the top 5 cities where real estate rates are the lowest

A study published on October 25 takes stock of the real estate loan rates that rental investors can obtain depending on the city of their project. Lille comes at the top of the cities where it is good to invest.

Is it still interesting to invest in real estate, particularly for rental purposes? Yes, say the experts interviewed by MoneyVox, provided you get a good deal. A study, published by the turnkey rental real estate solution Maslow on October 25, provides a new element of answer through this question: in which city can a real estate investor obtain the best credit rate?

To do this, Maslow based himself on two profiles. First, a single person with 40,000 euros of annual income wishing to buy a property worth 130,000 euros, with a 10% contribution and a 20-year loan. In the second case, the company takes the example of a couple with 75,000 euros of income, for a purchase project of 200,000 euros, a contribution of 20% and a loan again over 20 years.

Lille, capital of investors?

First lesson: Maslow notes that it is often more interesting to go through a regional bank than a national bank. But then, which city should you invest in? According to the study, it is Lille, capital of Flanders, which offers the best rates to investors. The borrower alone will thus benefit from a rate of 3.82%, when the couple could obtain a rate of 3.69%. Interesting, when the average rate for a 20-year loan is currently 4.37%.

Conversely, Toulouse, Bordeaux and Annecy are the cities which offer the highest rates. In the case of a rental project alone, Toulouse is at the top of the cities where the credit rates are the highest with a rate of 4.65%. Toulon and Annecy complete the podium with rates of 4.62% and 4.55% respectively. For a rental investment as a couple, Bordeaux and Annecy offer the highest rate at 4.55%, followed by Paris at 4.50% and Toulouse at 4.45%.