The funds from the regulated savings accounts will be used more to finance the ecological transition.


IStock / City Presse

According to the government, more than 85 billion euros were saved by the French in 2020. Topping the list, the regulated plans such as the livret A, the popular savings book (LEP) and the development booklet sustainable and inclusive (LDDS) are still the most popular with households, with a collection of 30 billion since the start of the year.

The State therefore decided to modify the conditions of loans granted from regulated savings accounts in order to use this money wisely.

The objective: to enable local authorities to finance priority projects, particularly in the context of ecological transition (cleaner transport, production of renewable energy, energy renovation of public buildings, etc.), but also health and tourism. .

Facilitated financing

In concrete terms, a dedicated loan envelope of around 12 billion euros was made available to local authorities by the Banque des Territoires as of September 20.

It is now accessible to new entities, such as water agencies, large foundations and other associations recognized as being of public utility which carry out projects linked to ecological and energy transition.

The latter can thus borrow from the savings fund at an attractive rate and within the limit of an increased financing ceiling, all over a particularly long period (up to sixty years for a loan to local authorities).

This change does not change anything for households holding a livret A, a LEP or an LDDS, who continue to benefit from a total guarantee of the sums saved by the State.

But even if it means letting his money sleep on these low-paying accounts, as much as they are used to finance the country's ecological transition.


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