Cost of real estate loans, after two years of increasing, finally seems to be falling. In February, rates fell by almost 0.10 points.

You have to pay on average 3.90% for a twenty-year loan, compared to 4.50% at the end of last year. The best files, with solid income and a comfortable contribution, can even see their rate fall to 3.60%. But that's far from everything. The banks which closed the credit tap last year due to lack of profitability…