{"id":136126,"date":"2019-07-23T00:00:00","date_gmt":"2019-07-22T22:00:00","guid":{"rendered":"https:\/\/www.groupeidec.com\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/"},"modified":"2023-10-04T11:17:49","modified_gmt":"2023-10-04T09:17:49","slug":"levolution-des-taux-de-credit-au-1er-trimestre-2019","status":"publish","type":"actualite","link":"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/","title":{"rendered":"INTEREST RATE CHANGES IN THE FIRST QUARTER OF 2019"},"content":{"rendered":"<p><strong><em>The results of the survey by the Observatoire Cr\u00e9dit Logement \/CSA presented on 16th April are very encouraging: banks have never been so keen to lend money. Faubourg Immobilier looks at what is happening in the market.<\/em><\/strong><\/p>\n<h2>New property: interest rates averaging 1.48%<\/h2>\n<p>This is an unprecedented situation since 1974, interest rates have been negative for ten months in a row. Economists do not know whether this is an exceptional situation or a long term trend\u2026 In detail, in March, interest rates were at 1.41% in the market for older property, 1.42% for new property and 1.33% for building work. The situation is likely to remain upbeat in the second quarter with average rates in April reaching 1.36%.<\/p>\n<h2>Length of loans granted &#8211; 229 months on average<\/h2>\n<p>Loans have become longer since 2014. This is essentially down to lower interest rates. For first time buyers, this makes up for an increase in property prices making it easier to access property. In the first quarter of 2019, the average length of a loan was 229 months. In the market for new property the length averages 248 months.<\/p>\n<h2>The cost of operations carried out by households increases<\/h2>\n<p>The cost expressed in years of revenue has increased by 5% in the first quarter of 2019 (in comparison with the first quarter of 2018).It now represents 4 years and 4 months on average. In the new property market, it has climbed to 5 years and two months. While it is easier to borrow from banks, the cost remains high for most households.<\/p>\n<h2>Historic level for deposits<\/h2>\n<p>Unprecedented since 1978, the average down payment required by banks reached 14.4% in the first quarter of 2019. In the new property market, the average was 14.6 %. A study by the Cr\u00e9dit Logement\/CSA indicated that \u201caccess to property loans has never been so easy.\u201d Good news for first time buyers and investors.<br \/>\nTo end our look at the first quarter of 2019, the number of property loans granted by banks rose by 24.9% in comparison with last year (- 12.4%) in the new property market. Now is the time to invest\u2026<\/p>\n<p>If you want to buy or invest, Faubourg Immobilier has some property programmes in prime locations. Contact us to find out more.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The results of the survey by the Observatoire Cr\u00e9dit Logement \/CSA presented on 16th April are very encouraging: banks have never been so keen to lend money. Faubourg Immobilier looks at what is happening in the market. New property: interest rates averaging 1.48% This is an unprecedented situation since 1974, interest rates have been negative [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":136072,"template":"","meta":{"inline_featured_image":false},"categories":[57],"class_list":["post-136126","actualite","type-actualite","status-publish","has-post-thumbnail","hentry","category-planning-development"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>INTEREST RATE CHANGES IN THE FIRST QUARTER OF 2019 - GROUPE IDEC<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"INTEREST RATE CHANGES IN THE FIRST QUARTER OF 2019 - GROUPE IDEC\" \/>\n<meta property=\"og:description\" content=\"The results of the survey by the Observatoire Cr\u00e9dit Logement \/CSA presented on 16th April are very encouraging: banks have never been so keen to lend money. Faubourg Immobilier looks at what is happening in the market. New property: interest rates averaging 1.48% This is an unprecedented situation since 1974, interest rates have been negative [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/\" \/>\n<meta property=\"og:site_name\" content=\"GROUPE IDEC\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/groupeidec\/\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-04T09:17:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.groupeidec.com\/wp-content\/uploads\/2019\/07\/photo-faim-maison-lego-et-pieces-70.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"540\" \/>\n\t<meta property=\"og:image:height\" content=\"359\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/\",\"url\":\"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/\",\"name\":\"INTEREST RATE CHANGES IN THE FIRST QUARTER OF 2019 - GROUPE IDEC\",\"isPartOf\":{\"@id\":\"https:\/\/www.groupeidec.