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From France : 0 810 815 819*
From Abroad : +33 1 55 69 74 54**
press 1 and then 3
Or request a call back from us
New to HSBC
How to open a bank account in France ?
* Cost of a local call from a fixed-line phone in France.
** Cost of a call from abroad.
Features
- Guaranteed interest rate of 1.50 %(1)
- A Government bonus if you take out a mortgage loan
- Highly flexible payments and withdrawals
- Immediate access to your money in case of need
- Special mortgage rates offered after only 18 months of investment(2)
- Minimum initial deposit: € 300
- Minimum additional payments: € 75
- Upper limit: € 15,300(3)
- Lifetime of HSA: no time limit
- Minimum lifetime advised: 18 months for an initial loan request
- Upper limit of the savings bonus: € 1,144 (bonus paid when loan is arranged)
- Maximum credit amount: € 23,000
Eligibility criteria - Who may open an account?
(1) Guaranteed rate on 01/08/2011 (excluding bonus) excluding tax and social security deductions.
(2) See terms and conditions.
(3) Once reached, this threshold may only be exceeded by investing subsequent interest.
- Guaranteed, tax-free interest
- Constant access to your savings
- A flexible way to save
- Special mortgage rates
Guaranteed, tax-free interest
If you open a Compte Epargne Logement, you can save up to € 15,300. You will also benefit from a guaranteed, tax-free interest rate of 1.50 %(1), plus a Government bonus if you subsequently take out a mortgage loan.
Constant access to your savings
With the Compte Epargne Logement, you can make good use of your cash and boost your savings while maintaining immediate access to your money in case of need.
A flexible way to save
Once you have made your initial opening deposit of € 300, you can then make occasional or regular payments (min. € 75) and withdrawals whenever you like, as long as you leave a minimum sum of € 300 in your account.
- If you want to top up your account regularly, you can opt for scheduled payments (monthly, quarterly, 6-monthly)
- If you want to increase your savings when you have funds available, you can make payments at your own pace, whenever it suits you
Special mortgage rates
With the Compte Epargne Logement, you can also fund the property project of your dreams, in other words buy, build or renovate your home or second home, whether you’re a homeowner or tenant.
For CEL opened after 01/03/2011, the prêts épargne logement concern only main homes.
After just 18 months, if the interest you have accrued has already reached a certain level, you can receive a mortgage loan at preferential rates. Depending on the interest accrued and the chosen repayment period (from 2 to 15 years), you could secure a loan of up to € 23,000(2).
HSBC offers a
wide range of mortgage loans
to suit your needs and help to fund the purchasing of your property.
(1) Guaranteed rate on 01/08/2011 (excluding bonus) excluding tax and social security deductions.
(2) The size of the loan depends on the interest accrued over the savings period and the length of the loan. Borrowers have a 10-day cooling off period from the date of the offer's receipt. If the sale depends on the granting of the loan and the loan is refused, the seller must reimburse all payments.
