Loans subsidized at 0% or almost, local subsidies… Buyers who are struggling to make ends meet are not completely helpless in the face of tighter access to credit and soaring interest rates.
A multitude of nudges exist to give them a bit of air when borrowing.
Examples ?
A loan of up to €50,000 at 0% via Crédit Agricole d'Île-de-France, a rate of 0.5% on €20,000 for 18-29 year olds by LCL, or a rate of 1, 25% on €30,000 and a term of 15 years via the Caisse d'épargne Rhône-Alpes.
These offers, where the bank bears all or part of the interest to capture new customers, have always existed, but they had been somewhat neglected in view of the low rates in recent years.
Read alsoReal estate credit: identify the right type of loan
They are resurfacing today with the soaring cost of money.
A credit is now around 2.2% over 20 years.
“
These loans are a real help.
They make it possible to reduce the overall cost of credit”
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