How long are the days when you just had to push the door of the bank to obtain not only a loan but also a very low rate!
Today, with the same gesture, you are not even sure of obtaining a loan.
“
To use a footballing metaphor, we have gone from an 'all for attack' strategy to 'all for defence
', laughs a mortgage broker.
Even a wealthy profile can be recalibrated because of the rate of wear or the rate of indebtedness.
The first, which is equivalent to the maximum rate beyond which a bank cannot lend, was set at 4% by the Banque de France.
Now updated every month, the usury rate should become less and less of an obstacle for borrowers because it better reflects the reality of the market, namely soaring rates.
On the other hand, the debt ratio, referred to as "problem No. 1" for borrowers by credit experts, is more problematic because it is sustainable.
High inflation, high real estate prices and soaring interest rates are weighing on the purchasing power of households, especially first-time buyers.
And the debt ratio often easily exceeds the maximum threshold of 35%.
Even 40%.
If in the first case, you can, according to your profile, hope to obtain a credit, it will be a priori impossible in the second.
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