The amount of deposits required by banks has exploded in a year, reaching staggering levels in some regions.
Banks had never asked for so much own contribution for providing mortgages. BFM Business will reveal the figures of the calculation network Finance Conseil to you this Thursday. The most important element is the explosion in the contribution demanded from borrowers, with an increase of almost 80% nationally in the first quarter compared to last year.
In fact, an average of 52,594 euros of co-payment has to be counted in France, compared to 29,405 euros last year. Spectacular growth (+78% over one year). The contribution is now equal to almost 20% of the total cost of the project (including contribution and mortgage).
In a climate of uncertainty and rising cost of living, banks are taking more and more precautions. And in certain regions this is even more the case. In Provence-Alpes-Côte d’Azur we are at almost 24% of the own contribution, an average of almost 75,000 euros per loan. But it is in New-Aquitaine and Hauts-de-France that we find the strongest increases. In these two regions, the contribution has more than doubled compared to last year. In terms of value, it is clear that Ile-de-France is the highest contributor. Count more than 130,000 euros contribution per distributed credit, more than twice as much as 2 years ago.
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On national level:
Average contribution: 19.5% of the amount of the project (loan and contribution included) or 24% of the amount of the loan, being EUR 52,594 in 2022, compared to EUR 29,405 in 2021 (+78% over one year)
Average loan amount: 217,900, compared to 226,791 euros in 2021 (-4% over a year)
Pays de la Loire:
Average contribution: 18.9% of the total cost of the project (or 23% of the loan), ie 46,847 euros in 2022, compared to 32,793 euros in 2021 (+42% over one year)
Average loan amount: 201,428 euros, compared to 244,243 euros in 2021 (-17% over a year)
Brittany :
Average contribution: 18% of the project (or 21% of the loan), being 42,367 euros, compared to 31,052 euros a year ago (+36% over one year)
Average loan amount: 192,762 euros in 2022, compared to 237,445 euros in 2021 (-18% over a year)
New Aquitaine:
Average contribution: 21.7% of the project (or 28% of the loan), being EUR 56,449, compared to EUR 24,606 in 2021 (+129% over one year)
Average loan amount: 201,570 euros, compared to 202,253 euros in 2021
Occitania:
Average contribution: 18.9% of the project (or 23% of the loan), ie 38,152 euros in 2022, compared to 29,554 euros in 2021 (+29% over one year)
Average loan amount: 162,945 euros, compared to 232,628 euros a year earlier (-29%)
Auvergne-Rhone-Alpes:
Average contribution: 20.1% of the project (or 25% of the loan), being 88,991 euros, compared to 49,735 euros in 2021 (+78% over one year)
Average loan amount: 355,470 euros, compared to 232,628 euros in 2021 (+52%)
Ile de France :
Average contribution: 19.9% of the project (or 25% of the loan), being 132,899 euros in 2022 compared to 85,985 euros in 2021 (+54% over one year)
Average loan amount: 535,842 euros, compared to 448,301 euros a year earlier (+19%)
Provence-Alpes-Côte d’Azur :
Average contribution: 23.7% of the project (or 31% of the loan), being 74,688 euros in 2022, compared to 52,494 euros in 2021 (+42% over one year)
Average loan amount: 240,714 euros in 2022, compared to 261,551 a year earlier (-8% over one year)
Hauts-de-France:
Average contribution: 19.3% of the project (or 23% of the loan), i.e. 46,473 euros in 2022 compared to 22,638 euros in 2021 (+105%)
Average loan amount: 193,856 euros, compared to 210,500 euros in 2021 (-8% over a year)
