французские банки подняли ставки по ипотечным кредитам до 3,50% на 15 лет, 3,66% на 20 лет и 3,75% на 25 лет по состоянию на октябрь 2026 года, как сообщил abcbourse.com со ссылкой на данные PAP.fr.
France’s home loan market faces renewed pressure as French banks raise borrowing costs. According to data published by PAP.fr and reported by abcbourse.com, average mortgage rates reached 3.50% for 15-year loans, 3.66% for 20-year loans, and 3.75% for 25-year loans in October 2026. This upward revision follows tighter monetary policy measures implemented by the European Central Bank (ECB) in September.
Rate Increases Across All Loan Durations
Borrowers face increases across every repayment term, though banks continue to reward high-net-worth clients with preferential pricing. For 15-year borrowing, the average rate sits at 3.50%, while prime borrowers can still secure a 3% rate.
Obtaining these preferential terms requires significant financial backing. According to PAP.fr, lenders favor applicants with annual incomes exceeding €80,000 who maintain substantial savings, financial investments, or existing real estate assets. For standard buyers, average rates serve as the primary benchmark.
Broker Data Confirms Upward Trend in Rates
Brokers report slightly varying figures that confirm the broader market upward trend. Brokerage firm Vousfinancer recorded rate increases ranging from 0.10 to 0.30 points across regional and national lenders at the start of October, pushing averages to 3.50% over 15 years, 3.60% over 20 years, and 3.80% over 25 years. Another broker, Pretto, tracked average rates at 3.50% for 15 years, 3.66% for 20 years, and 3.75% for 25 years, representing increases of 0.07, 0.12, and 0.15 points respectively compared to September.
Behind these adjustments lie mounting tensions in the bond markets. Vousfinancer recorded a yield on the 10-year French government bond (OAT) at 4.90% on October 1, up from 3.60% in June, while Pretto noted a peak of 4.94% on the same day. Energy tensions, inflation, and budgetary uncertainties compound these pressures. Vousfinancer highlighted that the yield spread with German debt reached approximately 1.33 points, driven by discussions over the 2027 budget, which aims to reduce the public deficit from 5.4% to 5% of GDP while debt hovers near 119% of GDP.
"Dans les prochaines semaines, l’enjeu principal sera donc la capacité du gouvernement à faire adopter un budget jugé crédible par les marchés, car toute remise en cause importante des économies annoncées pourrait maintenir, voire accentuer, la prime de risque exigée sur la dette française, et faire accélérer encore le mouvement de remontées des taux de crédit," stated Sandrine Allonier, spokesperson for Vousfinancer.
Financial Impact on Household Borrowing Budgets
Higher borrowing costs translate directly into increased monthly expenses for buyers. Pretto’s simulations for a €250,000 loan over 20 years at a 3.66% rate show a monthly payment of €1,471, excluding insurance, with total interest costs reaching approximately €102,930. Compared to September conditions, this adds roughly €16 per month and €3,730 over the lifetime of the loan.
For a €150,000 loan over 20 years, monthly payments stand at €882 with €61,760 in interest. A €200,000 loan incurs an €1,176 monthly payment and €82,340 in interest, while a €300,000 loan requires €1,765 per month with €123,515 in total interest, based on Pretto’s rounded October simulations. Buyers operating near their maximum debt-to-income ratio see their total purchasing power decline, forcing agents and purchasers to recalculate financing plans prior to making offers.
ECB Meeting May Trigger Further Rate Increases
The European Central Bank scheduled its next monetary policy meeting for October 29, 2026. Fuel price increases have stoked inflationary pressures, raising the possibility that the central bank will raise its key interest rates further. If the ECB tightens policy, French commercial banks are expected to pass on those costs to preserve their lending margins.
Brokers anticipate a gradual climb in rates through December, with average borrowing costs projected to land between 3.70% and 4% by the end of 2026. Borrowers must monitor upcoming bank lending charts alongside the ECB’s late-October announcement to gauge how financing conditions will evolve during the final two months of the year.