Indeed, the average rate was 1.52% in June 2022 compared to 1.39% the previous month, reports BFM TV, citing information from the Crédit Logement CSA observatory. This phenomenon is particularly marked in Île-de-France, where prices are very high. For buyers, it therefore becomes essential to negotiate as well as possible.
This rise in rates has a direct impact on the budget of households wishing to buy a property. According to estimates, this change in rates could increase the cost of mortgages by around 15,000 euros over 20 years for a loan of 200,000 euros. This new trend in real estate rates is therefore likely to keep some households even further away from access to real estate credit, which has already been made difficult by the rise in real estate prices.
Indeed, according to the latest data published by the Banque de France, the average price per square meter reached a new record in the first half of 2022, exceeding 3,000 euros in some major cities. This rise in real estate prices, combined with the rise in interest rates, therefore makes access to real estate credit increasingly difficult for households. French households are increasingly worried about rising property rates. Indeed, this increase makes access to mortgage more and more difficult. However, there are solutions to obtain a mortgage at an advantageous rate.
It is therefore important to inquire with several banks before choosing your mortgage, in order to find the most advantageous rate. Mortgage brokers can be a great help in finding the best rate. With their advice, it is possible to carry out your real estate project at an advantageous rate. The rise in real estate rates is a subject that raises many concerns among French households, because it makes access to real estate credit increasingly difficult.
Nevertheless, there are solutions to obtain a mortgage at an advantageous rate. By asking several banks and comparing offers, it is possible to find the best rate. Mortgage brokers are also a great help in finding the most advantageous rate. As real estate rates continue to climb, it is important to inquire and compare offers in order to find the most advantageous solution.
