According to, 2012 ended on a better note than when it started. With historically low mortgage rates, notably explained by a decline in State borrowing rates and a go-ahead policy led by the banks. Over the past financial year, fixed rates have in fact declined by 0.76 points on average. In real terms, a mortage of 200,000 € over 20 years cost 80 € less per month in December than in January, 2012.

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