Renegotiating a Mortgage Loan: When Paying It Off Makes Sense

Paris - 08.08.2026: Early repayment or renegotiation of a mortgage loan can ease the financial burden on households. Whether it is actually worthwhile, however, depends on several factors: the contractual borrowing rate, the remaining loan amount, the remaining term, possible early repayment penalties, as well as the return and availability of personal savings.The Banque de France put the average interest rate on new housing loans excluding refinancing in May 2026 at 3.21 percent. Those who took out their existing loan at a significantly lower fixed rate will therefore generally not ...