Property credit: what are the conditions for giving banks?

While mortgage rates have been rising for several months, under what conditions can we currently borrow? To inform you, “Le Grand rendez-vous de l’immobilier” (Hovedstad / Radio immo) received Olivier Lendrevie, president of the broker Cafpi, in October. Currently, interest rates over 20 years, the most common loan term, average around 2%. But if rates remain low, conditions will tighten. According to Olivier Lendredie, all companies now require a minimum 10% contribution. The average reaches 20% on the entire market!

The president of Cafpi recalls that the increase in credit rates, which continues, risks, de facto, weighing down the maximum debt ratio established by Bercy (35% of your income) in the coming months. Under these conditions, subsidized loans (zero interest loans, Action Logement loans) are more than ever solutions to consider to unblock the most complex files. Watch our full interview in the video above. In another part of our interview, Olivier Lendrevie takes stock of the attrition rate, which has blocked a large number of files for several months.