{"id":1163,"date":"2016-02-15T10:26:16","date_gmt":"2016-02-15T09:26:16","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-comment-se-calcule-le-teg_-n.html"},"modified":"2020-07-28T15:33:05","modified_gmt":"2020-07-28T13:33:05","slug":"credit-immobilier-comment-se-calcule-le-teg_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-comment-se-calcule-le-teg_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : comment se calcule le TEG ?"},"content":{"rendered":"<p><strong>Qu&rsquo;est-ce que le TEG&nbsp;?<\/strong><br \/>\nIl s&rsquo;agit du Taux Effectif Global, autrement dit du taux d&rsquo;int\u00e9r\u00eat, exprim\u00e9 en pourcentage, auquel vous pouvez obtenir votre cr\u00e9dit immobilier. Il est \u00e9galement appel\u00e9 TAEG pour Taux Annuel Effectif Global. Celui-ci comprend le co\u00fbt du pr\u00eat, les frais de dossier, l&rsquo;assurance et les frais de garantie. Il est beaucoup \u00e9voqu\u00e9 en cette p\u00e9riode o\u00f9 les taux des cr\u00e9dits immobiliers sont particuli\u00e8rement bas. Attention toutefois \u00e0 ne pas confondre le TEG avec le taux nominatif ou taux de base, qui lui ne comprend pas l&rsquo;ensemble des frais imputables au cr\u00e9dit. En effet, le TEG a pour but de vous prot\u00e9ger en tant que consommateur, en prenant en compte tous les frais li\u00e9s au cr\u00e9dit.<\/p>\n<p><strong>Qu&rsquo;est-ce qui peut faire varier un TEG&nbsp;?<\/strong><br \/>\nUn professionnel du cr\u00e9dit ne proposera pas forc\u00e9ment le m\u00eame TEG \u00e0 deux emprunteurs aux profils distincts. La dur\u00e9e du cr\u00e9dit fait d\u00e9j\u00e0 \u00e9voluer le TEG. Plus la dur\u00e9e du cr\u00e9dit est longue et plus le TEG est \u00e9lev\u00e9. La banque va \u00e9galement \u00e9valuer le facteur risque, selon le dossier de l&#8217;emprunteur. Enfin, le TEG est li\u00e9 au taux de l&rsquo;OAT (Obligation Assimilable du Tr\u00e9sor) \u00e0 10 ans, qui correspond au taux d&#8217;emprunt d&rsquo;\u00c9tat. C&rsquo;est notamment ce dernier, particuli\u00e8rement bas en ce moment, qui influe sur les taux des cr\u00e9dits immobiliers propos\u00e9s par les banques.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour \u00eatre s\u00fbr de profiter d\u2019une offre de cr\u00e9dit int\u00e9ressante, avec un taux d\u2019int\u00e9r\u00eat d\u00e9fiant la concurrence, il faut bien comprendre les diff\u00e9rents taux \u00e9nonc\u00e9s par le banquier. Ainsi, il est important de bien comprendre ce qu\u2019est le TEG et ce qu\u2019il englobe. Explications.<\/p>\n","protected":false},"author":4,"featured_media":1164,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit immobilier : comment se calcule le TEG ? - Ace Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-comment-se-calcule-le-teg_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : comment se calcule le TEG ? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Pour \u00eatre s\u00fbr de profiter d\u2019une offre de cr\u00e9dit int\u00e9ressante, avec un taux d\u2019int\u00e9r\u00eat d\u00e9fiant la concurrence, il faut bien comprendre les diff\u00e9rents taux \u00e9nonc\u00e9s par le banquier. 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