In mid-September and in all our regions, the rise in credit rates continues.
On the scales received from our banking partners, we note increases ranging from 10 to 30 cents depending on the region and the duration of the loan. If the average rate over 20 years is almost everywhere in France at 2%, the south-west and the Auvergne Rhône-Alpes region are slightly better off. Respectively, buyers can obtain an average rate over 20 years at 1.85% and 1.95%. For borrowers who have very good records, the minimum rates over this same period vary between 1.52% (still in the south-west) and 1.87% (in the east).
Analysis by Cécile Roquelaure, director of studies
Real estate rates continue to rise. And it is not a surprise in view of the evolution of OATs (bonds assimilated to the Treasury) which continue to progress. From 2.10% a week ago, they fell to 2.25% on September 15. If the increases in credit rates seem homogeneous, there are nevertheless disparities which depend on the one hand on the financial strategy of the banks and the level of their need for refinancing, and on the other hand on their commercial strategy.
Thus, depending on the region and sometimes even depending on the precise location of the purchase project, there may be significant differences in rates and above all more or less significant negotiation possibilities. “Finally, for the management of credit rates, we can say that there are as many differences as there are regions” specifies Cécile Roquelaure, director of studies at Empruntis.