2024-01-12 08:54:02
They completely disappeared from the market in 2023. And if 2024 could see them return, it will be in dribs and drabs. First-time buyers were the first victims of the sudden rise in rates. Not only did their purchasing power melt away, but the banks, which no longer wished to lend, imposed prohibitive access conditions (up to 20% deposit, multiple guarantors, etc.).
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A simple example: “In November 2021, for a repayment of 1,000 euros per month, you could borrow 210,000 euros,” explains Yann Jéhanno, head of the Laforêt network. Today, this amount has fallen to 160,000 euros. When you lose 25% of purchasing power, you postpone your projects. »
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