Real estate credit: the ECB is lowering its rates, here is what borrowers will benefit the most

The European Central Bank has once again lowered its rates this Thursday, June 5. This 25 -point -based withdrawal could encourage banks to lower their mortgage rates. Especially for a certain category of buyers.

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The European Central Bank (ECB) did not disappoint the hopes of real estate borrowers. This Thursday, June 5, she continued the drop in her guiding rate Started a year ago, with a new withdrawal of 25 base points, the eighth in 12 months. “”A positive signal for borrowers»»salutes the Pretto broker, since the banks, which are partially refinance with the ECB, “Could thus review their rate (mortgage) rate rates” down “ in July. This, combined at a 10-year-old state loan rate fell to 3.2% today against 3.5% in March, should allow banks to continue to offer attractive rates in the coming weeks, “adds Sandrine Allonier, spokesperson for the broker youfinance, who also sees it “A very positive signal for those who have a short -term real estate project». Rates remained stable in June, at just over 3%, against a peak of more than 4% in the fall of 2023. Pascal Courtois, responsible for banking relations at Artémis Courage, even hopes that “”This 3% psychological threshold will be broken this summer»». His sister Caroline Arnould, CAFPI Director General, does not doubt that the rates will pass Under 3% by the end of the year.

A downward trend that should benefit a specific category of borrowers, particularly courted by banks at the moment. These are the first-time buyerswhich buy their main residence for the first time, and who were the first victims of the outbreak of credit rates in 2022 and 2023, insofar as they generally have little personal contribution. At CAFPI, the number of first-time receipt files jumped 133% over the first four months of 2025. It must be said that beyond the drop in credit rates for a little more than a year, first-time buyers have benefited, since April 1, from the expansion of zero -rate loan (PTZ) to the entire French territory and new individual houses, in addition to new apartments. The PTZ is indeed reserved for first-time buyers.

Real estate credit: how banks set your rates and why

Primo-receivers “wealthy, main target of banks

Proof of the revival of banks for this category of borrowers, several of them now offer to complete the PTZ with Bonus loan loansthat is to say lower than market rates. LCL, LCL, which offers until June 14 a loan of maximum 50,000 euros at the rate of 0.9% for people buying their first main residence or who acquire a very energy -consuming, noted A, B or C on the energy performance diagnosis (DPE).

Please note, banks are more particularly interested in “Primo-actors under 35, CSP+ with more than 80,000 euros in annual income and a strong ability to save”underlines Pretto. An average age of 34 years, 84,400 euros in annual income, earned alone or in two, a loan of 293,000 euros at the rate of 3.3% to finance the purchase of a property of 95.5 square meters sold 353,000 euros… this is the robot portrait of new owners In the first quarter of 2025, drawn by the broker. It is indeed this type of clientele which, once closed by the granting of a mortgage, presents the most important potential of “equipment” in banking products.