On the mortgage front, it is not easy to be optimistic at the moment as the situation has become tense in a few months.
And yet, despite their sharp rise, credit rates remain very low: 1.85% over 20 years and 2% over 25 years for a good file, according to Meilleurtaux.
They remain well below inflation, which is above 6%.
Real credit rates are therefore negative.
In other words, you can get rich by going into debt.
Certainly, but galloping inflation has not been accompanied by an increase in wages in France.
Consequence: the borrower must not only face a sharp rise in rates - and therefore the cost of credit - but also a stabilization of his income, and therefore of his contribution.
This is why its borrowing capacity decreases.
This eliminates the solvency of a good part of first-time buyers.
Rates will go up again
Second-time buyers are not always at the party either.
Most of them being seniors, the banks offer them such a high insurance rate that their…
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