towards a further rise in rates

A young 31-year-old buyer has just obtained financing. But we had to resolve to borrow at a rather high rate. “It’s a property worth 200,000 euros, with a rate of around 4%. At first I looked at slightly more expensive properties, but very quickly I looked at less expensive ones and in another geographical area., he explains. “OThere has been a meteoric rise in borrowing rates in just a few months. A year and a half ago, a couple who wanted to buy a 6-room house will now lose between 20 and 30 m²“observes Sylvain Richefeu, Capfi broker.

Rates should stabilize

In one year, the number of loans granted fell by 41%. Borrowing rates should stabilize at 4.5 or even 5% over 20 years. “TThree banking establishments have reopened the production of their real estate loans, so competition will reestablish itself. (…) This competition will also contain the rise in rates“, estimates Maël Barnier, spokesperson for Meilleur Taux. But he is pIt is likely that these rates will fall again in the coming months.