Slowdown on credit.
Households with a home purchase plan find it very difficult to obtain the approval of their bank.
“Last year, we were hunting for the best rates;
today we are looking for funding, ”
argues Ari Bitton, founder of Credit Leader.
With the crisis, the banks tighten the screw and the brokers may well sort out the files they present, the refusals, usually marginal, multiply.
They have doubled at Vousfinancer, going from 5% to 10% over one year.
At Cafpi, they peak at 15% against 10% in normal times.
Read also:
Real estate: the market seizes up again
Since January, banking institutions have followed the recommendations of the High Council for Financial Stability (HCSF) to the letter.
Banks must limit the term of the loan to 25 years and the loan maturities to 33% of the buyer's income.
These recommendations, taken in December 2019 at a time when the public authorities feared overheating, have not changed since.
Hardening
But the opinion of the HCSF does not explain to him
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