Home savings plans (PEL) in Île-de-France, France
Home savings plans (PEL) in Île-de-France, France stood at 32,204.98 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) | |||||||||||
| Île-de-France | 32,204.98 | 32,529.86 | 32,928.89 | 33,218 | 33,567.9 | 33,958.48 | 34,339.43 | 34,725.76 | 34,422.28 | 34,710.77 | |
| Centre-Val de Loire | 7,688.91 | 7,777.96 | 7,888.28 | 7,966.15 | 8,068.65 | 8,193.15 | 8,310.32 | 8,438.06 | 8,359.22 | 8,452.08 |
Understanding home savings plans (PEL) in Île-de-France, France
Regulated housing allocation reserves established within banking branches located across the Île-de-France economic hub gauge the pool of capital restricted for property acquisition. This aggregate sums customer balances bound by distinct statutory holding periods and minimum savings requirements, separating them from ordinary sight deposits and flexible passbooks. The measurement strictly reflects the geographic location of the financial institution maintaining the account, meaning funds mirror the residential banking footprint of this specific capital region rather than the workplace addresses of depositors.
Evaluating structural momentum calls for prioritizing annual growth rates over short-term monthly fluctuations, which can be distorted by bonus interest payments or seasonal liquidity events. Analysts must remain cautious when comparing these balances against local housing loan volumes, as the two metrics follow entirely different contractual lifecycles. Data adjustments occasionally stem from network restructuring among regional banking institutions or the reclassification of expired contracts.
Frequently asked questions
- How is the geographic boundary defined for this series?
- The figures capture balances registered at bank branches physically located within the Île-de-France administrative region.
- Can these funds be withdrawn freely without penalty?
- Early withdrawal typically results in the loss of state bonuses and preferential loan rights, altering the contractual interest rate.
- Why compare annual figures rather than monthly ones?
- Year-on-year observation eliminates distortion caused by fixed annual interest crediting dates and seasonal tax deadlines.