The risk, however, is to see the confidence of financial markets on the French debt to deteriorate

Where is the housing market? What are the trends for real estate in 2014? > Download the free guide to buying property habitaclia in 2014! Real Estate in 2014: Trends and Forecasts December 9, 2013
2013 draws to a close, it is time to consider the orientation of the real estate market in 2014 in France. Housing prices habitaclia will they continue to drop like in 2013? And borrowing rates remain too low or they may they go back? This is what we'll see in this article on trends in the real estate market in 2014. We will also point out the various tax changes that are already planned. This is also an opportunity to announce the official release of our new guide that deepens all these points and delivers you lots of tips: a guide to buying property in 2014.
Rates for mortgages continued their downward trend until mid-year. habitaclia They beat month after month new historical records. The lowest point was reached on real estate loans in June 2013 with an average rate of 2.89%. On the second part, the rates to finance real estate projects are slightly put together to reach 3.09% at the end of 2013. The banks have not loosened their strict eligibility criteria based on feedback from the Banque de France. So one might think that these rates at a very low level throughout 2013 have boosted sales and resulted in higher habitaclia prices, it did not happen.
Sales volumes remain very low. Buyers are much more fussy about the quality of goods and especially price. The year 2013 should result in a decrease in the number of transactions in the former between 10 and 15% compared to past good years and more than 15% of new housing. Final figures will not be known until spring 2014. Exceptional financing conditions will only averted a larger market habitaclia and blocking numbers less bad in 2012.
The fall in prices was not until late 2011 that located in rural areas and some economically depressed cities continued to generalize and extend to the whole of France. Thus, even in Paris prices drop. For cities that are not part of the very large French cities or suffer habitaclia economically, habitaclia lower prices habitaclia became stronger in 2013 than it was in 2012. Thus, there is a division into three zones for lower prices for real estate in 2013 as we have seen in our previous articles. Low rates have avoided that prices fall faster. All indicators show that prices will continue to decline
In this context, one may wonder if the beginning of the deflation of the housing bubble important French will continue in 2014 or whether to fear a return to higher prices. By analyzing all the elements that may impact habitaclia the price changes, we realize that no one tends to rise. The downward cycle seems to have installed for many years. What could be more normal after so many years of growth? The mortgage rates are already very low
We mentioned above, habitaclia the interest rates for home loans have never been as low as in 2013. They are lower by about 20 basis points to those who practiced there one year (3.08% in December 2013 against 3.31% in December 2012). And the best rates are even lower.
Rates should go down slightly in the coming weeks. Will they go lower than the record 2.89% by 2014? It's possible. Nevertheless, the potential habitaclia margin of downward rate remains quite low. Now that changes in rates do increase property prices, they must fall substantially. Stabilization rates at a very low level would not give more purchasing power to households. Moreover, the rate impact habitaclia on the cost of a purchase is minimal compared to the price.
The risk, however, is to see the confidence of financial markets on the French debt to deteriorate in 2014. Should this happen, we would see the level of OAT 10 years in France (the rate at which France puts his 10-year debt markets) back. Or it indirectly impact the mortgage rates that will follow Alike