Real estate loan rates continue to fall at the start of 2025. Some households can even borrow below 3%. Income, savings, contribution… Discover the criteria to meet.
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– Mid-January 2025, average mortgage rates are 3% over 15 years, 3.15% over 20 years and 3.30% over 25 years, observes Artémis Courtage.
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Good news if you are planning tobuy real estate, credit ratewhich had soared in 2022 and 2023, continue to decline at the start of 2025. As of this Monday, January 13, “we have now received all the bank rate schedules for January, with decreases of 0.10 to 0.20 points” compared to December, indicates Capital Ludovic Huzieux, co-founder and general manager of Artémis Courtage. These reductions bring average mortgage rates to 3% over 15 years, “a rare duration”specifies the broker, at 3.15% over 20 years and 3.30% over 25 years.
“The most beautiful files can even obtain rates below 3%”adds Ludovic Huzieux. Its competitor Vousfinancer also cites “a bank which offers a rate of 2.99% over 20 years to the best profiles, a first since March 2023”when rates had risen above the 3% mark. And the broker Meilleurtaux reports a “excellent rate of 2.94% over 20 years”.
Real estate loan: this new banking offer allows you to obtain a great rate on one condition
A contribution representing 10 to 15% of the real estate purchase
What conditions must a borrower meet to qualify today for a rate lower than 3%? First, the monthly loan payment to be repaid must not exceed 33% of its income. A proportion which rises to 35% when adding the cost of insurance associated with credit, according to the rules imposed on banks by the High Financial Stability Council. Then his contribution staff must represent 10 to 15% of the amount of the real estate purchase. Finally, his income must be substantial, “between 80,000 and 100,000 euros per year for a couple and between 50,000 and 60,000 euros for a single person”explains Ludovic Huzieux. Borrowers likely to benefit from the best rate scales, or even to negotiate them even lower, are “those who do not present risks for the banks”he summarizes.
And the general director of Artémis Courtage added: “What attracts banks are the prospects of the relationship with the borrower”beyond the flagship product that is the real estate loan. Banks will therefore be more inclined to grant you a low rate if you have a residual savings likely to be invested in life insurance or other investment products. Not to mention that this savings – which remains after deduction of the personal contribution allocated to your real estate purchase – reassures the banks about your ability to meet possible necessities, such as renovation work or the purchase of a car. .
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