{"id":599,"date":"2021-01-26T00:00:00","date_gmt":"2021-01-25T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2013\/08\/26\/epargner-en-fonction-des-contraintes-reglementaires\/"},"modified":"2021-12-07T17:31:43","modified_gmt":"2021-12-07T15:31:43","slug":"epargner-en-fonction-des-contraintes-reglementaires","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/epargner-en-fonction-des-contraintes-reglementaires\/","title":{"rendered":"Epargner en fonction des contraintes r\u00e9glementaires"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Tous les produits existants ne vous sont pas forc\u00e9ment accessibles. Certains r\u00e9pondent \u00e0 des contraintes r\u00e9glementaires : d\u00e9p\u00f4t minimum, \u00e2ge minimum\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des produits d'\u00e9pargne sont r\u00e9glement\u00e9s. Malgr\u00e9 les avantages que chacun peut vous apporter, il existe presque toujours des contraintes \u00e0 respecter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le produit d'\u00e9pargne peut vous imposer :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>un versement minimum p\u00e9riodique,<\/li><li>un solde minimum \u00e0 respecter pour que votre compte continue \u00e0 fonctionner,<\/li><li>un plafond d'\u00e9pargne \u00e0 ne pas d\u00e9passer,<\/li><li>un \u00e2ge minimum ou maximum (livret Jeune),<\/li><li>une dur\u00e9e minimale d'\u00e9pargne (PEL),<\/li><li>une non imposition ou un niveau d'imposition maximum (LEP),<\/li><li>etc.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Toutes ces contraintes peuvent ainsi restreindre votre choix.<\/p>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div 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class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:199,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-livret-jeune\/&quot;,&quot;title&quot;:&quot;Le livret jeune&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-jeune-_BD-150x150.jpg&quot;,&quot;likes&quot;:20}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"199\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-livret-jeune\/\"\n         data-title=\"Le livret jeune\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n         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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-jeune-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-jeune-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-jeune-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les services bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le livret jeune<\/span>\n                <\/h3>\n                            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class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n           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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/LEP-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/LEP-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/LEP-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/LEP-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les livrets, comptes et plans...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Qu&#039;est-ce que le livret d&#039;\u00e9pargne populaire (LEP) ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:373,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/pel-plan-epargne-logement\/&quot;,&quot;title&quot;:&quot;PEL : tout comprendre sur le plan \u00e9pargne logement en 2026&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/PEL-_BD-150x150.jpg&quot;,&quot;likes&quot;:608}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"373\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pel-plan-epargne-logement\/\"\n         data-title=\"PEL : tout comprendre sur le plan \u00e9pargne logement en 2026\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg 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class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pel-plan-epargne-logement\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/PEL-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/PEL-_BD-921x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/PEL-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/PEL-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">L&#039;\u00e9pargne logement<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">PEL : tout comprendre sur le plan \u00e9pargne logement en 2026<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:179,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/tableau-produits-epargne-plafond-taux\/&quot;,&quot;title&quot;:&quot;Tableau r\u00e9capitulatif des comptes et livrets 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role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/tableau-produits-epargne-plafond-taux\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/02\/image-taux-plafonds-produits-epargne-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/02\/image-taux-plafonds-produits-epargne-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/02\/image-taux-plafonds-produits-epargne-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/02\/image-taux-plafonds-produits-epargne.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les crit\u00e8res et contraintes \u00e0...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Tableau r\u00e9capitulatif des comptes et livrets d&#039;\u00e9pargne<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Tous les produits existants ne vous sont pas forc\u00e9ment accessibles. Certains r\u00e9pondent \u00e0 des contraintes r\u00e9glementaires : d\u00e9p\u00f4t minimum, \u00e2ge minimum\u2026 La plupart des produits d'\u00e9pargne sont r\u00e9glement\u00e9s. Malgr\u00e9 les avantages que chacun peut vous apporter, il existe presque toujours des contraintes \u00e0 respecter. 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