What is the monthly wear rate cap for the last quarter of 2025?

From 1 October to 31 December 2025, for fixed-rate loans of 20 years or more linked to a real estate purchase, the maximum rate that may be granted by banks shall be increased to 5.09%, compared to 5.08% in the third quarter of 2025.

The usury rate is the maximum legal interest rate that credit institutions are allowed to charge when they grant you a loan. Regulated by the Consumer Code, it is set up by the State to protect borrowers, and set by the Central Bank on the basis of the rates charged by banks in the previous 3 months.

There are different rates of wear and tear depending on the type of loan you are granted, its amount and its duration.

More precisely, the wear rate is the annual percentage rate of interest (APR) maximum that can be applied to you when taking out a loan.

The APR is the “all-in” interest rate of a loan. It includes the nominal interest rate (the rate used to calculate the interest on your loan) and the elements constituting a condition for obtaining the credit or for obtaining it on the announced conditions:

• the application fee;
• fees paid or payable to intermediaries involved in any way in the granting of the loan (e.g. broker);
• compulsory insurance and guarantee costs.

If, at the time the loan is granted to you, the APR of the credit exceeds the rate of usury, the loan is called usurious. It is forbidden to grant a loan at a usurious rate.