Barometer of French household mortgage rates, from the official Banque de France series (Webstat, narrow-sense effective rates on new contracts), with monthly-payment, borrowing-capacity and notary-fee calculators.
3.21 %
Monthly — 2026-082.75 %
Quarterly — 2026-Q23.02 %
Quarterly — 2026-Q23.22 %
Quarterly — 2026-Q2The payment is prefilled at 35% of net income (HCSF cap, insurance included); you can edit it.
Estimate (transfer taxes, 2025 emoluments scale incl. VAT, property security contribution, flat disbursements) — special cases excluded.
In 2026-08, the average rate on new housing loans over 10 years stands at 3.21% (source: Banque de France). Effective rates vary with loan duration: the barometer above details averages per duration bracket.
For a fixed-rate amortising loan the payment is C × r / (1 − (1 + r)−n), where C is the capital, r the monthly rate and n the number of payments. Borrower insurance, usually charged on the initial capital, comes on top.
France's financial stability council caps the debt-service ratio at 35% of net income, insurance included, for a maximum of 25 years in the general case.
About 7-8% of the price for existing homes, 2-3% for new builds. The calculator above itemises transfer taxes, emoluments and contributions.
Source: Banque de France, Webstat (dataset MIR1) — latest monthly point 2026-08. Average rates on new contracts; your own rate depends on your profile.