Lâ € ™ increase in funded in 2006 is 12.5% (244 billion) compared to 17.4% in 2005. three quarters exceed the 100 thousand euro.
The trend that emerges from the 22nd edition â € ™ Observatory on retail design by CRIF and Assofin Promoteia is that demand is in decline but is more structured by the type of applicants.
The rise in by the ECB, the less dynamic of the market and the management policies of the claims by the operators may be the factors that contributed to decline in 2006 of 12.5% compared to 17.4% of 2005 despite the stock of 244 billion euros. Lâ € ™ However, enlargement of the catchment area and the greater flexibility â € ™ offering provides hope for lâ € ™ evolution of the market in the coming years.
The amounts paid by operators in 2006 saw an increase of 72% for loans above 100 thousand euros, an increase of 17% compared to 2003 and are paid mostly longer than 25 years compared to those between 16 and 20 which were distributed in more 2002.tra rates apply, applicants prefer the more variable (64%) despite a reduction of 10 points compared to 2005 while the fixed rate stands at 21%.

In 2006, the catchment area it is extended to the elderly, young, atypical workers but especially the immigrants with a request to purchase 12% of homes especially in Northern Thanks to increased competition from operators and solutions through innovation and more flexible.
In the last year lâ € ™ of financial intermediaries, agents and brokers and sales via the Internet is growing, reaching 40% of flows compared to 35% in 2003. Whether it was the role of specialized banks, and through a network of external commercial networks in the area, they distributed 78% of their loans.

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