Real estate credit: isolated rate increases in April and banks that remain leaning?

The Pretto broker evokes an increase, however “contained”, of mortgage rates for April, on the basis of the first scales received from banks. However, these seem to remain wishing to support the resumption of real estate purchases, after more than two years of crisis.

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At the end of March, brokers in mortgage receive the first rate scales from banks for the month of April. Scales that seem to testify to news isolated increasesas had been the case in February, after 13 months of continuous decline. In a press release published this Thursday, March 27, Pretto evokes an increase, “Content”understood Between 0.01 and 0.06 pointcompared to March. This would bring average rates to 2.92% for credits over 15 years, to 2.99% over 20 years and 3.04% over 25 years, according to broker data.

“The recent decision of the European States to strengthen their military defense led to a significant appeal to state loans, generating a strong fluctuation of Oat (Assimilable bonds of the Treasury) “explains Pretto. The rate of remuneration that international investors, in the financial markets, demand to lend France over 10 years amounted to 3.45% This Thursday, against 3.15% in early March. “Banks that finance themselves in the financial markets, mainly the major national banks, have therefore passed on in their pricing grids” From the OAT at 10, explains the broker.

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Banks always looking for customers

An impact without much consequence for real estate buyers, however. Taking the example of a couple who wishes to borrow 260,000 euros, Pretto indicates that in March, with a rate at 2.98% over 25 years, its reimbursement monthly payment amounted to 1,230 euros. With the April increase, from 0.05 points in the case of this couple, the rate increases to 3.03%, hence a monthly payment of 1,237 euros, or Only 7 euros more. “”The slight increase in rates in April should not hide the fact that certain banks remain in a logic of acquisitionCustomers, also underlines in the Pierre Chapon press release, President of Pretto.

Caroline Arnould, Director General of CAFPI, she received two increases in April for April, one of 0.25 points compared to March and the other of a “Similar magnitude”. You are also cited this increase of 0.25 points from a bankon all credit times. An evolution that Caroline Arnould judges “A little against the market, the banks still wanting files” funding request. Especially in the context of the return of the “spring of real estate”, the traditional season of purchases of houses and apartments, which took place neither in 2024 nor in 2023, due to the outbreak of credit rates.

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Support the widening of the PTZ

Caroline Arnould also invokes “The Booster” of the real estate market that should represent the expansion of zero -rate loan. From April 1, he will finance new the purchase of new houses and no longer just apartments, and throughout France, while the PTZ was previously circumscribed to the tense areas, where the housing supply is much lower than demand. There is no doubt that the banks will be keen to accompany this boost to the first-time buyers. “We already see it in advertisements”notes Caroline Arnould.

“The“ research ”effect of files by banks can still play (favorably) on rates, the 0.25 point increase in one of them should not be generalized, most banks should keep stable rates in April”adds Maël Bernier, spokesperson for best. For whom we must however not hope for new general decrease in rateswith an OAT at 3.45%.