Real estate rates: thinning finally reaches Île-de-France

The month of September 2024 was a game changer for real estate credit. For the first time in many months, rates have fallen massively in the country. Île-de-France is no exception to this trend. Discover in detail, thanks to the figures from our barometer, the key indicators of the region.

Borrowing rates noted on 09/27/2024

Average rates down sharply

To begin with, here are the average rates practiced at the end of September in Île-de-France:

Fixed rates excluding insurance and according to your profile. Rates updated as of 09/26/2024 by Empruntis.com. Rates compared to 08/20/2024.

Even if the reductions in Ile-de-France are less impressive than in other areas of the country (we observe for example – 0.25 points over 25 years in the Grand Est), they remain significant and reflect a general improvement in offers. In the space of four weeks, all loan durations saw their average erode by at least 0.1 point. The decline is even more marked for loans taken out over 20 years or more (-0.15 points).

Larger trading margins

Beyond the average indicators, it is interesting to look at what it is for the best distributed rates. As a reminder, they correspond to the lowest offers granted today by the banks. Exclusively reserved for the strongest applications, they allow you to get an idea of ​​what can be obtained by very good profiles.

Fixed rates excluding insurance and according to your profile. Rates updated as of 09/26/2024 by Empruntis.com. Rates compared to 08/20/2024.

We therefore notice that the declines since August are wider here, ranging from 0.15 to 0.20 points. This demonstrates the organizations’ desire to offer, at the start of autumn, particularly competitive offers in Paris and its region. At certain establishments, discounts of up to 0.60 points have recently been observed.