Ludovic Huzieux, co-founder of Artémis brokerage: "We anticipate a tightening of mortgage credit"

Ludovic Huzieux, co-founder of Artémis courtage, discusses the rising mortgage rates in France, predicting they may exceed 4% by late 2026. While banks are still lending, they are becoming stricter regarding debt-to-income ratios, leading to potential credit shortages. First-time buyers and older borrowers face challenges due to high insurance costs and the current usury rate of 5.40%. Huzieux advocates for relaxing the 35% debt rule, arguing that it restricts transactions in a low-growth environment despite low default rates.