Real estate credit: Rates remain stable in June 2025, soon under 3%?

The brokers interviewed by Capital report a stability in mortgage rates for June.

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Like the prices of old real estate, the credit rate Turk up at the beginning of June. On the basis of the dozen banks of the banks received this Monday, June 2, Sandrine Allonier, spokesperson for the Vousfinancer broker, reports to Capital a “Relative rate stability” For the month of June, as in May. Stability confirmed by Pascal Courtois, responsible for the banking relationship at Artémis Courtage, as well as by Pretto, who notes that “The rate grids remain stable in the majority of establishments “. The rates are thus 3.15% for credits over 10 years, to 3.35% for those over 20 years, the most common duration, and to 3.45% for loans over 25 years, according to borrowed.

“We still observe rate increases, in certain regional banks as well as in a national establishment, but only 0.10 points to the maximum”Sandrine Allonier nuance. Increases that the spokesperson for youfinance attributes to the will of the banks of “”curb the flow of credit files, processing times being high “ Due to the increase in funding requests linked to the drop in rates at the start of the year. “Banks adjust rates to their file absorption capacity”adds Pascal Courtois, adding that it allows them to earn a little more money. They would be wrong to deprive them, “The demand for credit being good at current rate levels”complete Sandrine Allonier.

Real estate: the 5 large cities where prices still unscrew in June 2025

Rates below 3% before summer?

The few rate increases communicated by banks seem all the more anecdotal to him since “”negotiation margins remain importantl, with, for example, the possibility of obtaining a rate of 2.80% over 25 years ». “Some profiles can take full advantage of the competition that banks are engaged in attracting new customers to them, benefiting from decorations”Assisce Pretto. The most sought-after profiles are young people under 35, first-time buyers and CSP+ earning more than 80,000 euros per year, details the broker. The latter category of population benefits from rate of 2.8% over 15 years, 2.9% over 20 years and 3% over 25 years.

When is a 3% rate for everyone? Pascal Courtois “Hope This symbolic threshold will be crossed before summer»»thanks to the rate from which France borrows at 10 years old, fell today at 3.16% when it had tutored the 3.7% at the start of the year, due to the risks of commercial war between Europe and the United States and a French government which risked being censored by Parliament. Without forgetting the probable new decrease in guiding rates of the European Central Bankthis Thursday, June 5. If this 3% threshold should be broken, “He must be in June, to give the future owners time to move before the start of the school year in September”insists Pascal Courtois.