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Par ailleurs, depuis octobre 2020 (décret d'application de la loi Sapin II), les détenteurs d'un LDDS peuvent effectuer un ",{"type":33,"tag":47,"props":825,"children":826},{},[827],{"type":39,"value":828},"don volontaire à des structures de l'ESS",{"type":39,"value":830}," directement depuis leur livret — mais c'est une option facultative, pas une affectation automatique des fonds.",{"type":33,"tag":81,"props":832,"children":833},{},[834],{"type":33,"tag":41,"props":835,"children":836},{},[837],{"type":39,"value":838},"Cette possibilité de don à l'ESS et la finalité énergétique du LDDS en font un choix complémentaire pour les épargnants sensibles à l'impact de leur épargne.",{"type":33,"tag":106,"props":840,"children":841},{},[],{"type":33,"tag":110,"props":843,"children":845},{"id":844},"dans-quel-ordre-ouvrir-ses-livrets-réglementés",[846],{"type":39,"value":847},"Dans quel ordre ouvrir ses livrets réglementés ?",{"type":33,"tag":41,"props":849,"children":850},{},[851],{"type":39,"value":852},"La stratégie optimale dépend de votre éligibilité au LEP :",{"type":33,"tag":541,"props":854,"children":856},{"id":855},"si-vous-êtes-éligible-au-lep-revenus-sous-plafond",[857],{"type":39,"value":858},"Si vous êtes éligible au LEP (revenus sous plafond)",{"type":33,"tag":571,"props":860,"children":861},{},[862,872,882],{"type":33,"tag":474,"props":863,"children":864},{},[865,870],{"type":33,"tag":47,"props":866,"children":867},{},[868],{"type":39,"value":869},"LEP en priorité absolue",{"type":39,"value":871}," → 2,5 % net jusqu'à 10 000 € (47 % de rendement de plus que le Livret A à 1,7 %)",{"type":33,"tag":474,"props":873,"children":874},{},[875,880],{"type":33,"tag":47,"props":876,"children":877},{},[878],{"type":39,"value":879},"Livret A ensuite",{"type":39,"value":881}," → 22 950 € (plafond le plus élevé parmi les deux livrets à 1,7 %)",{"type":33,"tag":474,"props":883,"children":884},{},[885,890],{"type":33,"tag":47,"props":886,"children":887},{},[888],{"type":39,"value":889},"LDDS enfin",{"type":39,"value":891}," → 12 000 € complémentaires au même taux",{"type":33,"tag":41,"props":893,"children":894},{},[895,900],{"type":33,"tag":47,"props":896,"children":897},{},[898],{"type":39,"value":899},"Total maximum pour un épargnant éligible au LEP :",{"type":39,"value":901}," 44 950 € à taux réglementé par personne.",{"type":33,"tag":541,"props":903,"children":905},{"id":904},"si-vous-nêtes-pas-éligible-au-lep",[906],{"type":39,"value":907},"Si vous n'êtes pas éligible au LEP",{"type":33,"tag":571,"props":909,"children":910},{},[911,921],{"type":33,"tag":474,"props":912,"children":913},{},[914,919],{"type":33,"tag":47,"props":915,"children":916},{},[917],{"type":39,"value":918},"Livret A en priorité",{"type":39,"value":920}," → plafond plus élevé (22 950 €)",{"type":33,"tag":474,"props":922,"children":923},{},[924,929],{"type":33,"tag":47,"props":925,"children":926},{},[927],{"type":39,"value":928},"LDDS ensuite",{"type":39,"value":930}," → 12 000 € complémentaires",{"type":33,"tag":41,"props":932,"children":933},{},[934,936,941],{"type":39,"value":935},"Pour une épargne au-delà de ",{"type":33,"tag":47,"props":937,"children":938},{},[939],{"type":39,"value":940},"34 950 € par personne",{"type":39,"value":942},", les livrets réglementés sont épuisés. Il faut se tourner vers l'assurance-vie fonds euros, le PEA ou d'autres placements pour valoriser l'excédent.",{"type":33,"tag":81,"props":944,"children":945},{},[946],{"type":33,"tag":41,"props":947,"children":948},{},[949,951,956,958,965,966],{"type":39,"value":950},"Comparez en un clic : ",{"type":33,"tag":95,"props":952,"children":954},{"href":97,"rel":953},[99],[955],{"type":39,"value":102},{"type":39,"value":957}," · ",{"type":33,"tag":95,"props":959,"children":962},{"href":960,"rel":961},"https://estimateur.net/simulateurs/estimation-rendement-livret-a",[99],[963],{"type":39,"value":964},"simulateur Livret A",{"type":39,"value":957},{"type":33,"tag":95,"props":967,"children":970},{"href":968,"rel":969},"https://estimateur.net/simulateurs/estimation-rendement-livret-lep",[99],[971],{"type":39,"value":972},"simulateur LEP",{"type":33,"tag":106,"props":974,"children":975},{},[],{"type":33,"tag":110,"props":977,"children":979},{"id":978},"comment-sont-calculés-les-intérêts-du-ldds",[980],{"type":39,"value":981},"Comment sont calculés les intérêts du LDDS ?",{"type":33,"tag":41,"props":983,"children":984},{},[985,987,992],{"type":39,"value":986},"Les intérêts du LDDS sont calculés par ",{"type":33,"tag":47,"props":988,"children":989},{},[990],{"type":39,"value":991},"quinzaine",{"type":39,"value":993},", comme tous les livrets réglementés :",{"type":33,"tag":470,"props":995,"children":996},{},[997,1009,1020],{"type":33,"tag":474,"props":998,"children":999},{},[1000,1002,1007],{"type":39,"value":1001},"Un ",{"type":33,"tag":47,"props":1003,"children":1004},{},[1005],{"type":39,"value":1006},"dépôt effectué avant le 1er",{"type":39,"value":1008}," du mois produit des intérêts à partir du 1er",{"type":33,"tag":474,"props":1010,"children":1011},{},[1012,1013,1018],{"type":39,"value":1001},{"type":33,"tag":47,"props":1014,"children":1015},{},[1016],{"type":39,"value":1017},"dépôt entre le 1er et le 15",{"type":39,"value":1019}," ne produit des intérêts qu'à partir du 16",{"type":33,"tag":474,"props":1021,"children":1022},{},[1023,1024,1029],{"type":39,"value":1001},{"type":33,"tag":47,"props":1025,"children":1026},{},[1027],{"type":39,"value":1028},"dépôt après le 16",{"type":39,"value":1030}," attend le 1er du mois suivant",{"type":33,"tag":41,"props":1032,"children":1033},{},[1034],{"type":39,"value":1035},"Même logique pour les retraits : un retrait avant le 16 du mois fait perdre la quinzaine entière.",{"type":33,"tag":41,"props":1037,"children":1038},{},[1039,1044],{"type":33,"tag":47,"props":1040,"children":1041},{},[1042],{"type":39,"value":1043},"À retenir pour maximiser vos intérêts :",{"type":39,"value":1045}," déposez avant le 1er ou avant le 16 du mois. Retirez après le 1er ou après le 16.",{"type":33,"tag":41,"props":1047,"children":1048},{},[1049,1051,1056],{"type":39,"value":1050},"Les intérêts acquis sont capitalisés et versés une fois par an, le ",{"type":33,"tag":47,"props":1052,"children":1053},{},[1054],{"type":39,"value":1055},"31 décembre",{"type":39,"value":1057},".",{"type":33,"tag":106,"props":1059,"children":1060},{},[],{"type":33,"tag":110,"props":1062,"children":1064},{"id":1063},"faq-ldds-vs-livret-a",[1065],{"type":39,"value":1066},"FAQ — LDDS vs Livret A",{"type":33,"tag":541,"props":1068,"children":1070},{"id":1069},"quelle-est-la-différence-principale-entre-ldds-et-livret-a",[1071],{"type":39,"value":1072},"Quelle est la différence principale entre LDDS et Livret A ?",{"type":33,"tag":41,"props":1074,"children":1075},{},[1076,1078,1083],{"type":39,"value":1077},"La différence principale est le ",{"type":33,"tag":47,"props":1079,"children":1080},{},[1081],{"type":39,"value":1082},"plafond de dépôt",{"type":39,"value":1084}," : 12 000 € pour le LDDS contre 22 950 € pour le Livret A. Le taux (1,7 %), la fiscalité (exonération totale) et la liquidité (retrait immédiat) sont strictement identiques. L'autre différence concerne les conditions d'ouverture : le Livret A est accessible à tous dès la naissance, le LDDS est réservé aux majeurs fiscalement domiciliés en France.",{"type":33,"tag":541,"props":1086,"children":1088},{"id":1087},"peut-on-avoir-à-la-fois-un-livret-a-et-un-ldds",[1089],{"type":39,"value":1090},"Peut-on avoir à la fois un Livret A et un LDDS ?",{"type":33,"tag":41,"props":1092,"children":1093},{},[1094,1099,1101,1105],{"type":33,"tag":47,"props":1095,"children":1096},{},[1097],{"type":39,"value":1098},"Oui, et c'est conseillé.",{"type":39,"value":1100}," Vous pouvez détenir simultanément un Livret A (22 950 €) et un LDDS (12 000 €), dans la même banque ou dans des établissements différents. Le cumul porte l'épargne réglementée défiscalisée à ",{"type":33,"tag":47,"props":1102,"children":1103},{},[1104],{"type":39,"value":940},{"type":39,"value":1106},", 69 900 € pour un couple.",{"type":33,"tag":541,"props":1108,"children":1110},{"id":1109},"quel-est-le-taux-du-ldds-en-2026",[1111],{"type":39,"value":1112},"Quel est le taux du LDDS en 2026 ?",{"type":33,"tag":41,"props":1114,"children":1115},{},[1116,1118,1122],{"type":39,"value":1117},"Le