rules tied to housing loan eligibility.
- Why is year-on-year comparison preferred over month-on-month?
- Annual comparisons eliminate seasonal interest capitalization effects that otherwise mask underlying savings trends.
- Does the series capture digital-only account holders?
- Digital accounts are mapped based on the administrative location assigned by the managing financial institution.