How it works
The amount you can borrow depends on the interest earned during the plan's savings phase; the loan rate is directly linked to the plan's own rate.
Prodiges & RézilienceCrédit & financement
If you hold a home savings plan (PEL) or account (CEL), you can get a home loan at a rate fixed when the plan was opened, independent of market rates at the time of purchase.
The interest rate and the monthly payment stay the same for the whole loan term: it is the most widely used formula to finance the purchase of a main or secondary residence in France.
Learn more →The zero-interest loan (PTZ) is a state-backed, interest-free loan reserved for first-time buyers, subject to income conditions and the property's geographic zone.
Learn more →A bridge loan lets you finance the purchase of a new property before your current home is actually sold, by advancing all or part of its estimated value.
Learn more →With an interest-only loan, only the interest is repaid each month; the borrowed principal is repaid in one go at the loan's maturity.
Learn more →The amount you can borrow depends on the interest earned during the plan's savings phase; the loan rate is directly linked to the plan's own rate.
Holders of a PEL or CEL open long enough to have earned loan entitlements.
The amount you can borrow through this scheme is generally capped: it most often tops up a main loan rather than replacing it.
An advisor reviews your eligibility and gets back to you within 24 to 48 business hours.