The outbreak is just beginning. Since December, when the average was 1.10%, mortgage rates reached 1.25 to 1.30 in May, according to figures from the Banque de France. This increase comes as the European Central Bank (ECB) has not yet raised its key rate (it is scheduled for July) which has not changed for 10 years. If this increase is brutal, it remains below inflation. Despite these special conditions, the production of loans is far from running out of steam, with bank customers preferring to take advantage of the current conditions which remain good, despite increasingly drastic access conditions.