Housing Savings

The housing savings is a system savings providing access later to a mortgage at a concessionary rate to contribute to the purchase of housing ( loan habitat ) for the main habitat of the person concerned or his family.


In France, the two home savings products are the home savings account (CEL) and the home savings plan (PEL) on the basis of which a bank can grant a home savings loan .


In 2012, the Popular Initiative “for a preferential tax treatment of home savings for the purchase of a home for personal use or the financing of work to save energy or preserve the environment” has been rejected by the people.

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