Interest is delivered during the night of December 31 to January 1 on regulated savings accounts. We take stock.
It is during the end-of-year holidays that the interest on your secure investments – such as the Livret A, the LDDS, the LEP, the PEL or the CEL – is credited by your bank. This interest, calculated throughout the year, appears on your accounts from the night of December 31 to January 1, reports Thanks for the info.
All these investments follow the same principle: interest is generated on the 1st and 16th of each month, depending on the balance present on these dates. For example, if you deposit 100 euros into a Livret A earning 3% on the 30th of the month, your interest will start on the 16th of the following month, for an annual amount of 3 euros.
Livret A and LDDS
With a fixed rate of 3% in 2024, the Livret A and the LDDS make it possible to generate easily calculated interest:
- 1 000 euros deposited all year round produce 30 euros interest.
- At the average balance of 7 000 eurosinterests reach 210 euroset 450 euros pour 15,000 euros saved.
- For booklets on the ceiling of 22 950 eurosthe annual gain climbs to 688,5 euros.
The interest is capitalizable, which means that it is added to the existing balance to generate additional interest the following year, even if the payment ceiling is reached, specifies the specialized media.
LEP
The Popular Savings Booklet (LEP) offers a variable return depending on the time of the year: 6% until January 31, 5% until July 31, then 4% since August.
- Pour 1,000 euros savedthe interest amounts to 47.30 euros over the year.
- With an average balance of 6,500 eurosinterests reach 307,41 eurosand for booklets at the ceiling of 10 000 eurosthey peak at 472,94 euros.
PEL et CEL
Unlike other booklets, the PEL and the CEL are subject to taxation (30% deductions). In 2024:
- 1,000 euros for a PEL report 15,8 euros nets.
- 1,000 euros on a CEL generate 14 euros nets.
The PEL, with a high ceiling of 61,200 euros, however allows a maximum net return of 966,96 eurosagainst 214.2 euros for a CEL with a ceiling of 15,300 euros.
