Flat calm for real estate credits interest rates in August. A lesser harm for candidates for purchase, since they should increase by the end of the yearin the wake of the rates of the OAT rates (assimilable bond of the Treasury) to 10 years from France. “August photography is that of a stable market, marked by limited regional variations, but which suggests more frank developments at the start of the school year in September”warns the broker borrowed in a press release published Thursday, August 21.
Thus, the average interest rates proposed by banks for a loan over 20 years evolve in a range between a minimum of 3.30% for the PACA, Occitanie and Auvergne-Rhône-Alpes regions and a maximum of 3.45% in Brittany and in the Pays de la Loire, two regions where they are slightly increase (+0.05 point) over a month. According to borrowed data noted on August 19, a region is however slightly more attractive, since the rates charged in Burgundy-Franche-Comté are limited to 3.25% on average.
The best interest rates at 2.90% over 20 years
For the best files, with significant income and contribution, floors are also variable from one region to another. Count for example 3.04% after negotiation in Burgundy-Franche-Comté and 3.05% in New Aquitaine or in the Pays de la Loire. On the other hand, in Corsica, Paca, Occitania or Auvergne-Rhône-Alpes, interest rates at 2.90% can be granted to the best candidates, according to Borrow. A minimum rate which has not changed between the months of July and August 2025, and which corresponds to that observed by the broker youfinance over 20 years.
If these interest rates may still appear high compared to those practiced in 2021 or 2022, when they could be less than 1% over 20 years, everything suggests that they should go back in the coming months. The fault of End of the cycle of drops in the European Central Bank (ECB) and upwards of OAT’s rates at 10 years from France-that is to say the rate from which it borrows. Indeed, the rates of the ECB, just like that of the OAT, serve as a benchmark for the banks to fix their borrowing conditions.
To make sure, the rate of France’s OAT could climb more strongly In case of censorship of the Bayrou government As part of the 2026 budget vote. And that is without counting that certain banks have already achieved their annual credit production objective. Thus, they could be more difficult to convince in the coming months. In short, you will understand: if you have an already well advanced real estate project, Do not delay to materialize it.
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