The mortgage tap is not closed but the flow is less fluid.
After the 1% rates that we had all become accustomed to for 2 years, the situation has changed.
No profile is spared.
All files, even the best, are concerned.
Over 20 years, the average rate is around 1.5% (excluding insurance) where we could, a few months ago, hope to borrow at 1%.
Or several tens of euros more to be repaid each month to his bank.
But the good news is that these rates not only remain very low, but are well below inflation (+5.2% in May over one year).
Read alsoReal estate credit: is it still possible to borrow without contribution?
If inflation were to take hold for a long time, borrowing at rates below 2% could appear to be a godsend.
A boon that does not benefit everyone.
Since the beginning of the war in Ukraine, refusals of files have multiplied.
"
They amount to several thousand per month
," says a real estate market expert.
A word comes up very frequently in the mouths of bankers: the rate of wear.
It probably doesn't tell you anything.
Le Figaro
takes stock.
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