I pay a below 1% fixed rate for a 20 years mortgage since 4 years ago here in Belgium

I went to a mortgage broker first who offered me worse tho not necessarily bad rates with other banks as an option. The 2 best options I found were not on his roster. The mortgage broker did say he preferred not taking insurance discounts as those insurance cost could go up up to a maximum and couldn't then be renegotiated separately. But so far it's been better for me and of course that broker would also have negotiated the separate insurance and gotten his cut.

The current rate in France is more or less 3.2% for 25 years. It's better than the rates we see on this page but as someone who bought at a rate of 1% (1.75% real rate, something like that) I strongly advise people not to have a 33% debt ratio.

This is the max allowed by banks but it's a huge risk compared to renting which is basically risk-free. Buying something less expensive to have a smaller debt ratio may be better than renting.

ps: comparing rates alone isn't fair because Europe has a lot more taxes

Right there on https://hypofriend.de/en/mortgage-rates-germany first link on Google.