A bank agrees to finance your projectReal estate purchase At the rate of 3.20% over 20 years and you pout, disappointed not having obtained 3%, or even a little less? Don’t be fine! At the beginning of September, “If we have a good offer, we go, it’s time!”recommends Aga Bojarska-Serres, Deputy Managing Director of the Bestaux broker. Like her sister, Caroline Arnould, Director General of Cafpi, judges that “It is The right time to secure your rate of credit If we have a well advanced real estate purchase project ”. “Waiting to hope to get a lower rate is not the best strategy”echoes the Pretto broker.
Aga Bojarska-Serres justifies this advice by a tendency “Rather hesitant” rates After four to five months of stagnation, which ended the drop between the end of 2023 and the end of 2024. “Quite limited, from 0.10 to 0.15 point on average”nuance the manager. Hence average rates of 3.22% over 20 years and 3.35% over 25 yearson September 1, 2025, she said. Of the five rate scales received by her sister Sandrine Allonier, spokesperson for Vousfinance, three are stable but the other two display increases of 0.10 points. Increases that one of these two banks – a large national establishment – justifies by “A context of increased interest rate, political instability, social tension and in the financial markets”.
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Rates that depend on the strategies of each bank
The rate of the 10 -year OAT, from which France borrows on markets from international investors, has indeed passed above 3.5% Since the announcement, at the end of August, by the Prime Minister at the end of August, of his intention to request a vote of trust with deputies on September 8, which is likely to be fatal in the Bayrou government. Concretely, this means that banks today borrow at 3.54% on the markets while they consent real estate credits to 3.22% over 20 years. In other words, they lose money ! “It can’t stay long, it’s an old banker who tells you”warns Aga Bojarska-Serres. “The rates remain generally stable but it can move quickly, the banks can decide to go up them because they will not lend at a loss”ABSUDE Pascal Courtois, responsible for the banking relationship at Artémis Courage.
A decision that will also be based, in this mid-2010, on the level of achievement of their annual credit production objectives: if some have almost fulfilled them, “They are not going to rush to make unnecessary rate drops”warns Pascal Courtois. Banks a little behind their objectives, or less dependent on finance in the markets, such as Mutual groupscould conversely keep offensive rate policies to attract new customers. Sandrine Allonier thus cites the example of a regional mutual bank which offers a rate of 2.99% borrowers under the age of 36, for all income profiles and all credit times. “It is not bad at all, it shows that it is strongly conquering customers», Underlines the spokesperson to you.
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Always important decorations for beautiful profiles
Question profiles, precisely, “The negotiated rates very often remain less than 3% for very beautiful files”having about 100,000 euros in income Annual for two, says Caroline Arnould, citing rates of 2.86% over 15 years and 2.93% over 20 years. “With a rate of 3% over 25 years for a very nice profile, we must consider ourselves happy”, Complete Pascal Courtois. On the other hand, “The least affluent borrowers, in terms of income as on that of savings, will be the most impacted” By the (light) rates that swarm from here, note Aga Bojarska-Serres.
