This is good news for those looking for property and need a mortgage to finance their property purchase.
According to the credit broker Empruntis.com, fixed rates (excluding insurance) mortgage loans have declined in recent weeks to an average 3.85% over 15 years in March, against 4% in February, and 4.10% over 20 years in March against 4.25% in February.
Interest rates for some purchasers, are broken below the 4%. The best profiles as banks benefit from very attractive rates: "The minimum rates are also down sharply, indicating that banks in this period of conquest spring habitat, are ready to great lengths to attract the best customers, "said Mael Bernier, spokesman online broker.
Disparities between borrowers continue by region: there borrows at different depending on whether one lives in Paris, Nantes, Lyon, Lille and Marseille. In the West, borrowers will receive credit rates the lowest, with a fixed rate without insurance averaged 3.75% over 15 years and 4% over 20 years. In contrast, the Ile de France remains the most expensive region, where banks offer fixed rates to 3.95% without insurance over 15 years and 4.20% over 20 years on average. "The good news is that beyond the scalesshown, we get a lot easier for additional discounts from the beginning of 2012, Berniersaid Mael. However, we can only advise not too soon because the future beyond the May 6 remains uncertain and any prediction one way or another today is risky. "