Housing Savings Account
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Savings Accounts and Books
Housing Savings Account
A solution to finance the acquisition or renovation of your home
Whether you are a homeowner or tenant, finance the real estate project that is close to your heart: acquisition, construction of new housing or improvement of your home.
Guaranteed
Remuneration at a rate of 2% within the savings ceiling of 15,300 euros.Home Loan
The possibility to access a savings loan up to 23,000 euros(5) after 18 months of savings.
More Details
Characteristics of the Housing Savings Account
How your HSA works
Accessible to each family member, major or minor, the Housing Savings Account is an ideal product to build up guaranteed savings.
After an initial minimum deposit of 300 euros on your HSA, you benefit from remuneration at a fixed and guaranteed annual rate of 2%(3) gross.
You build up your savings at your own pace with free or programmed deposits. The minimum amount for each deposit is 75 euros and the amounts deposited on the HSA must not exceed 15,300 euros(4). Once reached, this ceiling can only be exceeded by the capitalization of future interest.
Withdrawals are possible at any time, subject to respecting the minimum balance of 300 euros.
After 18 months of savings, you can obtain, under conditions, a savings loan(1)(2) intended for the acquisition of your main residence or for financing the work to be carried out in it.
Finance your real estate project
Acquisition, construction or renovation
For Housing Savings Accounts (HSA) opened from 01/03/2011, savings loans only concern main residences.
From 18 months of holding an HSA, you have the possibility to obtain a savings loan(1)(2). Depending on the interest earned during the savings phase and the repayment period you plan for your loan (from 2 to 15 years), you can borrow up to 23,000 euros(5).
A member of your family can transfer, under certain conditions, their loan rights to you and you can combine them with yours to obtain a higher loan amount, always within the limit of 23,000 euros.
Likewise, you can transfer, under certain conditions, your loan rights to a family member, but on condition that they hold an HSA opened for at least 18 months or a PEL opened for at least 3 years.