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Mortgage credit: What are the main victims of the amortization rate?

A survey conducted by several brokers’ associations aims to show that more and more borrowers’ files are being rejected because of the rate of erosion and the indebtedness ratio. People between the ages of 30 and 55 are most affected.

We don’t teach you anything anymore, getting a mortgage today is more and more an obstacle. view system scan (1) Commissioned by 6 professional associations of Intermediaries in Banking Operations and Payment Services (IOBSP) highlights the obstacles to their activity, which are in particular the rate of wear, the maximum rate beyond which a bank cannot lend, and the standards in force since January 1, require on Example a maximum debt ratio of 35%.

The result speaks for itself, because according to some brokers surveyed, 4 out of 10 files no longer pass today. We have never had so many rejections on our files submitted to banks. For 40% of our brokers, 40% of files are rejected and 85% are rejected over 20%, notes Bruno Rollo, president of the Professional Association of Credit Brokers (APIC). 71% of financing applications rejected were for the purchase of a primary residence. The first reason for denial: wear and tear 36% of the coils, followed by the new obligation to respect 31% of them.

Denials pertain to borrowers between the ages of 30 and 55

In an effort to end cases, banks are increasingly asking brokers to lower their fees. And therefore , 18% of banks order it systematically and 43% order it often. The goal is to bring the credit annual effective rate (APR) below the wear rate, set at 2.57% for loans of 20 years and more (2.60% for shorter periods). However, according to the survey, only 15% of files rejected by banks are related to the fact that the file comes from a credit intermediary.

While one might think that withdrawals are most affected by the phenomenon, particularly due to the cost of borrower insurance, 51% of rejected files actually relate to applicants between the ages of 30 and 55. Attrition rate has become the main problem of obtaining financingAnd it concerns all borrowers, regardless of their age or project, which further advances Bruno Rollo. That is why we wish to alert, with the entire profession, to the dangers of excluding an increasing number of buyers as a result of the blockage of the real estate market.

The situation is ridiculous..these French are deprived of mortgages because of the wear rate

At the end of June, a source close to a member of the Supreme Council for Financial Stability, a body headed by the Minister of Economy, clarified that there is no There is not enough data at this stagedespite the evolution of prices, to point to the problem of systemic access to mortgage credit.

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Do not let yourself be fooled by the statistics of producing new loans for the first period of the year, Which mainly takes files accepted at the end of 2021 or the beginning of 2022against Bruno Rollo. The sudden slowdown we’re seeing will be reflected in the numbers coming in the fall, with a strong let-down ahead of a possible resumption in 2023 that will spread over several months.

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(1) An online survey of 1,417 middle credit respondents between July 8 and July 22, 2022.

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