A bank has just given you a mortgage offer but you prefer to wait for the start of the school year to try to get a best rate with a competitor? It is not reasonable … After having dropped by approximately one point between their peak more than 4%, in the fall of 2023, and May 2025, the rates have been stagnating since June. In August again, “They will be stable”confirmed to Capital Caroline Arnould, Director General of the CAFPI broker, at 3% on average for credits lasting 15 years, 3.14% for those over 20 years and 3.27% for loans over 25 years. Above all, “Some banks tell us Small rate increases for September»»she warns.
His sister Sandrine Allonier, spokesperson for Toufinancer, has just received the rate scales of a large bank, which report 0.10 point increase On all credit times, from August. In its message to brokers, the bank in question invokes its “Refinancing conditions”. Understanding, the cost from which herself borrows money, especially in the financial markets. A cost that has increased in recent weeks: the OAT rate (assimilable bond of the treasury) to 10 years increased from 3.24% on July 1 3.37% This Wednesday, July 30, international investors demanding better remuneration to lend France, given its uncertain politico-economic environment.
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Credit objectives already fulfilled for certain banks
However, if the banks consent real estate credits at rates less than 3.37%, as is currently the case, they lose money, What they cannot afford to do for a long time! “Banks practice a price break, with stable rates, around 3.15% on average. But will this situation be tenable at the start of the school year, when they will lend at a rate often lower than their own cost of refinancing on the markets?Asks the borrowed broker.
In addition, banks are already halfway through their annual credentials of credentialst, objectives that some have already fulfilled. This is why they are likely to “Get back from October”warns Caroline Arnould. So she advises households whose real estate purchase project is well advanced and who have received a loan offer from “Do not wait” To accept it.
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Do not wait for a hypothetical drop in rate
“The rates will no longer drop, they could even increase slightly by the end of the year or early 2026”predicts the manager. The Credit Housing Observatory sees them “Possibly” has 3.40% At the end of next year. “Paying a hypothetical drop in rates can be counterproductiveconfirms the Pretto broker. The good reflex today is to check its borrowing capacity at time T, and to activate all the levers available: zero rate loan for first-time buyers, Rate discount for good profiles and targeted banking offers ”, For example, those offering a reduced rate if the buyer undertakes to carry out energy renovation work.
