Mortgage rates are stable in the first quarter of 2019 according to the housing agency. They remain at a very low level because of the stability of European monetary policy.
Falling numbers for the best profiles
The agency mortgage credit rate indicator is not just an overall average like the Credit / Housing Observatory, which started in 2019 at 1.45% for almost 20 years. It indicates 4 figures (average low and high) for the rate of the classic mortgage loan and as much for the loan of social accession (PAS).
At the bottom, this is the best rate of mortgage lending that falls to 1.10% over 15 years , 1.30% over 20 years and 1.50% over 25 years. The rate of mortgage is low, depending on the profile of each candidate to purchase.
Under 2.50% for the most sensitive files
The low mortgage rates have the effect of broadening the base of eligible households with banking institutions. Nevertheless, the more modest ones do not have access to the lowest rates, but rather to the highest ones. The figures announced by the rate indicator of Anil remain very competitive if one remembers what was the cost of a mortgage loan there are still some years One can thus hope a rate of 1.50 % over 15 years, 1.70% over 20 years – above the average of 1.45% of the Housing Credit / CSA Observatory – and 2% over 25 years, figures up from end 2018.
On the other hand, it is stable for the most modest profiles: they can benefit from a mortgage rate of between 2.25% and 2.45% , values that remain acceptable for a real estate project. For example, a mortgage of € 150,000 over 20 years at 2.35% – the highest range – results in monthly payments excluding insurance of € 784 and a total cost of € 38,160 according to a simulation. Credit.