logement : aides et prêts – Réforme des modalités de calcul du taux d'usure

This written question concerns the calculation of the 'taux d'usure', a legal maximum interest rate for loans in France. It asks for clarification on how this rate is adjusted, particularly in light of rising inflation and interest rates. The question affects individuals seeking mortgages and the financial institutions that provide them. It seeks to ensure fair lending practices and access to credit for borrowers.