Real estate purchase: “Price, credit rate … The planets are finally aligned, you must take advantage of it!”

In two years of crisis, the prices of old real estate have clearly dropped. Credit rates too. The president of Century 21 France, guest of the major real estate meeting (Capital/Radio Immo), thus tables on a rebound of almost 10% of the market in 2025.

Capital video: Real estate purchase: the end of the crisis in 2025 or a temporary embellie?

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After two and a half years of a real estate crisis caused by the outbreak of credit rates, you want to throw yourself in the water and finally buy accommodation. But, among other questions, you are wondering if it should not be expected that rates and prices drop a little. Here is the advice of a professional in the sector, and not just any, since it is the president of the network of real estate agencies Century 21 France, Charles Marinakis, guest of the program Le Grand Rendez-vous de l’Emalmboards (Capital/Radio) this Friday, May 23. “”Whether it is prices or rates, the planets are today perfectly aligned And it’s been a long time since we saw this, we must take advantage of it! ”he recommends.

“The French must be aware that the prices of ancient housing have dropped a lot, in the past two years, from 8% to 12%, which was an absolute necessity” After the Roaring Twenties Post-Cavid, underlines Charles Marinakis. Credit rates also fell, brought back from a peak of more than 4% at the end of 2023 to around 3.20% on average today. To those who object that, more than 3%, it’s still too high, Charles Marinakis recalls that “”rates between 3% and 3.5% are not incoherentwe have already seen these levels, which also allow banks to earn a living ”.

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850,000 transactions in old real estate in 2025

As long as the rates are maintained in this fork, Charles Marinakis does not exclude a Rebound of almost 10% of the number of real estate transactions in France this year, at 850,000. A figure he estimates to be “The size” Normal of the market, far from the 1.2 million 2021, when the rates did not exceed 1%. Another condition must however be fulfilled to allow such a recovery of the market: the rise in prices, which is already observed in places, “Should not be greater than 3%, otherwise buyers will lose the purchasing power they have returned to the drop in rates”warns Charles Marinakis.

A warning for the sellers: “What the buyer gives you as a price is as much money that he cannot put in his credit repayment monthly.”this does not have to exceed 35% of its income according to the rule of the High Council for Financial Stability. Rule that some real estate professionals would like to see softens. Not Charles Marinakis, who assumes “”take the counter-footage of the brokers ”. “I am fiercely against such softening. We cannot consider this protective measure as excellent when the real estate market is well, then wanting to put it in the trash when it is wrong. Moreover, When you buy a main residence, the idea is not to get into financial difficulty. Finally, a relaxation of the rule would result in an increased risk of non-reimbursement of credits, which would lead the banks to raise their rates ”Cingle the boss of Century 21.