Relief among borrowers: real estate credit rates continue their decline in early March, after a few fears of tensions during the first weeks of 2025. Banks lend an average of 3.35 % over twenty years, according to the borrowed broker, against 4.05 % a year ago and 4.30 % at the end of 2023. At fifteen months.
As in February, the SG bank is particularly aggressive, with an offer at 2.99 %, against 3.60 % for the least competitive establishment over twenty years, encouraging its competitors to react so as not to see the files escape them. Because if the scales communicated by banks to brokers Give an idea of the market trend, each borrower obtains a personalized rate, sometimes far from the “showcase” price.
“Some banks line up, so that it is often possible to obtain 0.20 points below the displayed scale”,, Explains Maël Bernier, best-actible spokesperson. A feeling shared by Pierre de Buhren, Director General of Borrowed: “The negotiation margins are significant, because banks are on the lookout for new customers to complete their credit production targets, up average of 15 % compared to 2024.”
Banks thus want to draw a line in a gloomy year: household housing credit production reached 119 billion euros (excluding renegotiations) in 2024 according to the Banque de France, a figure down 14 % over a year. Far, very far from the more than 200 billion new credits granted in 2021 and 2022.
Buyers therefore benefit from favorable factors: real estate prices have dropped, banks are there and the financing conditions improve. It remains to convince them to take action in a gloomy economic environment.
Overall negotiations
Some prefer to wait to borrow at a lower cost in a few months. The bulk of the wave is however behind us, the rates have already folded up from a point in fifteen months. “They should still drop a little, but we are probably close to a floor”estimates Sandrine ALLONIER, spokesperson for the youfinance broker.
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