Real estate credit: What monthly payment to buy a new T3 in 2025 in major cities?

The credit monthly payment required to buy a new three rooms has decreased in six of the ten largest cities in France in the past six months.

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“With the new, no work, a good Energy performance diagnosisbut it’s expensive … “ This sentence, you heard it many times during exchanges with friends, like you, to buy accommodation. It’s true, New residential real estate is more expensive that the old, due to 20%VAT, the high cost of land, building materials, and the multiplication of standards, especially environmental, which increases the cost of production. Real estate crisis obliges, the prices of the new, however, ceased to rise last year. At the same time, credit rates fell approximately one point in one year, to 3.35% on average in May 2025 for 20 years, the most common duration, according to the borrowed broker.

Under these conditions, from what Repayment monthly payment Can you acquire a new three rooms, the reference surface for promoters, in the 10 largest cities in France? Let’s go straight to the point, below 1,671 euros per month (excluding loan insurance), you will have nothing, depending on the borrowing calculations and the Internet Portal Find-a-Logement-Neuf. For this sum, you can buy a new T3 in Toulouse. It must be said that the pink city is the most affordable of the 10 metropolises analyzed, with an average price of 292,000 euros for a three rooms, down 3% over the last six months. A decrease which, coupled at the decline of 0.15 point in the average credit rate over the same period, reduces credit monthly payment by 4%.

Real estate: new housing prices still fall in these 5 large cities

Almost 5,000 euros per month for a new T3 in Paris

In Lyon too, the reimbursement monthly payment from which it is possible to buy a new T3 has fallen by 4% in the space of six months, at 2,248 euros. The consequence of a decline of 2.3% of the purchase price of a T3, which now costs less than 400,000 eurosand a decrease of 0.20 point in the average credit rate. Ditto in Nantes, where, in May 2025, it “suffices” to reimburse 1,777 euros per month to become the proud owner of 65 square meters. Or a decrease of 3% in six months.

In Bordeaux, on the other hand, the necessary monthly payment increases by 3%, to 1,801 euros, due to a 4% rise in prices. An increase without comparison with the flight of… 26% of the prices of new T3s in Paris, where new constructions are very rare. So you need to be able to reimburse Almost 5,000 euros per month To buy a new T3 in the capital, where this type of goods costs the tidy sum of 868,900 euros!