” This drop in rates is part of a real estate market still difficult; in Ile-de-France, prices do not fall enough to push individuals to buy, “is the main conclusion of Pruntisum in its latest regional barometers.
Fixed interest rates
The observation is indeed clear: if the decline in prices remains limited, that of fixed interest rates of mortgages is much more rhythmic.
A ” further decline of 0.10% on average [is recorded compared to mid-April] across all regions and all lending periods,” says director of communication of the online broker.
As a result, the average rates over 15 years and 20 years are respectively 2.92% (-0.08%) and 3.21% (-0.09%). It should be noted that since the publication of the barometer on May 20, the average rates have again fallen to 2.85 % and 3.15% respectively.
West, the cheapest region
Geographically, the West is champion in all categories. Over 15 years, the proposed rate averages 2.85%, tied with the Rhône-Alpes region. The one over 20 years is at 3.15%. At the bottom of the ranking is the North, with 15-year and 20-year rates of 3.05% and 3.25% respectively.
Even if the level of the rates is not homogeneous between the regions, they remain everywhere very low. Good news for future buyers. But homeowners who have taken out their loan at higher rates can also benefit. How? By renegotiating their credit