Obtaining a mortgage is more and more an obstacle course.
And the situation is not about to change.
The usury rate – that is to say the threshold (which includes all fees and guarantees) beyond which banks cannot lend – is always a drag on the market.
Admittedly, this rate, revised every three months, has increased by nearly 100 basis points since last July: it rose to 3.57% on January 1 for loans over 20 years and over.
The Banque de France opposed any change in the rule for setting the rate of wear that would have allowed a faster increase.
Despite its increase, the current usury rate still does not allow all property candidates to obtain a loan.
"The situation is likely to become very worrying for buyers,"
warns Julie Bachet, CEO of Vousfinancer.
In fact, at the start of the year, all establishments have just raised their loan rates (from 0.3% to 0.5% on average) to take into account…
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