![\"taux-credit-immobilier\"](\"https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2021\/10\/analytics-geef11f602_1280-1024x418.jpg\")
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Since October, it is possible to notice an increase in usury rates, with an increase of 0.10% (10 basis points). For some borrowers, this increase constitutes very good news.<\/strong><\/p>\n <\/p>\n In the field of real estate loan,<\/strong> financing institutions are subject to some constraints, such as compliance with the debt ratio, which must not exceed 33% of resources<\/strong> of the borrower.<\/strong> It is also possible to cite another rule in force, namely the fixing of the rate of wear each quarter by the Bank<\/strong> of France.<\/strong> This wear rate is presented as being the maximum rate<\/strong> beyond which a financing institution does not have authorization to carry out<\/strong> a loan.<\/strong> In order to calculate<\/strong> this rate,<\/strong> the bank<\/strong> adds to the nominal rate of loan,<\/strong> the costs<\/strong> of brokerage,<\/strong> the costs<\/strong> of case,<\/strong> and the insurance costs<\/strong> and mandatory guarantees.<\/strong><\/p>\n Even if the nominal rates<\/strong> have always been low, namely 1% over 20 years, a few borrowers<\/strong> has risks exceed<\/strong> this wear rate,<\/strong> noting the rise<\/strong> of their insurance cost.<\/strong> En octobre, les rate<\/strong> of wear and tear<\/strong> have, fortunately, experienced a slight increase of 0.10% (10 basis points), over durations of 10 years and more. Currently, this rate<\/strong> is estimated<\/strong> at 2.68% over 20 years and above, after a drop to 2.51% in the second quarter of 2020. This is the lowest level recorded in history, which brought exclusion<\/strong> many borrowers<\/strong> possible market.<\/strong> With this slight increase,<\/strong> the market is doing a little better, but also the modest borrowers<\/strong> who were subject to penalties<\/strong> because of consecutive declines<\/strong> of these rate<\/strong> over the last few months.<\/p>\n According to the general director of Vousfinancer, Julie Bachet, this increase<\/strong> of the rate<\/strong> of wear and tear<\/strong> is closely linked to the increase in credit rates noted after confinement. However, the rise<\/strong> of the costs<\/strong> of case<\/strong> applied by the banks<\/strong> can also be the cause. Despite this, the modest borrowers<\/strong> still remain affected,<\/strong> due to the increase in deviations<\/strong> of rates applied<\/strong> by financing institutions based on profiles. Indeed, it is possible to find in certain banks, depending on the profiles, rates over 20 years which range from 0.95% to 1.80%, rates over 25 years which range from 1.40% to 2.20 %, with an APR which can relatively exceed 2.68%. According to Julie Bachet, this ascent<\/strong> of the rate<\/strong> would only be passenger,<\/strong> because, out of prudence, banks do not authorize loans<\/strong> than to profiles<\/strong> that they judge better,<\/strong> to very low rate.<\/strong><\/p>\n <\/p>","protected":false},"excerpt":{"rendered":" Since October, it is possible to notice an increase in usury rates, with an increase of 0.10% (10 basis points). For some borrowers, this increase constitutes very good news.<\/p>","protected":false},"author":6,"featured_media":7778,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[357,268],"class_list":["post-7625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-bonnes-nouvelles","tag-credit-immobilier"],"acf":[],"yoast_head":"\n