taux du LDDS est de ",{"type":33,"tag":47,"props":1119,"children":1120},{},[1121],{"type":39,"value":344},{"type":39,"value":1123},", identique au Livret A. Il est réglementé et s'applique dans toutes les banques sans exception — il n'existe pas de taux préférentiel ni de prime de fidélité sur un produit réglementé.",{"type":33,"tag":541,"props":1125,"children":1127},{"id":1126},"quel-est-le-plafond-du-ldds-en-2026",[1128],{"type":39,"value":1129},"Quel est le plafond du LDDS en 2026 ?",{"type":33,"tag":41,"props":1131,"children":1132},{},[1133,1135,1139],{"type":39,"value":1134},"Le plafond de dépôt du LDDS est de ",{"type":33,"tag":47,"props":1136,"children":1137},{},[1138],{"type":39,"value":197},{"type":39,"value":1140}," (hors intérêts capitalisés). Les intérêts versés le 31 décembre peuvent porter le solde au-delà de ce seuil légalement.",{"type":33,"tag":541,"props":1142,"children":1144},{"id":1143},"qui-peut-ouvrir-un-ldds",[1145],{"type":39,"value":1146},"Qui peut ouvrir un LDDS ?",{"type":33,"tag":41,"props":1148,"children":1149},{},[1150,1152,1157,1159,1164],{"type":39,"value":1151},"Toute personne ",{"type":33,"tag":47,"props":1153,"children":1154},{},[1155],{"type":39,"value":1156},"majeure (18 ans ou plus)",{"type":39,"value":1158}," et ",{"type":33,"tag":47,"props":1160,"children":1161},{},[1162],{"type":39,"value":1163},"fiscalement domiciliée en France",{"type":39,"value":1165}," peut ouvrir un LDDS. Il est interdit aux mineurs et aux non-résidents fiscaux. Un seul LDDS est autorisé par personne.",{"type":33,"tag":541,"props":1167,"children":1169},{"id":1168},"ldds-ou-livret-a-lequel-choisir-en-2026",[1170],{"type":39,"value":1171},"LDDS ou Livret A : lequel choisir en 2026 ?",{"type":33,"tag":41,"props":1173,"children":1174},{},[1175,1177,1182],{"type":39,"value":1176},"Les deux livrets offrent le même taux (1,7 %) et la même sécurité. Le choix n'est donc pas \"l'un ou l'autre\" mais ",{"type":33,"tag":47,"props":1178,"children":1179},{},[1180],{"type":39,"value":1181},"dans quel ordre les ouvrir",{"type":39,"value":1183},". Commencez toujours par le Livret A (plafond 22 950 €), puis ouvrez un LDDS pour les 12 000 € suivants. Si vous êtes éligible au LEP, priorisez-le en premier (taux 2,5 %). En pratique, un épargnant adulte domicilié en France a intérêt à détenir les deux simultanément.",{"type":33,"tag":541,"props":1185,"children":1187},{"id":1186},"quel-est-le-rendement-du-ldds-en-2026",[1188],{"type":39,"value":1189},"Quel est le rendement du LDDS en 2026 ?",{"type":33,"tag":41,"props":1191,"children":1192},{},[1193,1195,1200,1202,1207],{"type":39,"value":1194},"Au taux actuel de 1,7 %, le rendement annuel du LDDS est de ",{"type":33,"tag":47,"props":1196,"children":1197},{},[1198],{"type":39,"value":1199},"204 € nets pour un LDDS au plafond (12 000 €)",{"type":39,"value":1201},", entièrement exonéré d'impôt et de prélèvements sociaux. Pour 6 000 €, comptez 102 € par an. Calculez votre propre rendement avec notre ",{"type":33,"tag":95,"props":1203,"children":1205},{"href":97,"rel":1204},[99],[1206],{"type":39,"value":102},{"type":39,"value":1057},{"type":33,"tag":541,"props":1209,"children":1211},{"id":1210},"quelle-différence-entre-ldds-et-ldd",[1212],{"type":39,"value":1213},"Quelle différence entre LDDS et LDD ?",{"type":33,"tag":41,"props":1215,"children":1216},{},[1217,1222,1224,1228,1230,1235,1237,1242],{"type":33,"tag":47,"props":1218,"children":1219},{},[1220],{"type":39,"value":1221},"Aucune.",{"type":39,"value":1223}," Le LDD (Livret de Développement Durable) a été renommé ",{"type":33,"tag":47,"props":1225,"children":1226},{},[1227],{"type":39,"value":51},{"type":39,"value":1229}," (Livret de Développement Durable et Solidaire) par la ",{"type":33,"tag":47,"props":1231,"children":1232},{},[1233],{"type":39,"value":1234},"loi Sapin II (n° 2016-1691 du 9 décembre 2016)",{"type":39,"value":1236},", avec un renommage effectif au ",{"type":33,"tag":47,"props":1238,"children":1239},{},[1240],{"type":39,"value":1241},"1er janvier 2017",{"type":39,"value":1243},". Si vous possédez un ancien LDD, c'est donc bien un LDDS depuis cette date — aucune démarche à effectuer de votre côté.",{"type":33,"tag":541,"props":1245,"children":1247},{"id":1246},"le-ldds-est-il-garanti-par-létat",[1248],{"type":39,"value":1249},"Le LDDS est-il garanti par l'État ?",{"type":33,"tag":41,"props":1251,"children":1252},{},[1253,1258],{"type":33,"tag":47,"props":1254,"children":1255},{},[1256],{"type":39,"value":1257},"Oui.",{"type":39,"value":1259}," Comme le Livret A, le LDDS est un produit réglementé garanti par l'État français. Votre capital ne peut pas perdre de valeur, quelle que soit la santé financière de votre établissement bancaire.",{"type":33,"tag":541,"props":1261,"children":1263},{"id":1262},"vaut-il-mieux-ldds-ou-assurance-vie-pour-une-épargne-35-000",[1264],{"type":39,"value":1265},"Vaut-il mieux LDDS ou assurance-vie pour une épargne > 35 000 € ?",{"type":33,"tag":41,"props":1267,"children":1268},{},[1269,1271,1276],{"type":39,"value":1270},"Pour une épargne au-delà du plafond cumulé Livret A + LDDS (34 950 €), les deux produits ne se comparent pas sur les mêmes critères. Le LDDS (comme le Livret A) est ",{"type":33,"tag":47,"props":1272,"children":1273},{},[1274],{"type":39,"value":1275},"sans risque, immédiatement disponible et sans durée minimale",{"type":39,"value":1277}," — idéal pour l'épargne de précaution. L'assurance-vie fonds euros offre souvent un rendement légèrement supérieur (~2–2,5 % en 2026) mais avec une disponibilité plus contrainte et des frais de gestion. Pour un horizon long terme (> 8 ans), les unités de compte en assurance-vie ou le PEA peuvent surperformer significativement. 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Gains supplémentaires calculés, impact sur LDDS et Livret Jeune, et point sur le LEP.","2026-07-18",[1397,1398,1399,1400,17],"taux livret A 2026","nouveau taux livret A","hausse livret A août 2026","livret A 1,7%",4,{"title":1403,"path":1404,"icon":1405},"Simulateur Livret A","/simulateurs/estimation-rendement-livret-a","💰",[1407,1408,1409,1410],"Le taux du Livret A est relevé à 1,7 % dès le 1er août 2026 (contre 1,5 % depuis février) — la hausse s'applique automatiquement sans aucune démarche à effectuer.","Sur un Livret A au plafond (22 950 €), le gain annuel supplémentaire est de 46 € : 390 € à 1,7 % contre 344 € à 1,5 %. Pour 10 000 €, comptez 20 €/an de plus.","Le LDDS et le Livret Jeune suivent automatiquement la même révision. Le taux du LEP reste inchangé à 2,5 % — il conserve 0,8 point d'avance sur le Livret A.","Le taux à 1,7 % reste modeste face à l'inflation — pour une épargne longue durée, mieux vaut combiner Livret A (précaution) et placements plus dynamiques (PEA, assurance-vie).",{"type":30,"children":1412,"toc":2211},[1413,1419,1438,1443,1446,1452,1563,1582,1585,1591,1596,1737,1751,1754,1760,1772,1795,1800,1808,1906,1909,1915,1932,1949,1952,1958,1976,1988,2002,2005,2011,2023,2031,2064,2081,2084,2090,2096,2107,2113,2123,2129,2139,2145,2164,2170,2179,2185,2194,2197],{"type":33,"tag":34,"props":1414,"children":1416},{"id":1415},"taux-livret-a-août-2026-hausse-à-17-ce-que-vous-gagnez-de-plus",[1417],{"type":39,"value":1418},"Taux Livret A août 2026 : hausse à 1,7 % — ce que vous gagnez de plus",{"type":33,"tag":41,"props":1420,"children":1421},{},[1422,1424,1429,1431,1436],{"type":39,"value":1423},"Le gouvernement vient d'annoncer la hausse du taux du Livret A au ",{"type":33,"tag":47,"props":1425,"children":1426},{},[1427],{"type":39,"value":1428},"1er août 2026",{"type":39,"value":1430}," : il passe de ",{"type":33,"tag":47,"props":1432,"children":1433},{},[1434],{"type":39,"value":1435},"1,5 % à 1,7 %",{"type":39,"value":1437},", un rebond de 0,2 point après la baisse de février. C'est la première remontée depuis le pic à 3 % atteint en 2023. Bonne nouvelle : cette revalorisation s'applique automatiquement à tous les détenteurs, sans aucune démarche à effectuer.",{"type":33,"tag":41,"props":1439,"children":1440},{},[1441],{"type":39,"value":1442},"Concrètement, qu'est-ce que ça change sur votre épargne ? Combien gagnez-vous de plus par an ? 