Rates real estate loan which go up, and wear rate which are falling: the news is not necessarily good for households wishing to borrow over a long period. Published in Official newspaper of March 28, the attrition rates that apply from April 1 for the second quarter of the year are indeed slightly down on the previous quarter. As mortgage rates rise, this could create a “scissor effect” penalizing some households, according to the broker Vousfinancer.
As a reminder, the usury rates are set every 3 months by the Banque de France and designate the maximum rate beyond which a bank is not allowed to lend. They are calculated by increasing by one third annual percentage rate of charge (APR) average applied by banks during the previous quarter.
More difficult loans
As of April 1, 2022, usury rates are rising for short durations (from 2.4% to 2.43% for loans between 10 and 20 years). On the other hand, the wear rate for loans over 20 years and more continues to fall and has reached 2.40%. A decrease of 0.01% compared to in the first quarter of 2022 (2.41%), but by 20 points compared to the same period a year ago (2.60% in the second quarter of 2021).
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See also
– Macron reforms: is life insurance transfer really possible?
– Fuel prices, shortage of vehicles… Car rental prices are soaring
– Energy check 2022: how to take advantage of the aid up to 277 euros sent from Wednesday
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