At the start of the year, Pretto, an online brokerage specialist, noted a significant drop in mortgage rates, illustrating the banks' commitment to strengthening their attractiveness on the market. The drops recorded reach an average of 0,2 points.
The significant rate reductions concern all profiles, including those with modest incomes, with adjustments of up to 0,4 points. Offers over 30 years are also making a comeback, accompanied by increased flexibility in the grant conditions, reflecting a significant evolution in banking policies.
Major national financial institutions are marking their return with more attractive rate proposals than in recent months. The banking environment is once again competitive: banks are refining their positioning vis-à-vis their competitors with the desire to attract the best candidates.
For Pierre Chapon, president of Pretto: “With prices and rates falling, and banks once again winning over customers, the current context presents good opportunities for future owners, provided they know who to contact and what conditions to negotiate. »
Illustrative image of the article via Depositphotos.com.
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