A concept which is not new, but which is still little known, useful savings continues to attract more and more individuals, both in France and around the world. It consists of invest your money in an investment that will be beneficial for the investor, the environment and the community. It is the basis of econology, in short!
This savings allows you to save money or obtain returns, while contributing to a cause that is close to your heart, such as responsible mobility. The idea is to promote access to this planet-friendly mobility for all, while thinking of yourself. But what exactly is it and how does it work?
Understand the concept of useful economy and solidarity savings
Useful economy is a concept close to the collaborative economy, which promotes the exchange of services or goods between individuals, whether it is the rental of housing or vehicles, or carpooling, the sale and purchase of second-hand equipment, etc. Support services such as tutoring or personal assistance also fall within this framework.
Useful economy aims to achieve savings or returns, by promoting an approach that is intended to be useful to all. The solidarity and altruistic aspect is thus at the heart of the challenges of solidarity savings, without neglecting its own benefits.
In the context of solidarity savings, the investor knows in advance what his funds will be used for. This can be as much for the financing of social housing, schools, hospitals, renewable energies, as for the development of small local businesses, the support of populations in difficulty in the world, or to promote mobility. responsible.
In specialized establishments, the responsible investment for which the funds deposited with your bank will be used is clearly indicated in the contract. The funds are used to finance loans in order to promote access to responsible mobility for people who need it. This type of investment responds to both a concern and a desire to contribute to the protection of the environment.
Solidarity savings: how does it work?
It is possible to enjoy excellent returns thanks to solidarity savings, provided you choose your investments wisely. The rates of return of the offers developed by specialized organizations are particularly interesting and you hardly take any risk. For your investment, you have the choice ofopen an online savings book or a responsible term account. Let's take a closer look at these two types of placement.
Responsible savings account
In the first case, you can open your passbook free of charge and feed it on a regular basis or with one-off payments. This savings choice is both easy and risk-free. You can also withdraw the money and close your account whenever you want.
Interest rates are capitalized at the end of each period and they themselves earn interest thereafter. This rate may vary. This placement stands out for its flexibility. You can make transfers by check or wire transfer at any time online.
Responsible term account
The responsible term account has the advantage of being more profitable than the savings account in terms of responsible investment. It consists of depositing a fixed capital in your account at the time of opening, which will be blocked for a given period.
Interest rates are fixed in advance. At the end of this period, you will be able to recover the invested capital, with the interest generated. The minimum term for this contract is often 3 years. The capital can range from 5 to 000 million euros, which you can deposit at once.
Offers in favor ofeco-mobility
Some banks working in solidarity savings are specialized in auto loans in favor of eco-mobility. Whether you choose the savings account or the responsible term account, the capital will be used to finance car loans for people with modest incomes. Some also use this type of credit to engage in a VTC activity, or to purchase a utility for work.
Organizations specializing in solidarity savings, and more specifically in auto loans, have many years of experience enabling them to understand customers' needs in terms of mobility. They also know the automotive market very well, which allows them to set up offers tailored to customer needs.
These organizations often work with innovative brands, offering models of ecological vehicles, such as electric cars, which increasingly attract individuals. They not only promote sustainable mobility, but also a more comfortable and more fluid circulation for all. Vehicles are also often offered at very attractive prices. The question of price is in fact a major obstacle to access toeco-mobility, since electric vehicles are often very expensive to purchase.
It is therefore quite possible to turn to a sustainable savings offer, highlighting this responsible and human aspect, which promotes job creation and access to mobility, even for the most vulnerable people in the area. the financial plan.
An investment choice that appeals in France and internationally
Faced with an increasingly uncertain economic situation, the French have massively increased their savings since the start of confinement. They are also more and more likely to want to give meaning to their investments. They particularly favor investments that contribute to the social, economic or environmental aspect.
The investments offered by certain organizations meet these needs, since they support a key sector of the economy, environmental protection, access to this responsible mobility for all and job creation. These offer promises both performance and security to savers, with fully transparent funding.
This type of investment allows the financing of hundreds of thousands of cars in France each year. This type of offer seduces not only in France but also abroad, and in particular in the rest of Europe, with increasingly large deposits. Countries such as Austria and Brazil are also increasingly oriented towards this type of investment.