Access credit for rental investment is no longer a simple formality. Since 2026, banks have been tightening the screws on two fronts: they are only retaining 70% of rents in the calculation of debt and claim, most often, 15 to 20% contribution staff. Thus, projects that passed yesterday today come up against the threshold of 35% debt.
However, solid applications can still be financed, provided they are treated like a mini-company: suitable legal arrangement (proper name, SCI with IR or IS), credible rental business plan, sourced market study, balance between yield and location, and well rated in the DPE (D minimum). “It is impossible to circumvent the current tighteningwarns Thaïs Castang, associate of the L & A Finance firm. The difference now lies in the structuring of the file. »
Understanding the new rules of the hardening game
With the “70% rule”, many shots become too tense. “The real sinews of the war remain the debt ratio : extending the duration, increasing the contribution or resolving certain loans often becomes essential to stay below 35% »underlines Thaïs Castang. Another turn: “The f110% funding have become rare. Now the banks are waiting 15 to 20% contributionwhile especially looking at the ability to maintain security savings. »
Method and checklist for putting together a “bankable” file
Take care of the content and the form. “There is a bonus for well prepared filesdocumented and complete »insists Charles Ruven President of Ruven Office-member of Adunéa. Present your own accounts, stable savings and a solid rental and administrative management plan. The assembly must consider all parameters : contribution, duration, possible deferral, financing of works and furniture. The rate matters, but “is only one component” of the investment equation.
Choosing the right asset: DPE, location and realistic yield
THE choice of good now weighs heavily. “Banks favor properties with a DPE D minimumin dynamic zones and easy to re-rent »notes Thaïs Castang. A profitable location can compensate for an average gross yield; the opposite is difficult to defend. Support your business plan: sourced market rents, realistic vacancies and charges, rate scenarios. Your objective is to demonstrate the resilience of cash flow and the ability to absorb uncertainties.
