Real estate credit: should we take now? Here is why the answer is yes

For the third consecutive month, the mortgage rate scales for July are stable. A floor now seems to be reached.

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If the mortgage brokers have a advice to give candidates for ownership of ownership, at the beginning of July, it is not to refuse a loan offer Under the pretext that rates could further drop. The scales for July, which banks have just sent to brokers, show a new rate stability, as has been the case for three months, after a continuous drop for their peak at more than 4% at the end of 2023.

Average rates thus remain 3.10% over 15 years, 3.20% over 20 years and 3.30% over 25 years, indicates to Capital Pascal Courtois, manager of banking relations at Artémis Courage. “The rates no longer drop, I think thatWe arrived at a floor“, he explains, recalling that “3%is the average rate we have experienced in the past 25 years. The range from 0% to 2% from 2019 to 2021, that’s what was not normal! ”

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His sister Caroline Arnould, director general of Cafpi, also does not think that the rates can go down much lower. She invokes the OAT (assimilable bond of the Treasury) at 10 years old, which “No longer drops, now 3.2%”. This is the rate of remuneration required by international investors to lend money to France. Banks borrow on markets at this rate of 3.2% “While they lend 3.16% over 20 years to real estate buyers. It is not easy for them ”underlines Caroline Arnould. Understand, they do not earn money, And even lose a little.

The CAFPI Director General recommends that borrowers today sign the mortgage offered to them, “”without waiting for a hypothetical drop in rates by the end of the year “. An opinion shared by Pascal Courtois, especially since with the arrival of the long holidays, the banks have fewer staff to process credit requests: “It is better to accept today a slightly high rate than to take the risk of finding yourself outside the delay to sign the act of authentic purchase from the notary!”.

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Decoards negotiable on a case -by -case basis

“Banks have no interest in lowering their rates since buyers’ demand is there!”adds Sandrine Allonier, spokesperson for Toufinancer, who made one of her best months in June for at least two years. It is however possible to “negotiate Decoards on a case -by -case basis»»she assures, for example at 2.75% over 15 years and 2.90% over 20 and 25 years. Drags “Reserved for beautiful income”she nuances. Pascal Courtois abounds in his sense: “Only the good profiles can hope to borrow at less than 3%». A “good” profile is at least 70,000 euros in annual income for a single person and 100,000 euros for a couple in Ile-de-France. Amounts which amount respectively to 50,000 and 80,000 euros in regions.

Banks do not forget the first-time buyersa clientele that has a strong equipment potential in other banking products, such as savings book for children. “While we thought that their loans at improved rate (lower than market rates) or doubling the amount of zero -rate loan would stop at the end of the first half, many banks extend these offers until December”notes Sandrine Allonier. For whom “Banks remain in strong conquest” customers.