Some households wishing to buy their main residence or dreaming of a second home and other real estate investors will have to lower their ambitions. After a record year that saw house sales exceed one million, governments, fearing overheating, asked banks to calm the game.
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Since January, institutions must limit loans to 25 years maximum and limit repayments to 33% of revenues. These recommendations of the High Council for Financial Stability (HCSF) have obviously been followed to the letter. “The banks have all adjusted their requirements following these recommendations. Files that passed last year are now readjusted, ” alarmed Sandrine Allonier, from the broker VousFinancer.
This increased vigilance concerns files exceeding the durations and the levels of debt required, but not only. Loans without contributions are now often refused. Chez Cafpi, another name known to brokerage,
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