Real estate credit: how to obtain a reduced rate from a point thanks to this new offer

While mortgage rates remain greater than 3%, a promoter and a broker join forces to reduce your interest charge. Please note, this offer is only valid for a few weeks.

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After having quadrupled between the beginning of 2022 and the end of 2023, mortgage rates have continued to decrease but they remain greater than 3%. For a 20 -year loan, the most common duration, you will get on average a rate of 3.20% in March. But a new offer, proposed by the promoter Icade and the Better Cartier since March 13, allows to reduce it by a point.

Concretely, if you sign a contract to reserve accommodation in one of the 56 Icade programs eligible for this offer, the promoter sends you better in order to set up your financing file. If the broker gets you “A 3%credit, you will actually benefit from a rate to 2%, Icade funding the difference between 3% and 2%»»explains Maël Bernier, Director of Bestaux Communication.

Banks and promoters compete in offers for aspiring owners

However, this rate drops, however, applies to the portion of the limited credit to 150,000 euros, As part of the purchase of a 5 -room part. If you borrow 300,000 euros to buy a T5, the rate will be reduced from 3% to 2% on only half of the credit, or 150,000 euros. The second half will be at the rate of 3%. “The drop from one point of the credit rate applies on a maximum of 30,000 euros per room”that is to say on 60,000 euros for a two rooms, 90,000 euros for a three rooms and 120,000 euros for a T4, lists Charles-Emmanuel Kuhne, director of the promotion of Icade.

While after two and a half years of real estate crisis, a timid recovery seems to begin, other promoters and banks launch loans from 20,000 to 60,000 euros, at zero rate, to complete the main credit. “But if you get 20,000 euros without interest, you have no less than 160,000 euros to borrow at a rate of more than 3%. Our offer makes it possible to obtain lower rates on large borrowing amounts»»underlines the director of the promotion of Icade.

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An offer valid until April 30

In addition to this drop from a credit rate point, The promoter is responsible for the brokerage costs. Costs which he estimates at 1% of the amount borrowed, or 2,000 euros in the case of a credit of 200,000 euros. If Icade does not communicate on the amount that represents, for him, the coverage of the drop in rate and brokerage fees, “This does not jeopardize the profitability of the company, this sum enters our usual envelopes of purchase aid”smiles Charles-Emmanuel Kuhne. The objective being to “Resolvabilize access to ownership who lost 20,000 to 25,000 euros in purchasing power, the equivalent of a room”due to the real estate crisis, explains the manager.

Isn’t the idea also facilitate the marketing of “programs” or programs whose marketing would start in a slow manner? “Commercial dynamics have been pretty good since September”retorts Charles-Emmanuel Kuhne. A dynamic that he intends to accelerate with this offer, valid for Reservation contracts signed until April 30 Of the 56 Icade programs concerned. Some 200 dwellings, which represent around 10% of the promoter’s stock.