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Should you still wait to invest in the 8th, 16th, or 17th arrondissement ?
During the first days of March 2026, our Firm has witnessed a clear surge in firm purchase offers within the €1.5 million to €4 million segment. This momentum, far from being anecdotal, aligns with a major macroeconomic signal: the definitive stabilization of real estate interest rates. For discerning investors, this paradigm shift marks the end of the wait-and-see attitude and a return to proactive acquisition strategies.
"The main risk is no longer a brutal rise in rates. The true risk today is the loss of opportunity on a rare asset."
Le Regard Fairway
Credit conditions have considerably cleared, offering renewed visibility to solid financial profiles. Currently, for a 15-year financing term, rates are stabilizing around 3.10%, with the possibility for premium files to negotiate below the 2.90% mark. Over a 20-year period, the market displays an average of 3.25% (approaching 3.00% for excellent profiles), while 25-year loans stand at 3.35%, closely correlated with a 10-year OAT fixed at 3.40%.
Financial engineering is once again a powerful lever for optimization. The art of bank negotiation is now as crucial as the property purchase itself. Indeed, on a €2.5 million loan, a mere 0.20% variation generates savings exceeding €110,000 over the entire repayment cycle. This represents genuine wealth creation.
In the most sought-after sectors, from Plaine Monceau to Ternes, passing through the Triangle d'Or and Avenue Victor Hugo, the supply of flawless properties remains extremely limited. Following eighteen months of price adjustments, we are observing a clear qualitative recovery in valuations for these prime locations. The prolonged hesitation driven by economic fears has now given way to faster, more targeted purchasing decisions, particularly for impeccable assets between €1.5 million and €4 million.
Frequently Asked Questions by Our Investors
Will rates continue their decline in 2026 ?
A slight easing remains conceivable, but the cycle of brutal hikes is resolutely behind us. Current levels are perfectly aligned with a healthy market.
Is it the right time to invest in the 8th arrondissement ?
Regarding exceptional properties, tension is gradually returning. Delaying your investment today involves a genuine opportunity cost.
What is the current marketing duration ?
For properties without defects, time on the market is shrinking significantly. The end of the wait-and-see approach is triggering much faster decision-making in the €1.5M to €4M segment.
Luxury Real Estate
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