The property market on the Alabaster Coast has its own rhythms: the weight of second homes, searches that vary greatly with the seasons, and character properties— thatched cottages, longères or country houses—that are difficult to compare with one another. In this section, we track changes in prices, sales volumes, borrowing rates and buyers’ expectations, in France and around Veules-les-Roses, using public sources cited in each article. To find out the value of your own property, request a valuation from the firm : it is free and comes with no obligation.
The statutory ceiling on the cost of credit granted to an individual is based on the APRC: as soon as it exceeds the applicable threshold, the loan becomes usurious. The usury rate is calculated using the average rates for the previous quarter, increased by one third.
Mortgage rates are tracked month by month to measure the direction of financing costs, borrowing capacity and monthly repayments, because a simple adjustment can tip a property project one way or the other.
The best-performing properties sell for more, while highly energy-intensive properties suffer a discount; the impact of the DPE on price has now become a central negotiation criterion, particularly for F and G ratings.
The 35 % debt ratio sets the limit adopted by the HCSF for all household loans, including insurance, based on net income before tax. However, banks may grant a loan above this level in certain cases, within a regulated flexibility framework.
First-time buyer status, income ceiling, type and location of the property, occupancy for at least 8 months per year: these are the criteria to check to find out whether your purchase project may qualify for a PTZ.