Mortgage Rates

📉 Mortgage rates drop below 3% again – Is the French real estate market entering a new phase? 🇫🇷🏡

After months of stagnation and rising rates, May 2025 signals a shift: borrowing rates in France are finally softening. According to PAP.fr, several banks have relaxed their conditions and buyers are returning to the market.

🧾 Average mortgage rates in May 2025:

 • 15 years → 3.00%

 • 20 years → 3.20%

 • 25 years → 3.40%

📊 According to Crédit Logement, the number of home loans issued jumped by 48.4% in Q1 2025 compared to the same period in 2024 — a strong indicator of revived buyer confidence.

🏠 Meanwhile, property prices are stabilizing in many major French cities, bringing a window of opportunity for both local and international buyers.

🌍 In the broader economic context:

The ECB's recent rate adjustments have started to ease financial conditions.

The French government has launched PTZ 2025, a revamped zero-interest loan scheme now extended to all new housing across the country — a significant move to boost accessibility, especially for first-time buyers.

✨ As visits increase and sales timelines shrink, we may be witnessing the beginning of a real market normalization after a challenging 2023–2024 period.

💬 What do you think — is 2025 shaping up to be a "new normal" for real estate in France?