Good news for borrowers
The monthly review of usury rates, rates beyond which a bank cannot lend money (borrower insurance and fees included), is extended until the end of the year, while it was to end in July. This made it possible to validate loan files that had been blocked by the previously quarterly updating of these rates. Another measure, taken by the High Council for Financial Stability (HCSF), a body chaired by the Minister of Economy and Finance, Bruno Le Maire, gives banks the possibility of derogating from certain criteria (such as the debt ratio limited to 35%) for more loan files related to rental investments.
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