Mortgage loans: what are the maximum usury rates as of October 1st?

Usage rate is the maximum legal interest rate that credit institutions are allowed to charge when they grant you a loan. It is regulated by the Consumer Code and aims to protect borrowers.

One opinion of 25 september 2026 sets the wear thresholds applicable from 1^er October. These thresholds vary depending on the amount, duration of the loan and the type of loan (consumer credit, home loan, etc.). They were established by the Banque de France taking into account, for the various categories of credit, the average rates charged by credit institutions during the third quarter of 2026.

From 1^er october 2026, the maximum rate that banks can charge for a property purchase is set at:

• 4.09% for fixed-rate loans with a maturity of less than 10 years;
• 4.68% for fixed-rate loans with a maturity of between 10 years and less than 20 years;
• 5.4% for fixed-rate loans of 20 years or more;
• 5.52% for variable-rate loans;
• 6.49% for bridge loans.

All wear rates, updated, are accessible on the Banque de France website.

The wear rate is reviewed quarterly. It concerns loans to individuals, associations and local authorities. For companies and individuals acting for their professional needs (individual entrepreneurs), only overdrafts on account are subject to a maximum rate.