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Banks will be able to grant credit more easily to future owners. The rate of wear, which caps all costs related to the purchase of an apartment, is now revised every month, and no longer every quarter.
The attrition rate will soon be revised every month, which could give the real estate market some breathing space. He had become the obsession of Sammy Chebbi, broker, and his client, a 28-year-old computer expert, who was denied all his loan requests. The wear rate is the limit not to be exceeded once the borrowing rate, the cost of insurance and that of the possible intermediary have been added.
Loans now easier to obtain
The ceiling is set by the Banque de France. With soaring credit rates, it was difficult to stay in the nails. “Many files, with very, very good profiles, could not be valid not for a question of risks, but for a question of a regulatory nature”explains Sammy Chebbi. AT each increase in the borrowing rate, the Banque de France was slow to adjust the maximum authorized rate, resulting in files being blocked. From now on, loans will be easier to obtain. However, they may be more expensive.
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