Real estate credit: rates go back in April, should you worry?

At the beginning of April, the broker Tousfinance notes increases in credit rates in more than half of the scales received from banks.

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Is this the end of the drop in mortgage rateafter more than a year of withdrawal? In February, already, Some banks had raised their ratesfor drop in March. At the beginning of April, YouFinance observes “Credit rate increases in more than half of the scales received” from banks, “The others being stable”. These lifts, which are both the result of national banks and regional establishments, run out Between 0.10 and 0.50 point. This brings average rates to 3% for credits over 15 years, to 3.20% for those over 20 years and 3.40% for 25 years, details the broker.

And, while he and his colleagues questioned last week on the possibility of a new renewal of SG’s promotional offer (ex-general company), which had struck very loudly in February and March with a rate of only 2.99% for all credit times, the ax fell: “The bank has just ended”indicate youfinance. SG rates go back between 3.20 % and 3.50 % for 20 years loans, said the broker.

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Mortgage rates remain low

“In April, part of the banks clearly reflected the increase in the rate of state loan at 10 yearswhich reached 3.50 % in March “due to geopolitical and economic uncertainties, explains Julie Bachet, director general of Vousfinancer. Banks funding partly in the financial markets, they have the increase in the rate of theOat (Treasury assimilable obligation) at 10 years, required by international investors to lend France, on their mortgage rates, so as not to lose money. Mortgage rates are nonetheless “Relatively low Compared to previous years “tempers the CAFPI broker. They had indeed quadrupled between early 2022 and autumn 2023, to exceed the 4%mark. “Banks continue to lend”adds Artémis brokerage.

“All keep the possibility of lowering their rates on a case -by -case basis, depending on the profiles of customers they wish to capture, in particular high incomes, those who can repatriate savings and first-time buyers», Addes you. First-time buyers who have benefited from April 1 from zero -rate loan expanding (PTZ) From the State to the whole territory and to new individual houses. A boost that banks wish to accompany, as evidenced by Banque Populaire and Crédit Agricole initiatives.

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