Mortgage loans: interest rates stabilizing
” Stable or declining rates on almost all durations, ” is what emerges from the latest study published by the broker Pruntisum on fixed interest rates for real estate loans . Over the reference periods of 15 years and 20 years, the movement thus stabilized with a respective average rate of 3.45% and 3.85% .
This trend should be confirmed in the coming weeks or even months.
This is the opinion of a director of communication Pruntisum. ” By the end of September, the trend towards stabilization of rates should continue ,” she predicts. It is likely that this situation will continue until the end of the year, except imponderable related to the crisis of the euro in particular. All scenarios are possible “.
Meanwhile, the summer period has been marked by a downward trend.
And it is the West region that wins the palm of the least expensive region with an average of 3.30% over 15 years and 3.75% over 20 years. ” Rates have remained rather bearish this summer , confirms Maël Bernier. If stabilization gradually takes place, banks continue to make significant haircuts on a case-by-case basis depending on the case. “
As for the minimum rates, Pruntisum observed slight decreases over 15 years ( 2.95% today, against 2.98% at the beginning of September) and 20 years ( 3.29% , against 3.35%). very good files are always very popular with banking institutions that hope to sell them bank books in particular.