2023-12-05 11:12:49
The real estate loan market continues to show notable stability at the end of the year, offering advantageous conditions to borrowers. The most competitive rates, maintained at 4.50% over 15 years and 4.75% over 25 years, have not suffered the feared increases linked to the key rate in 2022, according to the online real estate loan comparator, Afdal. my.
4.75%. This is the most competitive rate you can claim for a property loan over 25 years or more, according to Afdal.ma. This pricing has been unchanged for several months and November is no exception to this trend, according to the comparator data. Over a period of 15 years, the most advantageous offers come out at 4.50%.
As the year closes, the anticipated surge in real estate rates following the key rate increases in 2022 has not materialized. On the contrary, the financing conditions remained relatively attractive, especially for candidates presenting quality applications. The price adjustments made by the banks were therefore very modest compared to the evolution of reference rates.
Furthermore, buyers benefited from a slight drop in residential property prices over the first nine months of the year, partially neutralizing the impact of rising interest rates in some cases. With housing sales in sharp decline, developers might lower their prices further to stimulate demand.
Despite a complex context, the stability of the key rate and the return of inflation to acceptable levels are encouraging factors, suggesting at least a status quo for real estate rates.
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