You have been thinking about buying a property for several months but preferred to wait until the start of the school year, in the hope of a further drop in credit rates. Well done! “After stagnating in August, rates are starting to fall again in September, at all banks and for all loan terms,” Maël Bernier, communications director at Meilleurtaux, told Capital on Tuesday, September 3. The average 20-year credit rate fell by 0.20 points this month, compared to the beginning of August, to between 3.55 and 3.60%, notes the broker’s spokesperson. The same observation at Vousfinancer, which reported, on Tuesday, rates down by 0.10 to 0.30 points, to 3.40% over 15 years, 3.60% over 20 years and 3.80% over 25 years. And the lowest negotiated rates reach 3.1% over 15 years, 3.2% over 20 years and 3.4% over 25 years.
Rates that thus return to their 2014 levels, before the decline that began in 2015 which brought them below the 1% mark in October 2020. “A rate of 3.60% with inflation around 2%, as is currently the case, is something quite classic,” estimates Maël Bernier. And it is a rate that allows you to borrow 15,000 euros more than a year ago, underlines Vousfinancer, taking the example of a couple who earn 4,000 euros per month and who wish to repay 1,320 euros of credit per month. A year ago, with a rate of 4.27%, they could only borrow 212,800 euros. Today, they can borrow 228,006 euros, (…)
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