French financial institutions issued 171.3 billion euros in housing loans in 2025, a 29.3% increase from the previous year, according to the ACPR (Autorité de Contrôle Prudentiel et de Résolution). This growth occurred despite the banks operating with negative margins when granting these loans. The reason for this trend is straightforward: mortgage loans have become an appealing product for customers. Once a borrower is secured, banks aim to turn the relationship profitable through additional services such as current accounts, insurance, savings accounts, or payment methods. This strategy explains why financial institutions continue, at the start of 2026, to offer competitive interest rates and actively attract borrowers. In a separate development, a deputy has called on the government to ease the rules for elderly individuals who are required to move into an Ehpad (a type of nursing home for the elderly). The proposal includes increasing the reference income thresholds and granting more time to sell their homes. Currently, the sale of a home by an elderly person can benefit from an exemption on capital gains, but only under certain conditions, including income limits and time constraints. According to the MoneyVox simulator, a retiree with an annual pension of 45,280 euros could face an additional tax of 458 euros if the government lowers the threshold for the 10% tax exemption on pensions to 3,000 euros. This change would most strongly affect taxpayers in this category, increasing their total tax from 5,207 to 5,665 euros. The proposed tax adjustment highlights the potential financial burden on retirees and the need for careful policy consideration.