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Le gouvernement a suivi cette recommandation par arrêté ministériel, comme c'est la règle.",{"type":33,"tag":41,"props":1801,"children":1802},{},[1803],{"type":33,"tag":47,"props":1804,"children":1805},{},[1806],{"type":39,"value":1807},"Contexte historique récent :",{"type":33,"tag":117,"props":1809,"children":1810},{},[1811,1830],{"type":33,"tag":121,"props":1812,"children":1813},{},[1814],{"type":33,"tag":125,"props":1815,"children":1816},{},[1817,1821,1825],{"type":33,"tag":129,"props":1818,"children":1819},{},[1820],{"type":39,"value":376},{"type":33,"tag":129,"props":1822,"children":1823},{},[1824],{"type":39,"value":1487},{"type":33,"tag":129,"props":1826,"children":1827},{},[1828],{"type":39,"value":1829},"Contexte",{"type":33,"tag":147,"props":1831,"children":1832},{},[1833,1849,1865,1881],{"type":33,"tag":125,"props":1834,"children":1835},{},[1836,1840,1844],{"type":33,"tag":154,"props":1837,"children":1838},{},[1839],{"type":39,"value":392},{"type":33,"tag":154,"props":1841,"children":1842},{},[1843],{"type":39,"value":397},{"type":33,"tag":154,"props":1845,"children":1846},{},[1847],{"type":39,"value":1848},"Détente de l'inflation",{"type":33,"tag":125,"props":1850,"children":1851},{},[1852,1856,1860],{"type":33,"tag":154,"props":1853,"children":1854},{},[1855],{"type":39,"value":405},{"type":33,"tag":154,"props":1857,"children":1858},{},[1859],{"type":39,"value":166},{"type":33,"tag":154,"props":1861,"children":1862},{},[1863],{"type":39,"value":1864},"Poursuite de la baisse",{"type":33,"tag":125,"props":1866,"children":1867},{},[1868,1872,1876],{"type":33,"tag":154,"props":1869,"children":1870},{},[1871],{"type":39,"value":417},{"type":33,"tag":154,"props":1873,"children":1874},{},[1875],{"type":39,"value":422},{"type":33,"tag":154,"props":1877,"children":1878},{},[1879],{"type":39,"value":1880},"Point bas",{"type":33,"tag":125,"props":1882,"children":1883},{},[1884,1891,1898],{"type":33,"tag":154,"props":1885,"children":1886},{},[1887],{"type":33,"tag":47,"props":1888,"children":1889},{},[1890],{"type":39,"value":433},{"type":33,"tag":154,"props":1892,"children":1893},{},[1894],{"type":33,"tag":47,"props":1895,"children":1896},{},[1897],{"type":39,"value":166},{"type":33,"tag":154,"props":1899,"children":1900},{},[1901],{"type":33,"tag":47,"props":1902,"children":1903},{},[1904],{"type":39,"value":1905},"Première remontée depuis 2023",{"type":33,"tag":106,"props":1907,"children":1908},{},[],{"type":33,"tag":110,"props":1910,"children":1912},{"id":1911},"ldds-et-livret-jeune-même-hausse-automatique",[1913],{"type":39,"value":1914},"LDDS et Livret Jeune : même hausse, automatique",{"type":33,"tag":41,"props":1916,"children":1917},{},[1918,1919,1923,1925,1930],{"type":39,"value":45},{"type":33,"tag":47,"props":1920,"children":1921},{},[1922],{"type":39,"value":51},{"type":39,"value":1924}," (Livret de Développement Durable et Solidaire) est réglementairement aligné sur le Livret A depuis 2009. Il passe donc lui aussi à ",{"type":33,"tag":47,"props":1926,"children":1927},{},[1928],{"type":39,"value":1929},"1,7 % au 1er août 2026",{"type":39,"value":1931}," sans aucune démarche. Son plafond reste inchangé à 12 000 €.",{"type":33,"tag":41,"props":1933,"children":1934},{},[1935,1936,1941,1943,1947],{"type":39,"value":45},{"type":33,"tag":47,"props":1937,"children":1938},{},[1939],{"type":39,"value":1940},"Livret Jeune",{"type":39,"value":1942}," (pour les 12–25 ans) fonctionne différemment : son taux est libre, mais la loi impose un minimum égal au taux du Livret A. Le plancher légal monte donc de 1,5 % à ",{"type":33,"tag":47,"props":1944,"children":1945},{},[1946],{"type":39,"value":65},{"type":39,"value":1948},". En pratique, la quasi-totalité des banques alignent leur taux Livret Jeune automatiquement.",{"type":33,"tag":106,"props":1950,"children":1951},{},[],{"type":33,"tag":110,"props":1953,"children":1955},{"id":1954},"et-le-lep",[1956],{"type":39,"value":1957},"Et le LEP ?",{"type":33,"tag":41,"props":1959,"children":1960},{},[1961,1962,1967,1969,1974],{"type":39,"value":45},{"type":33,"tag":47,"props":1963,"children":1964},{},[1965],{"type":39,"value":1966},"LEP",{"type":39,"value":1968}," (Livret d'Épargne Populaire) est révisé lors des mêmes échéances que le Livret A, mais par une décision distincte. Bonne nouvelle : le gouvernement a confirmé que son taux ",{"type":33,"tag":47,"props":1970,"children":1971},{},[1972],{"type":39,"value":1973},"reste inchangé à 2,5 %",{"type":39,"value":1975}," au 1er août 2026.",{"type":33,"tag":41,"props":1977,"children":1978},{},[1979,1981,1986],{"type":39,"value":1980},"Le LEP conserve donc son avantage de 0,8 point sur le Livret A (2,5 % contre 1,7 %), soit ",{"type":33,"tag":47,"props":1982,"children":1983},{},[1984],{"type":39,"value":1985},"47 % de rendement supplémentaire",{"type":39,"value":1987}," pour un même capital placé.",{"type":33,"tag":81,"props":1989,"children":1990},{},[1991],{"type":33,"tag":41,"props":1992,"children":1993},{},[1994,1996,2001],{"type":39,"value":1995},"Si vous êtes éligible au LEP (sous conditions de revenus), il reste le livret le plus rémunérateur du marché réglementé — et son avantage sur le Livret A vient même de s'élargir. Simulez vos gains sur notre ",{"type":33,"tag":95,"props":1997,"children":1999},{"href":968,"rel":1998},[99],[2000],{"type":39,"value":972},{"type":39,"value":1057},{"type":33,"tag":106,"props":2003,"children":2004},{},[],{"type":33,"tag":110,"props":2006,"children":2008},{"id":2007},"faut-il-alimenter-ou-maximiser-son-livret-a-maintenant",[2009],{"type":39,"value":2010},"Faut-il alimenter ou maximiser son Livret A maintenant ?",{"type":33,"tag":41,"props":2012,"children":2013},{},[2014,2016,2021],{"type":39,"value":2015},"À 1,7 %, le Livret A reste le ",{"type":33,"tag":47,"props":2017,"children":2018},{},[2019],{"type":39,"value":2020},"meilleur placement sans risque, sans blocage et sans impôt",{"type":39,"value":2022}," pour les épargnants non éligibles au LEP. Cette remontée renforce son attractivité pour l'épargne de précaution.",{"type":33,"tag":41,"props":2024,"children":2025},{},[2026],{"type":33,"tag":47,"props":2027,"children":2028},{},[2029],{"type":39,"value":2030},"Stratégie optimale selon votre situation :",{"type":33,"tag":571,"props":2032,"children":2033},{},[2034,2044,2054],{"type":33,"tag":474,"props":2035,"children":2036},{},[2037,2042],{"type":33,"tag":47,"props":2038,"children":2039},{},[2040],{"type":39,"value":2041},"Si vous êtes éligible au LEP",{"type":39,"value":2043}," → maximisez le LEP en priorité (taux le plus élevé du réglementé)",{"type":33,"tag":474,"props":2045,"children":2046},{},[2047,2052],{"type":33,"tag":47,"props":2048,"children":2049},{},[2050],{"type":39,"value":2051},"Une fois le LEP plein (10 000 €)",{"type":39,"value":2053}," → alimentez le Livret A jusqu'au plafond (22 950 €)",{"type":33,"tag":474,"props":2055,"children":2056},{},[2057,2062],{"type":33,"tag":47,"props":2058,"children":2059},{},[2060],{"type":39,"value":2061},"Puis le LDDS",{"type":39,"value":2063}," (12 000 €) — particulièrement utile en couple, chacun pouvant détenir les trois livrets",{"type":33,"tag":41,"props":2065,"children":2066},{},[2067,2072,2074,2079],{"type":33,"tag":47,"props":2068,"children":2069},{},[2070],{"type":39,"value":2071},"À relativiser pour l'épargne long terme.",{"type":39,"value":2073}," À 1,7 %, le Livret A ne surperforme pas l'inflation sur longue période. Pour un horizon de 10 ans ou plus, des placements comme le PEA ou l'assurance-vie en unités de compte peuvent offrir des rendements bien supérieurs, avec une fiscalité avantageuse. Le Livret A doit couvrir votre ",{"type":33,"tag":47,"props":2075,"children":2076},{},[2077],{"type":39,"value":2078},"épargne de précaution",{"type":39,"value":2080}," (3 à 6 mois de dépenses), pas immobiliser une épargne qui pourrait fructifier davantage.",{"type":33,"tag":106,"props":2082,"children":2083},{},[],{"type":33,"tag":110,"props":2085,"children":2087},{"id":2086},"faq-taux-livret-a-août-2026",[2088],{"type":39,"value":2089},"FAQ — taux Livret A août 2026",{"type":33,"tag":541,"props":2091,"children":2093},{"id":2092},"quand-exactement-le-taux-de-17-est-il-appliqué",[2094],{"type":39,"value":2095},"Quand exactement le taux de 1,7 % est-il appliqué ?",{"type":33,"tag":41,"props":2097,"children":2098},{},[2099,2101,2105],{"type":39,"value":2100},"Le nouveau taux entre en vigueur le ",{"type":33,"tag":47,"props":2102,"children":2103},{},[2104],{"type":39,"value":1428},{"type":39,"value":2106},". À partir de cette date, tous les