Nevertheless,
New ceiling your loans july:

. Similarly,It was expected: The Banque de France has just updated its wear rates. In addition, As each quarter. the institution thus fixes the maximum effective annual interest rate (TAEG) that establishments can apply during a loan. These new ceilings apply from 1is July for a period of three months.
Borrowed rate recorded on 07/01/2025
Thresholds for real estate credits – New ceiling your loans july
If you are about to take out a fixed rate mortgage in the new ceiling your loans july coming weeks, His taeg will no longer be able to exceed the following ceilings:
- 4.32 % for a duration of less than 10 years;
- 5.03 % for a loan between 10 and 20 years old;
- 5.08 % over more than 20 years.
The limit for a relay loan is 6.31 %. Variable rate credits will no longer be able to exceed 5.37 %.
Thresholds for consumer credits
The wear -rate mechanism does not exclusively concern real estate loans. This is also in force for consumer loans. In this area, the ceilings are as follows:
- 23.39 % if the capital borrowed is less than or equal to € 3,000;
- 15.79 % between 3,000 and € 6,000;
- 8.69 % for projects over € 6,000.
At the same time, the maximum rate for discovery into account is now 19.03 %.
How are the wear rates set?
As a reminder. new ceiling your loans july the Banque de France calculates the thresholds by taking as a basis the average of the rates practiced on the market during the previous quarter. This average is then increased by a third to obtain the wear rate.
By fixing this framework. The authorities intend to fight abuses and limit situations of over -indebtedness: The wear rate “protects borrowers from lenders who would like to offer too high rates: it therefore makes it possible to prevent borrowers from finding themselves in difficult financial situations and is no longer able to pay their debts”, specifies the Banque de France.
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