2023-06-23 19:50:23
Today, even a CDI is no longer a guarantee for obtaining a loan. 430274434/fizkes – stock.adobe.com
TESTIMONIALS – Having become cautious, banks are rejecting candidates who knock on their door to access property.
In his dynamic thirties, Mickaël cannot find the words to express his distress and his anger. Like others, he was refused a mortgage bank loan. A file which, in normal times, would have passed like a letter to the post office but is now refused by the banks. Having become cautious since the war in Ukraine and inflation, they reject in spades the candidates who knock on their door to access property. Mickaël has the typical profile of those they reject.
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«I tick all the boxes!“, he gets carried away. This first-time buyer has been self-employed, a restaurateur on the Côte d’Azur since 2019. He recovered a small business that was purring and which he straightened out by not counting his hours of work. Instead of throwing away 1,000 euros in rent per month, he wanted to buy a studio located just above his business. By borrowing 250,000 euros over twenty-five years for a 30 m², he had calculated that he would pay almost the same amount as rent…
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