calculs d'intérêts de votre Livret A, LDDS ou Livret Jeune sont effectués au taux de 1,7 %. Inutile de contacter votre banque : c'est automatique.",{"type":33,"tag":541,"props":2108,"children":2110},{"id":2109},"faut-il-retirer-puis-remettre-son-argent-pour-bénéficier-du-nouveau-taux",[2111],{"type":39,"value":2112},"Faut-il retirer puis remettre son argent pour bénéficier du nouveau taux ?",{"type":33,"tag":41,"props":2114,"children":2115},{},[2116,2121],{"type":33,"tag":47,"props":2117,"children":2118},{},[2119],{"type":39,"value":2120},"Non, absolument pas.",{"type":39,"value":2122}," La hausse s'applique automatiquement à l'épargne déjà déposée. Retirer et remettre de l'argent ne changerait rien au taux — et pourrait même vous faire perdre des intérêts si le retrait ou le dépôt tombe en milieu de quinzaine.",{"type":33,"tag":541,"props":2124,"children":2126},{"id":2125},"les-intérêts-calculés-avant-le-1er-août-sont-ils-recalculés",[2127],{"type":39,"value":2128},"Les intérêts calculés avant le 1er août sont-ils recalculés ?",{"type":33,"tag":41,"props":2130,"children":2131},{},[2132,2137],{"type":33,"tag":47,"props":2133,"children":2134},{},[2135],{"type":39,"value":2136},"Non.",{"type":39,"value":2138}," Le taux de 1,5 % s'est appliqué du 1er février au 31 juillet 2026 ; les intérêts acquis durant cette période sont définitivement acquis. À partir du 1er août, le calcul bascule à 1,7 % pour le reste de l'année. Les intérêts de toute l'année sont capitalisés et versés le 31 décembre.",{"type":33,"tag":541,"props":2140,"children":2142},{"id":2141},"le-taux-peut-il-encore-changer-en-2026",[2143],{"type":39,"value":2144},"Le taux peut-il encore changer en 2026 ?",{"type":33,"tag":41,"props":2146,"children":2147},{},[2148,2150,2155,2157,2162],{"type":39,"value":2149},"En principe non. Le taux est révisé ",{"type":33,"tag":47,"props":2151,"children":2152},{},[2153],{"type":39,"value":2154},"deux fois par an",{"type":39,"value":2156}," : le 1er février et le 1er août. La prochaine révision est prévue pour le ",{"type":33,"tag":47,"props":2158,"children":2159},{},[2160],{"type":39,"value":2161},"1er février 2027",{"type":39,"value":2163},". Il existe une clause de révision exceptionnelle si l'inflation dépasse un certain seuil, mais elle reste rarement activée.",{"type":33,"tag":541,"props":2165,"children":2167},{"id":2166},"ma-banque-en-ligne-propose-t-elle-aussi-17",[2168],{"type":39,"value":2169},"Ma banque en ligne propose-t-elle aussi 1,7 % ?",{"type":33,"tag":41,"props":2171,"children":2172},{},[2173,2177],{"type":33,"tag":47,"props":2174,"children":2175},{},[2176],{"type":39,"value":1257},{"type":39,"value":2178}," Toutes les banques distribuant le Livret A — en ligne ou en agence — sont tenues d'appliquer le taux réglementaire. BoursoBank, Fortuneo, Hello Bank!, Monabanq… appliquent le même taux que le Crédit Agricole ou La Banque Postale. Il n'y a pas de taux préférentiel possible sur le Livret A.",{"type":33,"tag":541,"props":2180,"children":2182},{"id":2181},"mon-épargne-sur-le-livret-a-est-elle-garantie",[2183],{"type":39,"value":2184},"Mon épargne sur le Livret A est-elle garantie ?",{"type":33,"tag":41,"props":2186,"children":2187},{},[2188,2192],{"type":33,"tag":47,"props":2189,"children":2190},{},[2191],{"type":39,"value":1257},{"type":39,"value":2193}," Le Livret A est un produit d'épargne réglementé par l'État, garanti par la puissance publique. Votre capital est sécurisé et disponible à tout moment sans pénalité, quelle que soit l'évolution du taux.",{"type":33,"tag":106,"props":2195,"children":2196},{},[],{"type":33,"tag":41,"props":2198,"children":2199},{},[2200,2202,2210],{"type":39,"value":2201},"Calculez précisément ce que votre Livret A rapporte avec le nouveau taux de 1,7 %, en tenant compte de vos versements mensuels et de la règle des quinzaines, avec notre ",{"type":33,"tag":47,"props":2203,"children":2204},{},[2205],{"type":33,"tag":95,"props":2206,"children":2208},{"href":960,"rel":2207},[99],[2209],{"type":39,"value":1403},{"type":39,"value":104},{"title":7,"searchDepth":1298,"depth":1298,"links":2212},[2213,2214,2215,2216,2217,2218,2219],{"id":1448,"depth":1298,"text":1451},{"id":1587,"depth":1298,"text":1590},{"id":1756,"depth":1298,"text":1759},{"id":1911,"depth":1298,"text":1914},{"id":1954,"depth":1298,"text":1957},{"id":2007,"depth":1298,"text":2010},{"id":2086,"depth":1298,"text":2089,"children":2220},[2221,2222,2223,2224,2225,2226],{"id":2092,"depth":1306,"text":2095},{"id":2109,"depth":1306,"text":2112},{"id":2125,"depth":1306,"text":2128},{"id":2141,"depth":1306,"text":2144},{"id":2166,"depth":1306,"text":2169},{"id":2181,"depth":1306,"text":2184},"content:articles:hausse-taux-livret-a-aout-2026.md","articles/hausse-taux-livret-a-aout-2026.md","articles/hausse-taux-livret-a-aout-2026",1,{"_path":1352,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":1353,"description":2232,"date":2233,"category":11,"tags":2234,"readingTime":18,"author":19,"relatedSimulator":2239,"summary":2242,"body":2247,"_type":1330,"_id":3564,"_source":1332,"_file":3565,"_stem":3566,"_extension":1335,"_score":2230},"Vérifiez votre éligibilité au LEP 2026 : plafonds RFR par parts fiscales, comment lire votre avis d'imposition et profiter du taux de 2,5 % net.","2026-07-11",[2235,2236,2237,2238,17],"LEP 2026","livret épargne populaire","conditions LEP","éligibilité LEP",{"title":2240,"path":2241,"icon":1405},"Simulateur LEP","/simulateurs/estimation-rendement-livret-lep",[2243,2244,2245,2246],"Le LEP rapporte 2,5 % net en 2026, soit 47 % de plus que le Livret A (1,7 % depuis août 2026) — son accès est conditionné à un plafond de revenus (RFR sous 23 028 € pour une personne seule).","Pour vérifier votre éligibilité, une seule ligne compte : le revenu fiscal de référence (RFR) sur votre avis d'imposition, comparé au plafond selon votre quotient familial.","Chaque adulte peut ouvrir son propre LEP (plafond 10 000 €) — un couple éligible peut placer jusqu'à 20 000 € à 2,5 %, cumulable avec le Livret A et le LDDS.","Si vos revenus dépassent le plafond, vous conservez le LEP tant qu'au moins une des deux dernières années fiscales était sous le seuil — vérification annuelle par votre banque.",{"type":30,"children":2248,"toc":3531},[2249,2255,2274,2293,2296,2302,2314,2320,2332,2338,2350,2356,2373,2384,2387,2393,2399,2418,2531,2544,2550,2593,2612,2625,2628,2634,2640,2652,2657,2699,2705,2710,2740,2762,2765,2771,2783,2791,2829,2837,2860,2870,2880,2885,2888,2894,2904,3005,3013,3031,3063,3066,3072,3078,3083,3089,3101,3124,3136,3139,3145,3151,3168,3180,3186,3195,3201,3211,3217,3236,3242,3247,3253,3262,3268,3279,3302,3308,3324,3330,3335,3365,3370,3373,3379,3384,3457,3469,3477,3498,3501],{"type":33,"tag":34,"props":2250,"children":2252},{"id":2251},"lep-2026-ai-je-droit-au-livret-dépargne-populaire-conditions-plafond-de-revenus-et-éligibilité",[2253],{"type":39,"value":2254},"LEP 2026 : ai-je droit au Livret d'Épargne Populaire ? Conditions, plafond de revenus et éligibilité",{"type":33,"tag":41,"props":2256,"children":2257},{},[2258,2260,2265,2267,2272],{"type":39,"value":2259},"Vous avez entendu parler du LEP, le livret réglementé qui rapporte ",{"type":33,"tag":47,"props":2261,"children":2262},{},[2263],{"type":39,"value":2264},"2,5 % net",{"type":39,"value":2266}," — bien au-delà du Livret A à 1,7 % — mais vous ne savez pas si vous y avez droit ? Bonne nouvelle : les conditions d'éligibilité sont accessibles à une grande partie des Français. Pour savoir si vous pouvez ouvrir un Livret d'Épargne Populaire en 2026, il vous suffit de vérifier une seule ligne sur votre avis d'imposition : votre ",{"type":33,"tag":47,"props":2268,"children":2269},{},[2270],{"type":39,"value":2271},"revenu fiscal de référence (RFR)",{"type":39,"value":2273},". Si ce chiffre est inférieur au plafond correspondant à votre situation familiale, vous êtes éligible.",{"type":33,"tag":81,"props":2275,"children":2276},{},[2277],{"type":33,"tag":41,"props":2278,"children":2279},{},[2280,2285,2287,2292],{"type":33,"tag":47,"props":2281,"children":2282},{},[2283],{"type":39,"value":2284},"Vous pensez être éligible ?",{"type":39,"value":2286}," Calculez ce que votre épargne rapporterait sur notre ",{"type":33,"tag":95,"props":2288,"children":2290},{"href":968,"rel":2289},[99],[2291],{"type":39,"value":972},{"type":39,"value":104},{"type":33,"tag":106,"props":2294,"children":2295},{},[],{"type":33,"tag":110,"props":2297,"children":2299},{"id":2298},"qui-peut-ouvrir-un-lep-en-2026",[2300],{"type":39,"value":2301},"Qui