[jpatte]

FYI my wife and I signed for a mortgage 4 months ago here in France for our new home. 325k€, 25-year, 1.66% interest rate, 0.8% insurance rate for complete coverage of the both of us. Both fixed rates.

The rates were actually going up at that time - if we could have borrowed 6 months earlier we would likely have had even better rates. Also if you can borrow for a shorter period of time the rates get much lower.