After two years of financing tensions, interest rates have stabilized, with an average rate currently standing between 3.20% and 3.30% over twenty years.

Banks remain selective and continue to:

• Require a personal contribution of at least 10% of the loan amount.
• Limit the share dedicated to loan repayments and insurance to 35% of income (please note that rental income is no longer deducted from existing loans. As a result, some borrowers now have a more limited borrowing capacity).

In addition, loan offers are capped by the "usury rate" (the maximum rate at which banks are legally allowed to lend). At the end of 2025, this rate is set at 4.71% for loans with terms between 10 and 20 years.