At the beginning of April, the broker Tousfinance notes increases in credit rates in more than half of the scales received from banks. © Dilok – Adobe Stock – “In April, part of the banks clearly reflected the increase in the 10 -year state loan rate, which reached 3.50 % in March”, analyzes you. Safeguard safeguarded Receive real estate purchase alerts is the end of the drop in mortgage rates, after more than a year of withdrawal? In February, already, a few banks had brought up their rates, to lower them again in March. At the beginning of April, Vousfinance observes “credit rate increases in more than half of the scales received” from banks, “the others being stable”. These lifts, which are both the result of national banks and regional establishments, range between 0.10 and 0.50 points. This brings the average rates to 3% for credits over 15 years, to 3.20% for those over 20 years and 3.40% for loans over 25 years, details the broker. And, while he and his colleagues wondered at the end of last week on the possibility of a new renewal of the promotional offer of SG (ex-general), which had struck very much in February and March with a rate of only 2.99% Looking for credit, the cleaver fell: “The bank has just ended it,” says youfinance. SG rates go back between 3.20 % and 3.50 % for 20 years loans, said the broker. Real estate: rentiers or simple savers, who are really the multi -owners in France? Candate rates remain low “in April, part of the banks clearly passed on the increase in the rate of state loan at 10 years, which reached 3.50 % in March”, due to geopolitical and economic uncertainties, explains Julie Bachet, director general of Tousfinance. Banks funding themselves in part in the financial markets, they have increased the increase in the OAT rate (assimilable bond of the Treasury) to 10 years, required by international investors to lend France, on their mortgage rates, so as not to lose money. Mortgage rates are nonetheless “relatively low compared to previous years”, tempers the CAFPI broker. They had indeed quadrupled between early 2022 and autumn 2023, to exceed the 4%mark. “Banks continue to lend,” adds Artémis Courage. “All keep the possibility of lowering their rates on a case-by-case basis, depending on the profiles of customers they wish to capture, in particular high income, those who can repatriate savings and first-time buyers,” added you. Primo-actors who have benefited from the enlargement of the State’s zero rate (PTZ) to the entire territory and new individual houses since April 1 and to new individuals. A boost that banks wish to support, as evidenced by the initiatives of Banque Populaire and Crédit Agricole. Unpaid charges in co-ownership: can I force me to go to the checkout for others? >> Our service – Save money by testing our mortgage loan insurance comparator Receive our latest news every week your meeting with real estate news. (tagstotranslate) Purchase real estate
