2090 euros Marseille, 5040 euros Paris, 2480 euros Lyon… Monthly property loan payments have soared in large cities for the purchase of a new one-bedroom apartment. Explanations.
Real estate loan rates stabilized in November but still remained very high. According to the broker Vousfinancer, the average rates are 4% over 15 years, 4.20% over 20 years and 4.5% over 25 years. Despite a drop in prices in major cities such as Bordeaux and Lyon (respectively -8.3% and -8.4% over one year), this is not enough to compensate for the increase in loan rates in recent months.
Result, according to the latest barometer from the broker Empruntis, relayed by Capitalthe monthly credit payments necessary in November to acquire a new three-room home in the 10 largest cities in the country are soaring.
15,000 euros net per month to borrow Paris
Marseille for example, a household wishing to buy a new three-room home with a 25-year loan must pay 2089 euros per month (+23% compared to the month of February). Marseille is not an isolated case, far from it. Toulouseit is necessary to count 1956 euros per month, up 19.90%. Strasbourgto obtain a T3, the borrower must exit 2081 euros (+18.65%). The rise Lille between February and November 2023 amounts to 14.21% bringing the monthly payment of the credit 1948 euros.
A difficult situation for households to follow. Indeed, in this same study, Empruntis assessed the monthly net salary required to pay these monthly payments. 15,000 euros Paris, 7,000 euros Lyon or Nice…
City | Monthly payment required | evolution compared to February | Average price of a T3 |
|---|---|---|---|
| Paris | 5039 euros | +12.51% | 810200 euros |
| Lyon | 2479 euros | +10.51% | 393,500 euros |
| Nice | 2441 euros | +4.47% | 387,500 euros |
| Bordeaux | 2224 euros | +17.17% | 357,500 euros |
| Nantes | 2131 euros | +7.54% | 347100 euros |
| Strasbourg | 2081 euros | +18.65% | 327,500 euros |
| Montpellier | 1969 euros | +10.51% | 313900 euros |
| Marseille | 2090 euros | +23.03% | 330300 euros |
| Lille | 1948 euros | +14.21% | 305,300 euros |
| Toulouse | 1956 euros | +19.90% | 309,200 euros |
Loans / find-un-logement-neuf.com. Simulations carried out with average credit rates without insurance recorded in November 2023 (between 4.15% and 4.60% depending on the region), with a 25-year loan.
The impact of these successive rate increases on household budgets is major. Between February and today, households have lost between 10 and 13% of their borrowing capacity, indicated Cécile Roquelaure, director of studies at Empruntis. Capital.
Real estate credit: good news, borrowing becomes possible again