Do you have a real estate project in sight? Wondering what are the average interest rates offered in France or in your region? ThCredither Guide provides tools to track national and regional rates. To find out the interest rates near you: choose your region below.
The best rate of the moment 0.75 Compare current rates
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Fixed rates excluding insurance taken on 12/08/2019, compared with 03/07/2019
What rate for my project?
Indeed, mortgage rates vary from one place to another; banks raise, maintain or lower their interest rates based on their market and current official central bank rates. Thus establishments in Ile-de-France have commercial objectives different from those of the North or the West and there will be differences between their offers. To get a general idea without delay, find out what real estate rate you can claim by selecting your area on our map of mortgage rates.
Analysis made on the 05-08-2019
It is hardly credible and yet: real estate rates continue to fall in July 2019, reaching values never known until then. Not a single increase and if one observes the stabilization of certain mortgage rates on certain durations, the decreases are not negligible and are observed as well for the mini real rates, reserved for the best profiles of borrowers, as for the average mortgage rates, representing those of the market.
In concrete terms, this means decreases of between 2 cents for the 20-year rate and 10 cents for the 30-year rate for the minimum rates, as well as decreases of up to 10 cents on the average rates side.
These exceptional conditions result, among other things, in a minimum real estate rate of 0.93% over 20 years. For the best profiles, this also means the possibility of negotiating the increase in the term of credit, as well as discounts that remain numerous. But all borrowers can access more than interesting conditions: over 20 years, the real estate market rate is 1.25%! A drop of 10 cents compared to last month.
Many borrowers wish to take advantage of excessively low real estate rates, and the demands are pouring in! This lengthens the processing time… which could be longer in the coming weeks as a result of the summer break. The board ? Realize your project as soon as possible, in order to avoid the excessive increase of these deadlines. Moreover, if we do not rely on a sharp rise in rates, banks are used to slightly raise their scales in summer: this allows them to avoid an influx of demand difficult to manage during this period. Applying to a real estate broker in this context can have a dual purpose : to help reduce the time required for analysis and acceptance, and to be accompanied in the choice of a credit adapted to its needs and the best rate.