rates resist winter frost

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.

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!