Groupe VINSIX
12 October 2026
On 9 October 2026 the French state was borrowing for ten years at 4.86%. On the same day a household could obtain a twenty-year mortgage at around 3.60%. A private individual is therefore funding 1.25 points below the Treasury: a rare situation, held in place only by shock absorbers that are wearing thin. Above it sits a legal ceiling, the usury rate, just set at 5.40% for the fourth quarter. Groupe VINSIX takes the mechanism apart, with the arithmetic.
Read the analysis →5 October 2026
$113,348 for every American, $75,208 for every French resident, $42,686 for every Swiss: divided by population, sovereign debt is dizzying. Yet the figure measures scale, not solvency. Markets made the point on 1 October 2026, when France borrowed for ten years at 4.92%, more than Italy, which owes more per head. Groupe VINSIX sets out what the ranking says, what it leaves out, and how it ends up in the cost of a property loan.
Read the analysis →30 September 2026
On 22 September 2026, the Central Bank of Paraguay held its policy rate at 5.50% while the ECB and the Fed are raising theirs. Two of the three major agencies now rate the country investment grade, public debt sits below 42% of GDP and the state increasingly borrows in its own currency. A textbook case for anyone financing real estate between Europe and South America.
Read the analysis →25 September 2026
A second ECB hike in three months, the Fed's first increase since 2023, 12-month Euribor back above 3% and euro area inflation at 3.2%: the energy shock born of Middle East tensions has reopened the tightening cycle. What it changes for real estate borrowers in Europe.
Read the analysis →The analyses published on this blog are provided for general information only; they constitute neither investment advice, nor an offer, nor a solicitation.
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