Home savings plans (PEL) in Metropolitan France
Home savings plans (PEL) in Metropolitan France stood at 187,201.63 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) | |||||||||||
| Metropolitan France | 187,201.63 | 189,089 | 191,359.24 | 193,016.77 | 195,135.24 | 197,539.97 | 199,896.26 | 202,309.67 | 200,401.19 | 202,190.11 | |
| 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 |
Understanding home savings plans (PEL) in Metropolitan France
Accumulated household savings tied to regulated home acquisition contracts within the broader mainland territory encapsulate funds locked under specific statutory terms. This metric records the total nominal balances held by resident depositors in specialized accounts designed to facilitate future real estate purchases or construction loans, excluding standard demand deposits and unregulated term accounts. Territorial allocation relies on the location of the branch where the account is opened, capturing the macro-level aggregation across the primary European mainland without separating smaller administrative subdivisions.
Interpreting monthly variations requires accounting for regulatory interest capitalization cycles and shifts in household portfolio preferences away from liquid instruments. Analysts should favor year-on-year comparisons to smooth out predictable annual tax-driven deposit surges while avoiding direct correlations with broader consumer credit aggregates. Revisions to preliminary figures can occur due to late reporting by financial intermediaries or retrospective reclassifications of matured contracts into ordinary savings books.
Frequently asked questions
- What exact financial products make up this metric?
- The series exclusively tracks regulated home savings plans known as Plan d'Épargne Logement, omitting ordinary passbook accounts and standard demand deposits.
- Why might month-on-month figures show sudden jumps?
- Annual interest capitalization dates often produce sharp balance expansions that do not reflect fresh household cash injections.
- Does this series cover overseas territories?
- No, the scope is strictly restricted to the primary European mainland territories of the country.