When it comes to mortgage credit, it also means loan interest. Loan interest is a complex but unavoidable subject for most buyers of real estate. This interest is an amount that you will pay to the bank (gradually) throughout the duration of your credit, with the aim of compensating the bank for the risk it took in lending you this money. 

The amount of this interest is therefore theoretically a reflection of 3 elements:

• The perception of the risk that represents for the bank the fact of lending you this money. The riskier it is, the more it expects in terms of interest in return. Lending to a couple with €30,000 in monthly income, an already established real estate asset, and with a significant down payment is of course less risky than lending to a 25-year-old single person in a probationary period in their first job.

• The rate at which it finances itself (from central banks) - if it finances itself at 0.5% to borrow the money it lends to you, it will make its margin on the rate it applies to you.

• The perception of your potential as a client, which can lead a bank to lower the rate it offers you to prevent you from going to another bank. As with the assessment of risk, it will be easier for a bank to see your potential if you already have significant resources...