peut ouvrir un LEP en 2026 ?",{"type":33,"tag":41,"props":2303,"children":2304},{},[2305,2307,2312],{"type":39,"value":2306},"Le LEP est un livret réglementé réservé aux ménages modestes domiciliés fiscalement en France. Pour l'ouvrir, vous devez remplir ",{"type":33,"tag":47,"props":2308,"children":2309},{},[2310],{"type":39,"value":2311},"trois conditions cumulatives",{"type":39,"value":2313}," : être majeur, avoir votre domicile fiscal en France, et respecter un plafond de revenus.",{"type":33,"tag":541,"props":2315,"children":2317},{"id":2316},"conditions-dâge",[2318],{"type":39,"value":2319},"Conditions d'âge",{"type":33,"tag":41,"props":2321,"children":2322},{},[2323,2325,2330],{"type":39,"value":2324},"Vous devez être ",{"type":33,"tag":47,"props":2326,"children":2327},{},[2328],{"type":39,"value":2329},"majeur",{"type":39,"value":2331},", c'est-à-dire avoir au moins 18 ans. Contrairement au Livret A, il n'existe pas de LEP pour les mineurs. Un étudiant de 18 ans qui dépose sa propre déclaration de revenus peut en revanche tout à fait en ouvrir un, à condition que son revenu fiscal de référence soit inférieur au plafond.",{"type":33,"tag":541,"props":2333,"children":2335},{"id":2334},"conditions-de-résidence",[2336],{"type":39,"value":2337},"Conditions de résidence",{"type":33,"tag":41,"props":2339,"children":2340},{},[2341,2343,2348],{"type":39,"value":2342},"Votre ",{"type":33,"tag":47,"props":2344,"children":2345},{},[2346],{"type":39,"value":2347},"domicile fiscal doit être en France",{"type":39,"value":2349},". Cela concerne les résidents fiscaux français au sens de l'administration fiscale : si vous travaillez et vivez en France, vous êtes a priori concerné. Les non-résidents (expatriés, frontaliers imposés à l'étranger) ne peuvent pas ouvrir de LEP.",{"type":33,"tag":541,"props":2351,"children":2353},{"id":2352},"conditions-fiscales",[2354],{"type":39,"value":2355},"Conditions fiscales",{"type":33,"tag":41,"props":2357,"children":2358},{},[2359,2361,2365,2367,2372],{"type":39,"value":2360},"C'est la condition principale : votre ",{"type":33,"tag":47,"props":2362,"children":2363},{},[2364],{"type":39,"value":2271},{"type":39,"value":2366}," ne doit pas dépasser les plafonds fixés par le ministère chargé de l'Économie. Ces plafonds sont révisés chaque année en fonction de l'inflation. En 2026, ils ont été revalorisés de ",{"type":33,"tag":47,"props":2368,"children":2369},{},[2370],{"type":39,"value":2371},"+0,9 %",{"type":39,"value":1057},{"type":33,"tag":41,"props":2374,"children":2375},{},[2376,2378,2383],{"type":39,"value":2377},"Un seul LEP est autorisé par personne. Au sein d'un foyer fiscal, chaque adulte peut ouvrir le sien — soit ",{"type":33,"tag":47,"props":2379,"children":2380},{},[2381],{"type":39,"value":2382},"deux LEP maximum par couple",{"type":39,"value":1057},{"type":33,"tag":106,"props":2385,"children":2386},{},[],{"type":33,"tag":110,"props":2388,"children":2390},{"id":2389},"quel-est-le-plafond-de-revenus-du-lep-en-2026",[2391],{"type":39,"value":2392},"Quel est le plafond de revenus du LEP en 2026 ?",{"type":33,"tag":541,"props":2394,"children":2396},{"id":2395},"tableau-des-plafonds-2026-france-métropolitaine",[2397],{"type":39,"value":2398},"Tableau des plafonds 2026 (France métropolitaine)",{"type":33,"tag":41,"props":2400,"children":2401},{},[2402,2404,2409,2411,2416],{"type":39,"value":2403},"Le plafond varie selon le nombre de ",{"type":33,"tag":47,"props":2405,"children":2406},{},[2407],{"type":39,"value":2408},"parts fiscales",{"type":39,"value":2410}," de votre foyer, qui dépend de votre situation familiale et du nombre d'enfants à charge. 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Comparez les rendements : ",{"type":33,"tag":95,"props":3052,"children":3054},{"href":968,"rel":3053},[99],[3055],{"type":39,"value":2240},{"type":39,"value":957},{"type":33,"tag":95,"props":3058,"children":3060},{"href":960,"rel":3059},[99],[3061],{"type":39,"value":1403},{"type":39,"value":1057},{"type":33,"tag":106,"props":3064,"children":3065},{},[],{"type":33,"tag":110,"props":3067,"children":3069},{"id":3068},"que-se-passe-t-il-si-vos-revenus-dépassent-le-plafond",[3070],{"type":39,"value":3071},"Que se passe-t-il si vos revenus dépassent le plafond ?",{"type":33,"tag":541,"props":3073,"children":3075},{"id":3074},"la-vérification-annuelle",[3076],{"type":39,"value":3077},"La vérification annuelle",{"type":33,"tag":41,"props":3079,"children":3080},{},[3081],{"type":39,"value":3082},"Chaque année, entre janvier et avril, votre banque vérifie que votre RFR reste sous les plafonds en vigueur. Elle s'appuie pour cela sur les données transmises par l'administration fiscale. Vous n'avez généralement rien à faire de votre côté.",{"type":33,"tag":541,"props":3084,"children":3086},{"id":3085},"si-vous-nêtes-plus-éligible",[3087],{"type":39,"value":3088},"Si vous n'êtes plus éligible",{"type":33,"tag":41,"props":3090,"children":3091},{},[3092,3094,3099],{"type":39,"value":3093},"Si votre revenu fiscal de référence dépasse le plafond, ",{"type":33,"tag":47,"props":3095,"children":3096},{},[3097],{"type":39,"value":3098},"deux cas de figure",{"type":39,"value":3100}," :",{"type":33,"tag":571,"props":3102,"children":3103},{},[3104,3114],{"type":33,"tag":474,"props":3105,"children":3106},{},[3107,3112],{"type":33,"tag":47,"props":3108,"children":3109},{},[3110],{"type":39,"value":3111},"Votre RFR de l'une des deux années précédentes était sous le plafond",{"type":39,"value":3113}," : vous pouvez conserver votre LEP jusqu'à la prochaine vérification annuelle.",{"type":33,"tag":474,"props":3115,"children":3116},{},[3117,3122],{"type":33,"tag":47,"props":3118,"children":3119},{},[3120],{"type":39,"value":3121},"Vos deux derniers RFR dépassent le plafond",{"type":39,"value":3123}," : votre banque vous informera par courrier et vous demandera de clôturer votre LEP. Vos intérêts acquis jusqu'à la date de clôture vous sont versés, et votre capital vous est restitué.",{"type":33,"tag":41,"props":3125,"children":3126},{},[3127,3129,3134],{"type":39,"value":3128},"Il n'y a pas de pénalité : vous récupérez simplement votre épargne et pouvez la replacer sur un ",{"type":33,"tag":95,"props":3130,"children":3132},{"href":960,"rel":3131},[99],[3133],{"type":39,"value":58},{"type":39,"value":3135}," ou un autre support.",{"type":33,"tag":106,"props":3137,"children":3138},{},[],{"type":33,"tag":110,"props":3140,"children":3142},{"id":3141},"faq-lep-2026",[3143],{"type":39,"value":3144},"FAQ LEP 2026",{"type":33,"tag":541,"props":3146,"children":3148},{"id":3147},"un-étudiant-peut-il-ouvrir-un-lep",[3149],{"type":39,"value":3150},"Un étudiant peut-il ouvrir un LEP ?",{"type":33,"tag":41,"props":3152,"children":3153},{},[3154,3159,3161,3166],{"type":33,"tag":47,"props":3155,"children":3156},{},[3157],{"type":39,"value":3158},"Oui, sous conditions.",{"type":39,"value":3160}," Un étudiant majeur (18 ans ou plus) peut ouvrir un LEP s'il dépose ",{"type":33,"tag":47,"props":3162,"children":3163},{},[3164],{"type":39,"value":3165},"sa propre déclaration de revenus",{"type":39,"value":3167}," et que son revenu fiscal de référence est inférieur au plafond. C'est souvent le cas pour un étudiant salarié à temps partiel ou bénéficiant d'une aide financière modeste.",{"type":33,"tag":41,"props":3169,"children":3170},{},[3171,3173,3178],{"type":39,"value":3172},"En revanche, si l'étudiant est encore ",{"type":33,"tag":47,"props":3174,"children":3175},{},[3176],{"type":39,"value":3177},"rattaché au foyer fiscal de ses parents",{"type":39,"value":3179},", il n'a pas de RFR personnel et ne peut pas ouvrir de LEP de son propre chef. Dans ce cas, c'est le RFR du foyer des parents qui compte — mais le LEP serait alors au nom des parents, pas de l'étudiant.",{"type":33,"tag":541,"props":3181,"children":3183},{"id":3182},"un-retraité-peut-il-avoir-un-lep",[3184],{"type":39,"value":3185},"Un retraité peut-il avoir un LEP ?",{"type":33,"tag":41,"props":3187,"children":3188},{},[3189,3193],{"type":33,"tag":47,"props":3190,"children":3191},{},[3192],{"type":39,"value":1257},{"type":39,"value":3194}," Il n'existe pas de limite d'âge supérieure pour ouvrir ou conserver un LEP. De nombreux retraités sont éligibles car leurs revenus (pension de