Cars: Real estate loans: Monitor the increase in

Map. In what coastal cities in the West real estate prices increased the most?

 Map. In what coastal cities in the West real estate prices increased the most? © David Adémas / Archives Ouest-France Aerial photo carried out on April 27, 2015 of Saint-Cast-le-Guildo (Côtes-d'Armor). Photo of Illustration in Brittany, Normandy and Pays de la Loire The median prices of houses and apartments on the coast have evolved over the quarter. To follow these variations, we based ourselves on data from the Ouestfrance-immo.com site.

cases currently, obtaining a mortgage is not an easy task. The fault at the maximum wear rate to which a bank can lend which is often exceeded. To lower the overall rate, which in particular combines the credit rate, case fees and warranty costs, borrowers have solutions. They can extend the borrowing time and increase their contribution. But that was without counting the increase in case fees.

To improve their profitability, many banks have decided to increase the fees and refuse to negotiate. For Banque Populaire Île-de-France, they went from 500 to 750 euros, indicates Figaro Immobilier. This is also the case of LCL, whose minimum costs have increased by 50 euros, to 750 euros and can climb up to 1% of the amount borrowed.

Real estate credit: what the increase in the rates of the ECB will change

 Real estate credit: what the increase in the rates of the ECB will change © 428654840/Asier - Stock.adobe.com Certainly, the increase in the key rate of the BCE was planned, announced upstream by its president Christine Lagarde and largely anticipated by banks. However, it was higher than expected at + 0.5%, where many observers were tabling on only half. This is clearly bad news for borrowers who should see their rates climb just like their difficulties in finding funding.

to BNP Paribas, the invoice weighs: 1.1% of the amount borrowed, with a minimum of 500 euros

from Société Générale, it is possible to pay up to 1,000 euros. In BNP Paribas, the invoice weighs heavy: 1.1% of the amount borrowed, with a minimum of 500 euros. For a loan of 200,000 euros, this is therefore equivalent to more than 2,000 euros. "To hope to negotiate these costs, you often have to make concessions like opting for the bank's home insurance that you are asking for your mortgage," said Sandrine Allonier, to Toufinancer, Candate Broadcasting.

For households, the period is delicate. The drop in case fees is no longer and credit rates have experienced a sudden increase. A reason for hope: the rate of French debt (OAT) at ten years, scrutinized by banks to fix their credit rate, seems to relax. It increased from 2.35% to 1.45% in the space of a month and a half. What hope for a drop in rates? " I do not think so. Banks will rather use this drop in the OAT to reconstruct their margins, warns Sandrine Allonier. A few drops may be hoped for in September for banks that are late on their goals, but I don't really believe it. "

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Immobilier: In China, construction sites and buyers at the end .
© AFP/Archives J Eune married, Mr. Wang was preparing to move with his pregnant wife in their new apartment. But the dream turns into a nightmare with the real estate crisis in Chine which prevents some promoters from completing the work. To buy accommodation three years ago, the future 34 -year -old dad has taken a loan equivalent to 300,000 euros. But without progress of the site for almost a year, he made a radical decision: to stop payment of monthly payments.

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