Not only the rates have stopped declining, but they tend to increase. According to Anil
, it is now possible to borrow on the basis of a fixed nominal rate slightly less than 4%.
Candidates for mortgage watch continuously the evolution of the yield curve. Although its rebound announced months ago has not yet occurred, halting the decline observed now could announce a turnaround.
" For a loan of fifteen year fixed rate, many institutions continue to offer rates expressed as nominal rates below 4%, "says the latest quarterly indicator of ANIL (National Agency for Housing Information) . CL eg lowest fixed rate appears to 3% against 2.85% three months earlier. As for the top of the range, she turns around 4.05%. Crédit Immobilier de France, it climbs up to 5.40%. The few variations primarily reflect higher reported rates of rearrangements. Side variable rates, the status quo prevails, with a range of rates between 2.50% and 4.60%.
Whether fixed or variable rates, the borrower must make its comparisons on the APR (annual percentage rate), which takes into account the cost of insurance and securities.
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