retraite) se situent sous les plafonds fixés. Un retraité célibataire dont la pension annuelle brute est inférieure à environ 23 000 € a de bonnes chances d'être éligible.",{"type":33,"tag":541,"props":3196,"children":3198},{"id":3197},"un-auto-entrepreneur-peut-il-ouvrir-un-lep",[3199],{"type":39,"value":3200},"Un auto-entrepreneur peut-il ouvrir un LEP ?",{"type":33,"tag":41,"props":3202,"children":3203},{},[3204,3209],{"type":33,"tag":47,"props":3205,"children":3206},{},[3207],{"type":39,"value":3208},"Oui, si son revenu fiscal de référence est sous le plafond.",{"type":39,"value":3210}," Le régime fiscal de la micro-entreprise est pris en compte dans le calcul du RFR. Pour un auto-entrepreneur avec un chiffre d'affaires modéré, le RFR est souvent bien inférieur aux plafonds LEP — notamment parce qu'un abattement forfaitaire est appliqué avant le calcul de l'impôt. Vérifiez la ligne \"revenu fiscal de référence\" de votre avis d'imposition pour en avoir le cœur net.",{"type":33,"tag":541,"props":3212,"children":3214},{"id":3213},"comment-fonctionne-le-lep-pour-un-couple",[3215],{"type":39,"value":3216},"Comment fonctionne le LEP pour un couple ?",{"type":33,"tag":41,"props":3218,"children":3219},{},[3220,3222,3227,3229,3234],{"type":39,"value":3221},"Un couple marié ou pacsé soumis à imposition commune dispose d'un ",{"type":33,"tag":47,"props":3223,"children":3224},{},[3225],{"type":39,"value":3226},"foyer fiscal commun",{"type":39,"value":3228}," avec un RFR unique. Si ce RFR est sous le plafond de 2 parts (35 326 € en 2026), chacun des deux membres du couple peut ouvrir ",{"type":33,"tag":47,"props":3230,"children":3231},{},[3232],{"type":39,"value":3233},"son propre LEP",{"type":39,"value":3235}," dans son établissement bancaire. C'est donc jusqu'à 20 000 € d'épargne cumulée qui peuvent profiter du taux de 2,5 %.",{"type":33,"tag":541,"props":3237,"children":3239},{"id":3238},"que-se-passe-t-il-si-je-suis-rattaché-au-foyer-fiscal-de-mes-parents",[3240],{"type":39,"value":3241},"Que se passe-t-il si je suis rattaché au foyer fiscal de mes parents ?",{"type":33,"tag":41,"props":3243,"children":3244},{},[3245],{"type":39,"value":3246},"Un enfant majeur rattaché au foyer fiscal de ses parents n'a pas de RFR individuel. Il ne peut donc pas ouvrir un LEP en son nom propre. Pour en bénéficier, il devrait opter pour l'imposition séparée — ce qui n'est pas toujours fiscalement avantageux. À peser au cas par cas.",{"type":33,"tag":541,"props":3248,"children":3250},{"id":3249},"puis-je-avoir-plusieurs-lep",[3251],{"type":39,"value":3252},"Puis-je avoir plusieurs LEP ?",{"type":33,"tag":41,"props":3254,"children":3255},{},[3256,3260],{"type":33,"tag":47,"props":3257,"children":3258},{},[3259],{"type":39,"value":2136},{"type":39,"value":3261}," Un seul LEP par personne, quelle que soit votre situation. C'est une règle stricte fixée par la réglementation. Posséder deux LEP est interdit et la banque est tenue de fermer le second si elle le constate.",{"type":33,"tag":541,"props":3263,"children":3265},{"id":3264},"quel-est-le-taux-du-lep-en-2026-et-va-t-il-changer",[3266],{"type":39,"value":3267},"Quel est le taux du LEP en 2026 et va-t-il changer ?",{"type":33,"tag":41,"props":3269,"children":3270},{},[3271,3273,3277],{"type":39,"value":3272},"Le taux du LEP est fixé à ",{"type":33,"tag":47,"props":3274,"children":3275},{},[3276],{"type":39,"value":2264},{"type":39,"value":3278}," depuis le 1er février 2026. Il est révisé deux fois par an, le 1er février et le 1er août, par le ministère chargé de l'Économie sur proposition de la Banque de France. Le taux du LEP ne peut pas descendre en dessous du taux du Livret A + 0,5 point.",{"type":33,"tag":41,"props":3280,"children":3281},{},[3282,3284,3288,3290,3294,3296,3301],{"type":39,"value":3283},"Le taux du Livret A a été relevé à ",{"type":33,"tag":47,"props":3285,"children":3286},{},[3287],{"type":39,"value":65},{"type":39,"value":3289}," au 1er août 2026, mais le gouvernement a confirmé que le taux du LEP ",{"type":33,"tag":47,"props":3291,"children":3292},{},[3293],{"type":39,"value":1973},{"type":39,"value":3295},". L'écart entre les deux livrets s'élargit donc à 0,8 point, renforçant encore l'intérêt du LEP pour les épargnants éligibles. Recalculez votre rendement sur notre ",{"type":33,"tag":95,"props":3297,"children":3299},{"href":968,"rel":3298},[99],[3300],{"type":39,"value":972},{"type":39,"value":1057},{"type":33,"tag":541,"props":3303,"children":3305},{"id":3304},"le-lep-est-il-fiscalisé",[3306],{"type":39,"value":3307},"Le LEP est-il fiscalisé ?",{"type":33,"tag":41,"props":3309,"children":3310},{},[3311,3315,3317,3322],{"type":33,"tag":47,"props":3312,"children":3313},{},[3314],{"type":39,"value":2136},{"type":39,"value":3316}," Comme le Livret A et le LDDS, les intérêts du LEP sont totalement ",{"type":33,"tag":47,"props":3318,"children":3319},{},[3320],{"type":39,"value":3321},"exonérés d'impôt sur le revenu et de prélèvements sociaux",{"type":39,"value":3323},". Le taux affiché (2,5 %) est un taux net : vous le percevez intégralement, sans retenue.",{"type":33,"tag":541,"props":3325,"children":3327},{"id":3326},"quelle-est-la-différence-entre-le-lep-et-le-livret-a",[3328],{"type":39,"value":3329},"Quelle est la différence entre le LEP et le Livret A ?",{"type":33,"tag":41,"props":3331,"children":3332},{},[3333],{"type":39,"value":3334},"Le LEP et le Livret A sont tous deux des livrets réglementés, sécurisés, liquides et défiscalisés. La différence tient en deux points :",{"type":33,"tag":571,"props":3336,"children":3337},{},[3338,3348],{"type":33,"tag":474,"props":3339,"children":3340},{},[3341,3346],{"type":33,"tag":47,"props":3342,"children":3343},{},[3344],{"type":39,"value":3345},"Le taux",{"type":39,"value":3347}," : le LEP rapporte toujours davantage que le Livret A (2,5 % contre 1,7 % depuis août 2026), soit environ 47 % de rendement supplémentaire pour un même capital.",{"type":33,"tag":474,"props":3349,"children":3350},{},[3351,3356,3358,3363],{"type":33,"tag":47,"props":3352,"children":3353},{},[3354],{"type":39,"value":3355},"Les conditions d'accès",{"type":39,"value":3357}," : le ",{"type":33,"tag":95,"props":3359,"children":3361},{"href":960,"rel":3360},[99],[3362],{"type":39,"value":58},{"type":39,"value":3364}," est ouvert à tous, sans condition de revenus. Le LEP est réservé aux foyers dont le revenu fiscal de référence est sous un plafond.",{"type":33,"tag":41,"props":3366,"children":3367},{},[3368],{"type":39,"value":3369},"Si vous êtes éligible, le LEP doit être votre priorité absolue avant le Livret A.",{"type":33,"tag":106,"props":3371,"children":3372},{},[],{"type":33,"tag":110,"props":3374,"children":3376},{"id":3375},"en-résumé-checklist-déligibilité-lep-2026",[3377],{"type":39,"value":3378},"En résumé : checklist d'éligibilité LEP 2026",{"type":33,"tag":41,"props":3380,"children":3381},{},[3382],{"type":39,"value":3383},"Avant de vous rendre en agence, vérifiez ces quatre points :",{"type":33,"tag":470,"props":3385,"children":3388},{"className":3386},[3387],"contains-task-list",[3389,3407,3420,3442],{"type":33,"tag":474,"props":3390,"children":3393},{"className":3391},[3392],"task-list-item",[3394,3400,3402],{"type":33,"tag":3395,"props":3396,"children":3399},"input",{"disabled":3397,"type":3398},true,"checkbox",[],{"type":39,"value":3401}," ",{"type":33,"tag":47,"props":3403,"children":3404},{},[3405],{"type":39,"value":3406},"Vous avez 18 ans ou plus",{"type":33,"tag":474,"props":3408,"children":3410},{"className":3409},[3392],[3411,3414,3415],{"type":33,"tag":3395,"props":3412,"children":3413},{"disabled":3397,"type":3398},[],{"type":39,"value":3401},{"type":33,"tag":47,"props":3416,"children":3417},{},[3418],{"type":39,"value":3419},"Votre domicile fiscal est en France",{"type":33,"tag":474,"props":3421,"children":3423},{"className":3422},[3392],[3424,3427,3428,3433,3435,3440],{"type":33,"tag":3395,"props":3425,"children":3426},{"disabled":3397,"type":3398},[],{"type":39,"value":3401},{"type":33,"tag":47,"props":3429,"children":3430},{},[3431],{"type":39,"value":3432},"Votre revenu fiscal de référence",{"type":39,"value":3434}," (sur votre avis d'imposition 2025) ",{"type":33,"tag":47,"props":3436,"children":3437},{},[3438],{"type":39,"value":3439},"est inférieur au plafond",{"type":39,"value":3441}," correspondant à vos parts