Geoffrey Branger, edited by Gauthier Delomez 7:13 p.m., August 16, 2022
The conditions for obtaining a home loan have become more and more restrictive lately.
About one out of two loan applications is accepted today by banks.
Europe 1 takes stock with a specialist in the sector, and evokes the track of a relaxation of the rate of wear.
You will have to concrete your file: the conditions for obtaining a mortgage are more and more restrictive.
According to a study by Afib, the French Association of Bancassurance Intermediaries, around one in two mortgage applications are refused today.
In question, the galloping inflation of recent months which has increased borrowing rates.
Europe 1 tells you all about this complex mechanism with Jérôme Cusano, the president of the association.
"In a loan, there is the bank rate, to which we must add ancillary costs: administration fees, brokerage fees, borrower insurance, guarantee, etc", he lists at the microphone of Europe 1. "All this is added to the annual effective annual rate, it is the real rate", explains the president of Afib, "it is this TAEG which is confronted with the rate of wear and which blocks" , he continues.
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A target of six requests accepted out of ten
The wear rate is a problem.
This is the maximum rate that banks are not allowed to exceed when lending money.
The French Association of Bancassurance Intermediaries proposes to modify the calculation so that the conditions under which banks can lend to individuals are relaxed, so that more mortgage files are accepted.
The objective is to validate six out of ten loan applications, as was the case a few months ago, and thus make credit very accessible again.