HAS As winter sets in, real estate rates also experience a slight cold snap. While the decline in rates slows down, or even freezes, can we predict a future rise ?
Borrowing rates noted on 01/22/2025
Stability and declines for almost the entire country
Overall, real estate rates continue to see a slight decline in mid-January. And this was not a sure thing, with the 10-year OATs which recently experienced an increase, going from 3.20% to 3.47%, then a slight fall on January 16 to return to 3.36%.
A movement which could have had a significant impact on rates, and yet it has not yet happened. Indeed, of the 130 average rates analyzed by Empruntis data:
- 72 rates are falling;
- 57 rates are stagnating;
- Only 1 rate saw a slight increase of 5 basis points, in Normandy for a loan term of 7 years.
Observations which are found on average rates over 25 years, a key indicator of market dynamics.
| Region | Average rate over 25 years | Monthly evolution |
|---|---|---|
| Auvergne-Rhône-Alpes | 3,50 % | Stable |
| Burgundy-Franche-Comté | 3,45 % | – 0,05 point |
| 3,50 % | Stable | |
| Center-Val de Loire | 3,45 % | – 0,05 point |
| Corse | 3,50 % | Stable |
| Great East | 3,45 % | -0,05 point |
| Hauts-de-France - | 3,50 % | Stable |
| Île-de-France | 3,55 % | Stable |
| Normandie | 3,50 % | Stable |
| New Aquitaine | 3,45 % | Stable |
| Occitania | 3,45 % | -0,05 point |
| Loire region | 3,50 % | Stable |
| Provence-Alpes-Côte d’Azur | 3,50 % | Stable |
As for the best rate over 25 years, reserved for profiles with the most convincing borrower files, it is 3.14% across all regions. Either a symbolic decrease of one basis point.
Will the end of the fall in rates come with the end of winter?
The year therefore begins in a context that remains favorable for borrowers! But the slowdown in the fall in rates may suggest a slight rise to follow. This is perhaps the best time to make your project a reality!
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