AFAICT rates are fixed in France for up to the maximum of 25 years. I think banks aren't allowed to loan you money for a longer time than that. If your rate wa

AFAICT rates are fixed in France for up to the maximum of 25 years. I think banks aren't allowed to loan you money for a longer time than that. If your rate was high, but the usual rates went down, you can usually renegotiate to bring it lower. edit: [0] shows the evolution of rates for several terms. The legend is red: max, yellow: average, blue: min. You can change the term with the middle dropdown, an = year. The left drop-down allows choosing a region. For Paris, pick Île-de-France. https://www.empruntis.com/financement/actualites/barometres_regionaux.php https://www.empruntis.com/financement/actualites/barometres_...