This is one of the impacts of the coronavirus epidemic on real estate. Since the confinement, loans are more and more difficult to obtain from banks, especially for people working in the sectors most affected by the health and economic crisis. "The banks are rather cautious", confirms to Europe 1 Maël Bernier, spokesperson for Meilleurtaux.com, who specifies that the establishments had already tightened their conditions for obtaining credit before the crisis.
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"We have indeed noted tightening of conditions, stronger demands from the banks, but that was already before the Covid-19 crisis", she explains. "Now there is an important and quite logical element, namely the risk of unemployment and in particular the sector of activity. That is to say, the banks can take a fairly close look at where you work."
Sectors "where it's hard to see when it's going to start again"
Thus, continues Maël Bernier, "a sector which is still in partial unemployment, while the others have resumed their activity, this means that it is a sector which is suffering and which is uncertain: catering, events, Obviously a file in these categories will be studied with more caution than that of a young nurse, a doctor, a civil servant, or even a plumber ".
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"The banks are rather more cautious, it's quite logical," concludes the spokesperson for Meilleurtaux.com. "When you're in a business like tourism, where it's hard to see when it's going to pick up again, is it really safe to take people into debt at that point? I'm not sure."