{"id":7365,"date":"2021-09-11T10:21:55","date_gmt":"2021-09-11T08:21:55","guid":{"rendered":"https:\/\/natureetresidencevillage.com\/?p=7365"},"modified":"2022-08-31T14:29:20","modified_gmt":"2022-08-31T12:29:20","slug":"immobilier-les-reports-risquent-de-couter-cher-aux-emprunteurs","status":"publish","type":"post","link":"https:\/\/natureetresidencevillage.com\/en\/blog\/credit\/immobilier-les-reports-risquent-de-couter-cher-aux-emprunteurs\/","title":{"rendered":"Real estate: deferrals risk costing borrowers dearly"},"content":{"rendered":"<p>According to Fnaim, nearly 90% of <strong>planned acts<\/strong> are subject to a <strong>postponement<\/strong> since the beginning of <strong>lockdown.<\/strong> At the same time, the <strong>rate<\/strong> of the <strong>loans continue to increase.<\/strong><!--more--><\/p>\n<p>The <strong>market<\/strong> of <strong>real estate<\/strong> is in full <strong>stagnation.<\/strong> Fnaim or <a href=\"https:\/\/www.fnaim.fr\/3574-premier-syndicat-professionnels-immobilier.htm\" target=\"_blank\" rel=\"noopener\">National Real Estate Federation<\/a> found that more than 100,000 <strong>real estate transactions<\/strong> in progress, with <strong>compromise<\/strong> of <strong>sale<\/strong> or some <strong>contracts signed<\/strong> before the date of confinement, are still in <strong>suspense.<\/strong><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2021\/09\/report-acte-de-vente.jpg\" alt=\"Immobilier : les reports risquent de co\u00fbter cher aux emprunteurs\" \/><\/p>\n<p>According to Fnaim reports, \u201cnearly 90% of planned actions were postponed\u201d. According to specialists, this percentage is equivalent to 10% of the million <strong>sales<\/strong> carried out during the year <strong>before confinement.<\/strong> Following the application of a <strong>decree<\/strong> which <strong>ease<\/strong> greatly <strong>electronic signature<\/strong> has <strong>distance,<\/strong> notaries were able to develop a system of <strong>telework<\/strong> which allows you to carry out <strong>actions.<\/strong> However, the <strong>realization<\/strong> of these <strong>actions<\/strong> always takes <strong>delay.<\/strong><\/p>\n<p>For their part, the <strong>trustees delay<\/strong> also to <strong>dispatch<\/strong> the <strong>documents<\/strong> necessary for signature, and certain land registration services are starting to resume work. At the town hall level, the pre-emption period is currently interrupted, but it will not restart from scratch. Indeed, this <strong>deadline<\/strong> of <strong>pre-emption<\/strong> will resume its course during the announcement of the end of <strong>the state of health emergency.<\/strong><\/p>\n<p>Concerning banks, brokers affirm that the edition of a <strong>offer<\/strong> of <strong>ready<\/strong> requires between 3 weeks and a month, whereas this is normally only done in 10 days. That's why, <strong>sellers<\/strong> and <strong>buyers<\/strong> must resign themselves to <strong>extend<\/strong> the <strong>duration<\/strong> of <strong>compromise<\/strong> of sale which has already been signed.<\/p>\n<p>Unfortunately, it is clear that the <strong>rate<\/strong> of the <strong>loans<\/strong> is <strong>constant increase,<\/strong> despite these pending procedures. According to the broker Vousfinancer, around fifteen <strong>banks<\/strong> have <strong>increase<\/strong> their <strong>prices<\/strong> from April 2020, with a <strong>rise<\/strong> varying between 0.15% to 0.70%. Same trend at the level of Avivap, which notes a <strong>average increase<\/strong> from 0.20% to 0.30% at the level of banks which continue to work. Over 20 years, the average is now estimated at 1.40% gross as of April 10, 2020. This is more or less the level observed on April 2. However, this increase is, essentially, <strong>felt<\/strong> at the level of <strong>floor rates.<\/strong> In just one week, the twenty-year minimum gross rate went from 0.90% to 1.10%. Same trend for <strong>ceiling rates.<\/strong> Currently, the twenty year maximum gross is estimated at 2.00% compared to 1.95% a week ago. In summary, the <strong>deviations<\/strong> between the <strong>rates decrease<\/strong> and the <strong>haircuts<\/strong> are more <strong>balanced.<\/strong><\/p>\n<p>From <strong>problems<\/strong> which worry analysts, it is possible to cite <strong>the increase<\/strong> of the <strong>borrowing rate,<\/strong> added to the <strong>reduction<\/strong> of <strong>wear rate,<\/strong> who risks <strong>harm<\/strong> to <strong>borrowers<\/strong> most <strong>modest.<\/strong> For information, the <strong>wear rate<\/strong> is the one above which he is <strong>forbidden to borrow.<\/strong> This <strong>wear rate<\/strong> is established by the <strong>Bank<\/strong> of <strong>France,<\/strong> at the end of each quarter, in order to <strong>protect<\/strong> the <strong>borrowers<\/strong> facing potential <strong>abuse.<\/strong> Since January 2020, this rate has decreased by 0.86% and reached 2.51% for <strong>loans taken<\/strong> over a minimum period of 20 years. According to the deputy general director of the broker Cafpi, Philippe Taboret, interviewed by Les Echos, \u201cat the start of the year, the delta between <strong>proposed rate<\/strong> by the <strong>banks<\/strong> and the <strong>wear rate<\/strong> already barely allowed <strong>to integrate<\/strong> the <strong>different fees<\/strong> ; of files, insurance and guarantees\u201d. Through the Professional Association of Credit Intermediaries or Apic, this CEO of the broker Cafpi once again asks the <strong>Bank<\/strong> of <strong>France to establish<\/strong> a <strong>margin<\/strong>\u00a0<strong>irreducible<\/strong> of 2% minimum, so that the <strong>wear rate<\/strong> don't become a \"\u00a0<strong>brake<\/strong> has <strong>accession<\/strong> to the <strong>property<\/strong>\u00a0\" when the time for recovery arrives.<\/p>","protected":false},"excerpt":{"rendered":"<p>Selon la Fnaim, pr\u00e8s de 90 % des actes planifi\u00e9s sont sujets \u00e0 un report depuis le d\u00e9but du confinement. En parall\u00e8le, le taux des pr\u00eats ne cessent d\u2019augmenter.<\/p>","protected":false},"author":6,"featured_media":7476,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[291],"class_list":["post-7365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-immobilier"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les reports d&#039;acte de vente immobili\u00e8re co\u00fbte cher aux emprunteurs<\/title>\n<meta name=\"description\" content=\"Le co\u00fbt des reports de ventes immobili\u00e8res est \u00e9lev\u00e9 pour les emprunteurs, nous vous expliquons pourquoi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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