towards a tightening of bank loans for purchase

It is the perfect time to buy a house and become an owner in Picardy for Samir Cheurfa, engineer and mortgage holder. “We are getting monthly installments very close to rents right now in the region” He explains. Like Samir, many French people have been able to take advantage of the low rates and leniency of the banks, enough to break records in terms of mortgages signed last year.

Faced with these much simpler loans, the government intends to take action and take action. If factories do not apply certain rules such as the debt-to-GDP ratio of 35%, penalties will be imposed. For Maël Bernier, spokesperson for Meilleurtaux.com, some establishments have been more forgiving than others. “Instead of derogating up to 20%, they have been placed around the 30% derogation, but very targeted, mainly to first time buyers”, she points. This hardening could set aside more modest families.