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From January 1, 2022, mortgage borrowers will see some changes to the rules already in force. The journalist Julian Cholin takes stock of the 13 Hours set, Wednesday, December 29.
Several regulations concerning mortgage loans are set to change by January 1, 2022, starting with the authorized debt ratio. The share of income devoted to the repayment of a mortgage must no longer exceed 35%. Loan insurance is included in this rate. “The goal is to limit loans that are too risky, those that expose real estate buyers to a risk of over-indebtedness.“, explains journalist Julien Cholin wednesday 29 december, on the tray from 13 hours.
As for the period of the loan, it may no longer exceed 25 years. However, several exceptional cases could extend this maximum period. “If you buy new, or if you are planning major work, then you can justify a credit over 27 years and no longer 25. Then, a certain latitude is left to the banks: since 20% of loans granted each quarter may be somewhat outside the scope“, says the journalist.