logement : aides et prêts – Prêts immobiliers : progression trop faible du taux d'usure

This written question concerns the 'taux d'usure' (usury rate), which is the maximum legal interest rate lenders can charge on loans. The procedure seeks to address concerns that this cap is not increasing quickly enough to keep up with market rates, potentially making it harder for borrowers to access mortgages. This primarily affects home buyers and mortgage lenders in France. If the legal cap remains too low relative to bank costs, lenders may refuse loans, reducing housing accessibility for citizens.