fiscales",{"type":33,"tag":474,"props":3443,"children":3445},{"className":3444},[3392],[3446,3449,3450,3455],{"type":33,"tag":3395,"props":3447,"children":3448},{"disabled":3397,"type":3398},[],{"type":39,"value":3401},{"type":33,"tag":47,"props":3451,"children":3452},{},[3453],{"type":39,"value":3454},"Vous ne possédez pas déjà un LEP",{"type":39,"value":3456}," dans un autre établissement",{"type":33,"tag":41,"props":3458,"children":3459},{},[3460,3462,3467],{"type":39,"value":3461},"Si vous cochez toutes les cases, ouvrez votre LEP au plus vite : avec un plafond de dépôt de 10 000 € et un taux de 2,5 %, un LEP plein génère ",{"type":33,"tag":47,"props":3463,"children":3464},{},[3465],{"type":39,"value":3466},"250 € d'intérêts nets par an",{"type":39,"value":3468}," — soit 47 % de plus que les 170 € que rapporterait la même somme sur un Livret A à 1,7 %.",{"type":33,"tag":41,"props":3470,"children":3471},{},[3472],{"type":33,"tag":47,"props":3473,"children":3474},{},[3475],{"type":39,"value":3476},"Calculez dès maintenant ce que votre épargne rapporterait :",{"type":33,"tag":470,"props":3478,"children":3479},{},[3480,3489],{"type":33,"tag":474,"props":3481,"children":3482},{},[3483],{"type":33,"tag":95,"props":3484,"children":3486},{"href":968,"rel":3485},[99],[3487],{"type":39,"value":3488},"Simulateur LEP — rendement avec le taux 2026",{"type":33,"tag":474,"props":3490,"children":3491},{},[3492],{"type":33,"tag":95,"props":3493,"children":3495},{"href":960,"rel":3494},[99],[3496],{"type":39,"value":3497},"Simulateur Livret A — pour comparer",{"type":33,"tag":106,"props":3499,"children":3500},{},[],{"type":33,"tag":41,"props":3502,"children":3503},{},[3504],{"type":33,"tag":1285,"props":3505,"children":3506},{},[3507,3508,3515,3516,3523,3524],{"type":39,"value":1289},{"type":33,"tag":95,"props":3509,"children":3512},{"href":3510,"rel":3511},"https://www.toutsurmesfinances.com/placements/lep-plafond-taux-et-conditions-du-livret-d-epargne-populaire.html",[99],[3513],{"type":39,"value":3514},"Taux LEP 2026 — ToutSurMesFinances",{"type":39,"value":957},{"type":33,"tag":95,"props":3517,"children":3520},{"href":3518,"rel":3519},"https://placement.meilleurtaux.com/livret-epargne/actualites/2026-avril/lep-a-2-50-les-seuils-de-revenus-a-respecter-en-2026.html",[99],[3521],{"type":39,"value":3522},"Plafonds RFR LEP — Meilleurtaux Placement",{"type":39,"value":957},{"type":33,"tag":95,"props":3525,"children":3528},{"href":3526,"rel":3527},"https://www.economie.gouv.fr/actualites/epargne-reglementee-de-nouveaux-taux-pour-le-livret-et-le-lep-au-1er-fevrier-2026",[99],[3529],{"type":39,"value":3530},"Épargne réglementée — economie.gouv.fr",{"title":7,"searchDepth":1298,"depth":1298,"links":3532},[3533,3538,3542,3546,3547,3548,3552,3563],{"id":2298,"depth":1298,"text":2301,"children":3534},[3535,3536,3537],{"id":2316,"depth":1306,"text":2319},{"id":2334,"depth":1306,"text":2337},{"id":2352,"depth":1306,"text":2355},{"id":2389,"depth":1298,"text":2392,"children":3539},[3540,3541],{"id":2395,"depth":1306,"text":2398},{"id":2546,"depth":1306,"text":2549},{"id":2630,"depth":1298,"text":2633,"children":3543},[3544,3545],{"id":2636,"depth":1306,"text":2639},{"id":2701,"depth":1306,"text":2704},{"id":2767,"depth":1298,"text":2770},{"id":2890,"depth":1298,"text":2893},{"id":3068,"depth":1298,"text":3071,"children":3549},[3550,3551],{"id":3074,"depth":1306,"text":3077},{"id":3085,"depth":1306,"text":3088},{"id":3141,"depth":1298,"text":3144,"children":3553},[3554,3555,3556,3557,3558,3559,3560,3561,3562],{"id":3147,"depth":1306,"text":3150},{"id":3182,"depth":1306,"text":3185},{"id":3197,"depth":1306,"text":3200},{"id":3213,"depth":1306,"text":3216},{"id":3238,"depth":1306,"text":3241},{"id":3249,"depth":1306,"text":3252},{"id":3264,"depth":1306,"text":3267},{"id":3304,"depth":1306,"text":3307},{"id":3326,"depth":1306,"text":3329},{"id":3375,"depth":1298,"text":3378},"content:articles:lep-2026-conditions-eligibilite.md","articles/lep-2026-conditions-eligibilite.md","articles/lep-2026-conditions-eligibilite",{"_path":1339,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":1340,"description":3568,"date":3569,"updatedAt":3569,"category":11,"tags":3570,"readingTime":3577,"author":19,"relatedSimulator":3578,"summary":3582,"body":3587,"_type":1330,"_id":5286,"_source":1332,"_file":5287,"_stem":5288,"_extension":1335,"_score":5289},"Simulation plan épargne logement 2026 : taux 2,00 % brut pour les plans ouverts en 2026 (2,25 % pour 2024), calcul des intérêts, plafond 61 200 €, prêt PEL et fiscalité. Gratuit.","2026-07-31",[3571,3572,3573,3574,3575,3576],"PEL 2026","plan épargne logement","taux PEL 2026","simulation PEL","prêt épargne logement","calcul intérêt PEL",8,{"title":3579,"path":3580,"icon":3581},"Simulateur PEL","/simulateurs/estimation-rendement-livret-pel","🏠",[3583,3584,3585,3586],"Un PEL ouvert en 2026 rapporte 2,00 % brut — soit 1,40 % net après PFU de 30 %, en dessous du Livret A actuel (1,7 % net). Les plans ouverts en 2024 bénéficient d'un taux de 2,25 % brut (1,575 % net). Son vrai avantage : un taux garanti et bloqué à vie, qui ne bougera jamais même si les taux du marché baissent.","Le plafond de dépôt est fixé à 61 200 €, avec un versement initial minimum de 225 € et 540 €/an de versements obligatoires. Clôture avant 2 ans : intérêts recalculés au taux du CEL. Entre 2 et 4 ans : taux conservé mais droits à prêt perdus ou diminués.","Après 4 ans d'épargne minimum, le PEL donne accès à un prêt épargne logement pour financer votre résidence principale ou secondaire (max 92 000 €). Taux : 3,20 % pour un plan ouvert en 2026, 2,95 % pour 2025, 3,45 % pour 2024 — toujours taux PEL + 1,20 %.","Comme le Livret A, le PEL calcule ses intérêts par quinzaines et les capitalise le 31 décembre. Différence clé : tout retrait entraîne la clôture complète du plan. Sur 10 000 € initiaux + 540 €/an pendant 4 ans (taux 2,25 %), le PEL génère environ 1 055 € bruts — soit 739 € nets après PFU.",{"type":30,"children":3588,"toc":5262},[3589,3595,3621,3641,3644,3650,3662,3675,3680,3683,3689,3701,3871,3897,3916,3919,3925,3944,3952,3962,3972,4112,4143,4162,4165,4171,4176,4195,4201,4273,4278,4284,4296,4390,4410,4413,4419,4437,4443,4455,4534,4540,4601,4607,4619,4636,4648,4651,4657,4662,4747,4759,4772,4775,4781,4933,4941,4959,4967,4985,5006,5009,5015,5021,5039,5045,5050,5110,5116,5125,5131,5143,5146,5152,5203,5211,5230,5233],{"type":33,"tag":34,"props":3590,"children":3592},{"id":3591},"pel-2026-taux-garanti-calcul-des-intérêts-et-simulation-du-prêt-épargne-logement",[3593],{"type":39,"value":3594},"PEL 2026 — taux garanti, calcul des intérêts et simulation du prêt épargne logement",{"type":33,"tag":41,"props":3596,"children":3597},{},[3598,3600,3605,3607,3612,3614,3619],{"type":39,"value":3599},"Le Plan Épargne Logement reste l'un des placements réglementés les plus mal compris des Français. Son taux brut est fixé à l'ouverture : ",{"type":33,"tag":47,"props":3601,"children":3602},{},[3603],{"type":39,"value":3604},"2,00 %",{"type":39,"value":3606}," pour un plan ouvert en 2026, ce qui donne ",{"type":33,"tag":47,"props":3608,"children":3609},{},[3610],{"type":39,"value":3611},"1,40 % net",{"type":39,"value":3613}," après le prélèvement forfaitaire unique de 30 % — en dessous du Livret A à 1,7 %. Les plans ouverts en 2024 bénéficient d'un taux plus favorable de 2,25 % brut (1,575 % net). Alors, le PEL vaut-il encore le coup ? Oui, mais pas pour les raisons que vous croyez : son vrai avantage, c'est un taux ",{"type":33,"tag":47,"props":3615,"children":3616},{},[3617],{"type":39,"value":3618},"bloqué à vie",{"type":39,"value":3620},", un capital forcément accumulé, et un prêt immobilier à taux avantageux à la clé. 