And three! As in June and July, mortgage rates are stable at the beginning of August, according to the scales addressed by banks to brokers. They are thus 2.96% on average for credits over 15 years, at 3.10% for those over 20 years old And at 3.18% for 25 years loans, notes the Pretto broker. Rates decreased by approximately one point compared to their peak at more than 4% in the fall of 2023, which corresponds to the average of the last 25 years.
But some borrowers can hope for rates below 3%! Starting with the “good profiles», Which earn at least 70,000 euros per year for a single person and 100,000 euros for a couple in Ile-de-France, details Pascal Courtois, manager of banking relations at Artémis Courage. Amounts which amount respectively to 50,000 and 80,000 euros in regions.
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First-time buyers, large winners of rates
Another category of households likely to win a loan at less than 3%, those who engage in renovate The good bought. Popular banks and Savings boxes offer, for example, a reduction from 0.10 to 0.30 point in the mortgage rate if buyers carry out, within 40 months, to energy renovation work to improve the energy performance diagnosis of two notches.
More unexpected, the third and last group of borrowers capable of obtaining a rate under 3% – and even below 1%! – is that of first-time buyers. Main victims of the rate outbreak in 2022 and 2023, due to a generally low personal contribution, people who buy their main residence for the first time are “The big winners” Improving credit conditions, estimates the Consulting Finance Broker.
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The extension of the PTZ to the rescue of first-time buyers
Not only does the drop in rates restore room for maneuver, but they also benefit from the widening, since April 1, of zero -rate loan (PTZ) to the entire French territory and new individual houses. Last year, this loan, helped by the State and reserved for first-time buyers, under resource conditions, only funded the purchases of new apartments in tense areas, where the demand for housing is much higher than the offer.
“Between the first and second quarter of 2025, the number of files funded for first-time buyers with an interest-free loan jumped 34% in our network”over a year, testifies the CAFPI broker. “Young buyers can have very advantageous conditions for their first purchase, especially in new”adds to Pretto. And the broker to quote the example of a first-time access client, who buys a new two squares of 35 square meters in relaxed zone, at a price of 175,000 euros. It has a personal contribution of 35,000 euros, or 20% of the amount of the operation. Buying your first accommodation in the new, and winning 20,000 euros net per year allows it to obtain a PTZ, up to 75,000 eurosover 20 years.
A rate of less than 1%
In addition, aged 24, he benefits, up to 14,000 euros, from the “first young” loan from the Caisses d’Epargne, intended for children under 36 eligible for PTZ, without interest, capped at 20,000 euros, and whose duration can go up to 20 years. Several banks have set up, in the first half Loans at so -called improved ratebetween 0% and 2%, reserved for first-time buyers. Thanks to the PTZ and the Primo loan, our young buyer borrows 89,000 euros at zero rate.
Its contribution amounts to 35,000 euros, it only remains “only” 51,000 euros to borrow via a conventional credit, at the rate of 3.55% over 20 years. But the 89,000 euros borrowed at zero rate representing almost 64% of the total of three credits, the rate for all of its funding stands at Only 0.97%excluding insurance, calculates Pretto. As during the exceptional period from 2020 to 2021, when the rates oscillated between 0% and 1%! He thus saved 53,000 euros out of the 20 years of his credit, compared to the cost he should have endured a year earlier, when the relaxed areas were not eligible for PTZ.
