French mortgage rates for January 2022

Looking to invest in Real Estate in France? 2022 might just be the year for you !

Over the last 5 years, real estate prices in France have continued an upward trend. This pattern seems to mirror quite closely positive developments in the French economy. We feared for the French economy with the impact of the Covid pandemic but the forecast is positive for the next 5 years.

House prices in France are forecasted to grow by 3.5% during 2022 after an average growth of 5.8% in 2021) (+7.0% for apartments and +4.9% for houses).

The interest rates on French mortgages are expected to remain at low levels in 2022

France is reasonably insulated from a global slowdown in trade (exports contribute 31% of French GDP versus 48% for the rest of Europe) while it earns a 70% share of revenue from services.

The French government announced an unprecedented €100 million economic stimulus package in response to the Covid-19 global pandemic.

At a time when other European countries are experiencing stagnation or declining growth, France is showing its capacity to deal with the Coronavirus health crisis while continuing on the path of economic growth. We are expected to see the French economy to grow (+7.4% in 2021 and +3.0% in 2022) and the rate of inflation to remain low.

The French housing market is surprisingly resilient. It has bounced back strongly since the end of the Covid confinements and will continue its long-term growth trend. With interest rates remaining low, growing bank lending and property prices increasing moderately during 2022, it is the right time to invest in France.

Current mortgage rates for January 2022

Fixed rate(1)  Term Monthly repayment

for 10 000€ borrowed

1.25% 10 years / 120 months 88.69€
1.30% 15 years / 180 months 61.18€
1.60% 20 years / 240 months 48.72€
2.05% 25 years / 300 months 42.63€

(1) The indicated rates are given for information purposes and are based on the latest bank rates of one or more of our partners. The rates in the table above do not include the ancillary cost as notary fees, guarantees, insurance and intermediation.

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