Real estate credit: with the drop in rates, here is how much you can borrow according to your salary

The rates of real estate credits over 25 years have dropped by more than one point in 18 months. Find out how much your borrowing capacity has increased, depending on your salary.

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The quadrupling of mortgage rate, In two years, brought them to 4.50% in September 2023 for 25 years. After a almost continuous drop Since that date, here they are at 3.30% in February 2025. What are the concrete consequences of this decline of 1.20 point in the average rate of credits over 25 years for candidates for real estate purchase? A borrowing capacity of an additional 12,000 euros For a person earning 1,500 euros net per month, according to simulations published by Artémis Courage this Wednesday, February 5. This allows this profile to borrow today 101,000 euros, against 89,000 euros in September 2023.

A cleaning whose monthly net salary amounts to 2,500 euros sees its capacity to borrow from 20,000 euros, to 168,400 euros. If you earn 5,000 euros net per month, you can currently borrow Almost 40,000 euros more that 18 months ago, hence a total borrowing capacity of 336,700 euros. Finally, with a salary of 10,000 euros net, your borrowing capacity reaches 673,500 euros in February 2025, or about 80,000 euros more than in September 2023.

Rates at 2.99 % in 2025?

How will your borrowing capacity evolve by the end of the year? Again favorably, according to Ludovic Huzieux, co -founder of Artémis Courage. Certainly, in February, Some banks have – slightly – brought up their rates mortgage, unheard of for 13 monthsreflecting the increase in borrowing rate at 10 years from Francewhich tuned the 3.50% in January, against a background of political instability. But theOat 10 years already fell to 3.14% today. Ludovic Huzieux sees in this withdrawal “The anticipation, by the financial markets, of the adoption of the finance bill for 2025”, that the censorship of the Barnier government has delayed.

The broker does not exclude others “Durgits” OAT 10 years during the year but did not “No roller coaster”. He therefore estimates that mortgage rates go “Stabilize or even lower a little, in 2025 ”. Especially since the European Central Bank should continue to lower its rates, the development of which partly conditions that of mortgage rates. Thus, Ludovic Huzieux does not judge “Not crazy to think that the rate of 2.99%proposed in February by SG (ex-general and Crédit du Nord) for all durations and profiles of borrowers, can become the market average in 2025 ”. “Banks are lent”he insists. For the right reason that “Many of them have made very little customer conquest over the past two years and therefore have very high rise in very high rise. Bankers follow one another again in our offices to ask us to send them files, concerning all projects and all customers ”explains the broker. Gold The first trimester is crucial To allow banks to achieve their annual real estate credit production objectives. A good hearing …