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Utilisez notre ",{"type":33,"tag":95,"props":4999,"children":5001},{"href":5000},"/simulateurs/optimisateur-livrets",[5002],{"type":39,"value":5003},"optimisateur de livrets",{"type":39,"value":5005}," pour trouver la répartition optimale selon votre situation.",{"type":33,"tag":106,"props":5007,"children":5008},{},[],{"type":33,"tag":110,"props":5010,"children":5012},{"id":5011},"faq-pel-2026",[5013],{"type":39,"value":5014},"FAQ PEL 2026",{"type":33,"tag":541,"props":5016,"children":5018},{"id":5017},"peut-on-fermer-un-pel-avant-4-ans-sans-perdre-tous-ses-intérêts",[5019],{"type":39,"value":5020},"Peut-on fermer un PEL avant 4 ans sans perdre tous ses intérêts ?",{"type":33,"tag":41,"props":5022,"children":5023},{},[5024,5026,5030,5032,5037],{"type":39,"value":5025},"Oui, mais les conséquences varient selon le moment de la clôture. ",{"type":33,"tag":47,"props":5027,"children":5028},{},[5029],{"type":39,"value":4325},{"type":39,"value":5031}," : les intérêts sont recalculés au taux du CEL (Compte Épargne Logement) en vigueur au jour de la clôture — généralement bien inférieur au taux PEL — et vous perdez vos droits à prêt. ",{"type":33,"tag":47,"props":5033,"children":5034},{},[5035],{"type":39,"value":5036},"Entre 2 et 4 ans",{"type":39,"value":5038}," : vous conservez votre taux contractuel plein, mais vous perdez tout ou partie de vos droits à prêt. Dans tous les cas, vous récupérez votre capital et les intérêts recalculés selon ces règles.",{"type":33,"tag":541,"props":5040,"children":5042},{"id":5041},"combien-rapporte-un-pel-de-10-000-sur-4-ans",[5043],{"type":39,"value":5044},"Combien rapporte un PEL de 10 000 € sur 4 ans ?",{"type":33,"tag":41,"props":5046,"children":5047},{},[5048],{"type":39,"value":5049},"Avec 10 000 € de versement initial et 540 €/an de versements supplémentaires :",{"type":33,"tag":470,"props":5051,"children":5052},{},[5053,5083],{"type":33,"tag":474,"props":5054,"children":5055},{},[5056,5061,5063,5068,5070,5075,5077,5082],{"type":33,"tag":47,"props":5057,"children":5058},{},[5059],{"type":39,"value":5060},"PEL ouvert en 2024 (taux 2,25 %)",{"type":39,"value":5062}," : environ ",{"type":33,"tag":47,"props":5064,"children":5065},{},[5066],{"type":39,"value":5067},"1 055 € d'intérêts bruts",{"type":39,"value":5069},", soit ",{"type":33,"tag":47,"props":5071,"children":5072},{},[5073],{"type":39,"value":5074},"739 € nets",{"type":39,"value":5076}," après PFU de 30 %. Capital final : environ ",{"type":33,"tag":47,"props":5078,"children":5079},{},[5080],{"type":39,"value":5081},"12 899 €",{"type":39,"value":1057},{"type":33,"tag":474,"props":5084,"children":5085},{},[5086,5091,5092,5097,5098,5103,5104,5109],{"type":33,"tag":47,"props":5087,"children":5088},{},[5089],{"type":39,"value":5090},"PEL ouvert en 2026 (taux 2,00 %)",{"type":39,"value":5062},{"type":33,"tag":47,"props":5093,"children":5094},{},[5095],{"type":39,"value":5096},"935 € d'intérêts bruts",{"type":39,"value":5069},{"type":33,"tag":47,"props":5099,"children":5100},{},[5101],{"type":39,"value":5102},"655 € nets",{"type":39,"value":5076},{"type":33,"tag":47,"props":5105,"children":5106},{},[5107],{"type":39,"value":5108},"12 815 €",{"type":39,"value":1057},{"type":33,"tag":541,"props":5111,"children":5113},{"id":5112},"le-taux-pel-peut-il-changer-en-cours-de-plan",[5114],{"type":39,"value":5115},"Le taux PEL peut-il changer en cours de plan ?",{"type":33,"tag":41,"props":5117,"children":5118},{},[5119,5123],{"type":33,"tag":47,"props":5120,"children":5121},{},[5122],{"type":39,"value":2136},{"type":39,"value":5124}," C'est la caractéristique fondamentale du PEL : le taux est bloqué à vie à l'ouverture. Un PEL ouvert aujourd'hui à 2,00 % conservera ce taux jusqu'à sa clôture, que vous le fermiez dans 4 ans ou dans 15 ans. C'est également vrai pour le taux du prêt PEL associé : 3,20 % pour un plan ouvert en 2026, 3,45 % pour un plan ouvert en 2024.",{"type":33,"tag":541,"props":5126,"children":5128},{"id":5127},"comment-calculer-ses-droits-à-prêt-pel",[5129],{"type":39,"value":5130},"Comment calculer ses droits à prêt PEL ?",{"type":33,"tag":41,"props":5132,"children":5133},{},[5134,5136,5141],{"type":39,"value":5135},"Les droits à prêt sont calculés sur la base des intérêts acquis, multipliés par un coefficient qui dépend du taux du PEL et de la durée du prêt envisagé. Votre banque effectue ce calcul automatiquement. En pratique, comptez environ ",{"type":33,"tag":47,"props":5137,"children":5138},{},[5139],{"type":39,"value":5140},"15 000 à 20 000 € de capacité d'emprunt",{"type":39,"value":5142}," pour 4 ans d'épargne à 2,25 % sur un PEL alimenté au minimum requis. Pour approcher les 92 000 € maximum, il faut une épargne longue (8-10 ans) proche du plafond de 61 200 €.",{"type":33,"tag":106,"props":5144,"children":5145},{},[],{"type":33,"tag":110,"props":5147,"children":5149},{"id":5148},"en-résumé",[5150],{"type":39,"value":5151},"En résumé",{"type":33,"tag":470,"props":5153,"children":5154},{},[5155,5167,5186,5191],{"type":33,"tag":474,"props":5156,"children":5157},{},[5158,5160,5165],{"type":39,"value":5159},"Un PEL ouvert en 2026 rapporte ",{"type":33,"tag":47,"props":5161,"children":5162},{},[5163],{"type":39,"value":5164},"2,00 % brut",{"type":39,"value":5166}," (1,40 % net après PFU) — en dessous du Livret A actuel à 1,7 % net. Les plans ouverts en 2024 bénéficient d'un meilleur taux (2,25 % brut, 1,575 % net).",{"type":33,"tag":474,"props":5168,"children":5169},{},[5170,5172,5177,5179,5184],{"type":39,"value":5171},"Son vrai avantage : un taux ",{"type":33,"tag":47,"props":5173,"children":5174},{},[5175],{"type":39,"value":5176},"garanti et fixe",{"type":39,"value":5178},", des versements forcés qui construisent l'épargne, et un ",{"type":33,"tag":47,"props":5180,"children":5181},{},[5182],{"type":39,"value":5183},"prêt immobilier",{"type":39,"value":5185}," (3,20 % pour un plan 2026, 3,45 % pour 2024) après 4 ans.",{"type":33,"tag":474,"props":5187,"children":5188},{},[5189],{"type":39,"value":5190},"Ne fermez jamais un ancien PEL sans vérifier son taux historique : un PEL à 2,50 % ou plus vaut de l'or en période de taux bas.",{"type":33,"tag":474,"props":5192,"children":5193},{},[5194,5196,5201],{"type":39,"value":5195},"Les intérêts sont calculés par quinzaines (comme le Livret A) et capitalisés ",{"type":33,"tag":47,"props":5197,"children":5198},{},[5199],{"type":39,"value":5200},"le 31 décembre",{"type":39,"value":5202}," — planifiez vos versements début janvier pour maximiser les quinzaines comptabilisées dans l'année.",{"type":33,"tag":41,"props":5204,"children":5205},{},[5206],{"type":33,"tag":47,"props":5207,"children":5208},{},[5209],{"type":39,"value":5210},"Simulez votre PEL maintenant :",{"type":33,"tag":470,"props":5212,"children":5213},{},[5214,5222],{"type":33,"tag":474,"props":5215,"children":5216},{},[5217],{"type":33,"tag":95,"props":5218,"children":5219},{"href":3580},[5220],{"type":39,"value":5221},"Simulateur PEL — rendement net et droits à prêt",{"type":33,"tag":474,"props":5223,"children":5224},{},[5225],{"type":33,"tag":95,"props":5226,"children":5227},{"href":5000},[5228],{"type":39,"value":5229},"Optimisateur de livrets — LEP, Livret A, LDDS, PEL",{"type":33,"tag":106,"props":5231,"children":5232},{},[],{"type":33,"tag":41,"props":5234,"children":5235},{},[5236],{"type":33,"tag":1285,"props":5237,"children":5238},{},[5239,5240,5247,5248,5255,5256],{"type":39,"value":1289},{"type":33,"tag":95,"props":5241,"children":5244},{"href":5242,"rel":5243},"https://www.banque-france.fr",[99],[5245],{"type":39,"value":5246},"Taux PEL 2024 — Banque de France",{"type":39,"value":957},{"type":33,"tag":95,"props":5249,"children":5252},{"href":5250,"rel":5251},"https://www.service-public.fr/particuliers/vosdroits/F16140",[99],[5253],{"type":39,"value":5254},"Plafond et conditions PEL — service-public.fr",{"type":39,"value":957},{"type":33,"tag":95,"props":5257,"children":5259},{"href":2682,"rel":5258},[99],[5260],{"type":39,"value":5261},"Fiscalité PEL — impots.gouv.fr",{"title":7,"searchDepth":1298,"depth":1298,"links":5263},[5264,5265,5266,5267,5272,5277,5278,5279,5285],{"id":3646,"depth":1298,"text":3649},{"id":3685,"depth":1298,"text":3688},{"id":3921,"depth":1298,"text":3924},{"id":4167,"depth":1298,"text":4170,"children":5268},[5269,5270,5271],{"id":4173,"depth":1306,"text":181},{"id":4197,"depth":1306,"text":4200},{"id":4280,"depth":1306,"text":4283},{"id":4415,"depth":1298,"text":4418,"children":5273},[5274,5275,5276],{"id":4439,"depth":1306,"text":4442},{"id":4536,"depth":1306,"text":4539},{"id":4603,"depth":1306,"text":4606},{"id":4653,"depth":1298,"text":4656},{"id":4777,"depth":1298,"text":4780},{"id":5011,"depth":1298,"text":5014,"children":5280},[5281,5282,5283,5284],{"id":5017,"depth":1306,"text":5020},{"id":5041,"depth":1306,"text":5044},{"id":5112,"depth":1306,"text":5115},{"id":5127,"depth":1306,"text":5130},{"id":5148,"depth":1298,"text":5151},"content:articles:pel-2026-taux-simulation-pret.md","articles/pel-2026-taux-simulation-pret.md","articles/pel-2026-taux-simulation-pret",0,1786492311755]