more and more credits refused, the wear rate in question

It becomes very complicated to obtain a mortgage. “On average, 45% of requests have been refused since January 1, and this is unheard of. The borrowers most affected are those aged 30-55, at 51%, followed by first-time buyers, 19%, and seniors, 14%”, notes the journalist Anne-Claire Le Sann, present, Wednesday August 17, on the set of 12/13. It is the rate of wear that is in question, “consumer protection system”explains the journalist.

“This is the rate that is given by the Banque de France each quarter beyond which the bank is prohibited from lending money. And the problem is that this usury rate today n ‘not rising fast enough in relation to rising rates, around 2% at the moment’, says the journalist. Gold, “fewer loans granted, and a whole ecosystem is affected: notaries, construction, real estate, credit organizations”, notes Anne-Claire Le Sann. Professionals offer emergency solutions, such as a reform of the method of calculating the wear rate, or raising the rate for one month by the Governor of the Banque de France.