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.groupeidec.com\/wp-content\/uploads\/2019\/07\/photo-faim-maison-lego-et-pieces-70.jpg\",\"datePublished\":\"2019-07-22T22:00:00+00:00\",\"dateModified\":\"2023-10-04T09:17:49+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#primaryimage\",\"url\":\"https:\/\/www.groupeidec.com\/wp-content\/uploads\/2019\/07\/photo-faim-maison-lego-et-pieces-70.jpg\",\"contentUrl\":\"https:\/\/www.groupeidec.com\/wp-content\/uploads\/2019\/07\/photo-faim-maison-lego-et-pieces-70.jpg\",\"width\":540,\"height\":359},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.groupeidec.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Actualit\u00e9s\",\"item\":\"https:\/\/www.groupeidec.com\/en\/actualite\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"INTEREST RATE CHANGES IN THE FIRST QUARTER OF 2019\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.groupeidec.com\/en\/#website\",\"url\":\"https:\/\/www.groupeidec.com\/en\/\",\"name\":\"GROUPE IDEC\",\"description\":\"A la fois am\u00e9nageur, promoteur, investisseur et concepteur-constructeur cl\u00e9 en main, le GROUPE IDEC est l&#039;un des rares acteurs globaux du march\u00e9 immobilier fran\u00e7ais, pr\u00e9sent sur tous ces m\u00e9tiers.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.groupeidec.com\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"INTEREST RATE CHANGES IN THE FIRST QUARTER OF 2019 - GROUPE IDEC","robots":{"index":"noindex","follow":"nofollow"},"og_locale":"en_US","og_type":"article","og_title":"INTEREST RATE CHANGES IN THE FIRST QUARTER OF 2019 - GROUPE IDEC","og_description":"The results of the survey by the Observatoire Cr\u00e9dit Logement \/CSA presented on 16th April are very encouraging: banks have never been so keen to lend money. Faubourg Immobilier looks at what is happening in the market. New property: interest rates averaging 1.48% This is an unprecedented situation since 1974, interest rates have been negative [&hellip;]","og_url":"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/","og_site_name":"GROUPE IDEC","article_publisher":"https:\/\/www.facebook.com\/groupeidec\/","article_modified_time":"2023-10-04T09:17:49+00:00","og_image":[{"width":540,"height":359,"url":"https:\/\/www.groupeidec.com\/wp-content\/uploads\/2019\/07\/photo-faim-maison-lego-et-pieces-70.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/","url":"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/","name":"INTEREST RATE CHANGES IN THE FIRST QUARTER OF 2019 - GROUPE IDEC","isPartOf":{"@id":"https:\/\/www.groupeidec.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#primaryimage"},"image":{"@id":"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#primaryimage"},"thumbnailUrl":"https:\/\/www.groupeidec.com\/wp-content\/uploads\/2019\/07\/photo-faim-maison-lego-et-pieces-70.jpg","datePublished":"2019-07-22T22:00:00+00:00","dateModified":"2023-10-04T09:17:49+00:00","breadcrumb":{"@id":"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#primaryimage","url":"https:\/\/www.groupeidec.com\/wp-content\/uploads\/2019\/07\/photo-faim-maison-lego-et-pieces-70.jpg","contentUrl":"https:\/\/www.groupeidec.com\/wp-content\/uploads\/2019\/07\/photo-faim-maison-lego-et-pieces-70.jpg","width":540,"height":359},{"@type":"BreadcrumbList","@id":"https:\/\/www.groupeidec.com\/en\/actualite\/levolution-des-taux-de-credit-au-1er-trimestre-2019\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.groupeidec.com\/en\/"},{"@type":"ListItem","position":2,"name":"Actualit\u00e9s","item":"https:\/\/www.groupeidec.com\/en\/actualite\/"},{"@type":"ListItem","position":3,"name":"INTEREST RATE CHANGES IN THE FIRST QUARTER OF 2019"}]},{"@type":"WebSite","@id":"https:\/\/www.groupeidec.com\/en\/#website","url":"https:\/\/www.groupeidec.com\/en\/","name":"GROUPE IDEC","description":"A la fois am\u00e9nageur, promoteur, investisseur et concepteur-constructeur cl\u00e9 en main, le GROUPE IDEC est l&#039;un des rares acteurs globaux du march\u00e9 immobilier fran\u00e7ais, pr\u00e9sent sur tous ces m\u00e9tiers.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.groupeidec.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"wpcf-actualite-externe":"1","wpcf-identifiant-actualite":"59247","_links":{"self":[{"href":"https:\/\/www.groupeidec.com\/en\/wp-json\/wp\/v2\/actualite\/136126","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.groupeidec.com\/en\/wp-json\/wp\/v2\/actualite"}],"about":[{"href":"https:\/\/www.groupeidec.com\/en\/wp-json\/wp\/v2\/types\/actualite"}],"author":[{"embeddable":true,"href":"https:\/\/www.groupeidec.com\/en\/wp-json\/wp\/v2\/users\/11"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.groupeidec.com\/en\/wp-json\/wp\/v2\/media\/136072"}],"wp:attachment":[{"href":"https:\/\/www.groupeidec.com\/en\/wp-json\/wp\/v2\/media?parent=136126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.groupeidec.com\/en\/wp-json\/wp\/v2\/categories?post=136126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}