Real estate loan: more women buy alone


You have certainly heard about it, the International Day of Women’s Rights is celebrated on March 8th. On this occasion, the broker Empruntis has dissected the files deposited on its site to deliver an analysis of the “feminine” real estate projects in 2016.

“Lonely” women are more numerous than in 2015

The woman is the future of the Man… but the fair sex also thinks of its own future. The proportion of ” sole buyers ” in 2016 is thus greater than the previous year (+ 46%), but men alone are not left behind (+ 58%). Note that single women represent only 30% of borrowers (31.5% in 2015).

By the term ” single woman “, Empruntis refers to unmarried women (who make up the majority of this borrower profile with 81%), divorced women (16.90%) and widows (2.09%).

The main residences, favorite project of women (and by far)

The main residences, favorite project of women (and by far)

At the same time, it is not really a surprise… Women mainly invested in a principal residence (89.39%) in 2016, ahead of rental investments (7.89%) and second homes (2.72%). In comparison, the main residences account for 85.05% of the projects carried out by men, followed by rental investments (12.24%).

Single-and-younger first-time buyers

Single-and-younger first-time buyers

The share of singles among first-time buyers (those who buy for the first time) reached 84%, 2.6 points more than in 2015. Far behind, divorced and widowed represent respectively 15% and 1%. In terms of age, single persons acquiring for the first time their housing are on average 35 years old, against 46 years for divorced and 52 years for widows.

The age of men is roughly the same as that of women: 35 for singles (91% of first-time buyers), 47 for divorced and 53 for widowers.

Women borrow more

The amount of the real estate transaction increases by 9%, as well as that of the loan (+ 12%). However, women who have gone through Empruntis have less income (-12%) and less personal contribution (-4%). In this case, why has women’s real estate purchasing power increased?

In fact, the reasons for this gain in real estate purchasing power are not new. There are obviously the historically low levels of real estate rates, but also the maintenance of incentives, in the first place the Zero Rate Loan. ” In 2016, we saw a greater proportion of single and especially younger women to access credit, confirms Cécile Roquelaure. The ideal financing conditions allowed them to borrow more with less income and contribution compared to 2015 and only extending the credit period by two months ! “.

First-time buyers are….

First-time buyers are....

Borrisis drew a robot portrait of first-time buyers and compares each data with their male counterparts:

  • Age: 36 years and 10 months (+8 months compared to men);

  • Loan amount: € 141,774 (-5.16%);

  • Duration of loan: 17 years and 7 months;

  • Contribution from savings: € 46,564 (-7%)

  • Income: € 3,180 (-9%);

  • Share without contribution: 10.27% (+ 7%);

  • Share of PTZ beneficiaries: 24.77% (+ 7%);

  • PTZ amount: € 56,217.

CSP: Employees at the top of the borrowers

They account for 45% of borrowers, ahead of senior managers (24%), civil servants (23%) and workers (2%). The share of executives decreased by 13% over one year for the benefit of employees, a sign that ” the conditions of financing have strongly allowed the access to the property “.

Women, motors of the couple

Women, motors of the couple

Another study scrutinizing women’s relationship / real estate purchase was published by the Immonot notarial real estate site. This reveals in particular the predominant role of women in a couple in the acquisition. When only one spouse embarks on this type of project (23% to 30% of cases), it is more often the case for women, whether they are visits (14.9% versus 7.8%), the final choice (16.3%, against 10.9%) or the payment of rent when the occupants are tenants (26.6% against 23.7%).