The mortgages rates will remain low at the end of the year-Capital.fr

With the increase in the cost of real estate credit started since the beginning of the summer, many buyers thought leave their chances to get a competitive rate spinning ... They can be sure: the rates credit seem to stabilize, or even something went down since early November. According to the Meilleurtaux-broker, the average rate over the length of the loan amounts currently 3,38% against more than 3.45% in September. A trend also observed Empruntis by the competitor that more no increase for a month.This development is mainly by the weakness of sovereign interests rates, which serve as a reference for the calculation of the rates credit. Despite the recent deterioration of France by the agency Standard Poors & Note remained the yield of the 10-year French Government bonds drop to 2.25% at present. "And except to see it suddenly go up, which currently seems little feasible, there is no reason that rates climb sharply in the coming months", notes Hervé Hatt, President of Meilleurtaux.For buyers, lending conditions remain favourable: a person who is currently 200,000 euros over 20 years today lends enjoy a monthly payment of 1,150 euros. Almost 100 euros less than in January 2012, when the percentage reached a peak above 4% period.Only downside: always very cautious, banks maintain all of the criteria for the award of closed: "all banks require at least 10% of intake and CDI, or even limit the prospect of the direction of a CDI for younger", notes Maël Bernier, spokesman for Empruntis. A finding that is not ready to move ...Guillaume Chazouilleres