2023-10-01 01:46:57
Published on September 29, 2023 at 12:03 Updated on September 29, 2023 at 5:21 p.m.
The wear rate continues its inexorable rise and is now approaching 6%. This ceiling rate beyond which banks are not allowed to lend is set at 5.8% from October 1 for a mortgage loan over 20 years or more, according to data published in the “Journal Officiel” this Friday. . A spectacular increase since it was still at 3.57% in January and only passed 5% this summer.
This rise is linked to the monetary tightening carried out by the European Central Bank (ECB) since the summer of 2022, which has increased the cost of banks’ resources and therefore the level of credit rates that they offer to customers. The calculation of the usury rate reflects the average rate charged by banks, increased by a third.
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