{"id":1294,"date":"2016-11-20T13:13:21","date_gmt":"2016-11-20T12:13:21","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/des-taux-immobiliers-trop-bas-pour-durer-en-2017_-n.html"},"modified":"2020-07-28T15:31:33","modified_gmt":"2020-07-28T13:31:33","slug":"des-taux-immobiliers-trop-bas-pour-durer-en-2017_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/des-taux-immobiliers-trop-bas-pour-durer-en-2017_-n.html","title":{"rendered":"Des taux immobiliers trop bas pour durer en 2017 ?"},"content":{"rendered":"<p>La tendance \u00e0 la baisse des taux d&rsquo;int\u00e9r\u00eats des cr\u00e9dits immobiliers<\/a> s&rsquo;est maintenue en octobre et d\u00e9but novembre 2016,&nbsp;les portant ainsi \u00e0 des niveaux historiquement bas, quasiment jamais vus d&rsquo;apr\u00e8s les sp\u00e9cialistes financiers.<br \/>\nLes meilleurs dossiers des futurs emprunteurs peuvent esp\u00e9rer obtenir maintenant un taux minimum de pr\u00eat immobilier autour de 0,90 % pour une dur\u00e9e de 15 ans et de 1,10 % sur 20 ans.<br \/>\nCertains indicateurs montrent que les taux immobiliers ont atteint un \u00ab\u2009<strong>seuil plancher<\/strong>\u2009\u00bb et qu&rsquo;ils pourraient partiellement et progressivement remonter en d\u00e9but d&rsquo;ann\u00e9e prochaine, m\u00eame s&rsquo;ils devraient rester encore tr\u00e8s attractifs.<br \/>\n&nbsp;<\/p>\n<h2>Des taux planchers oui, mais \u2026<\/h2>\n<p>D&rsquo;ici l\u00e0, force est de constater que les conditions actuelles d&rsquo;acc\u00e8s au cr\u00e9dit sont exceptionnelles pour <strong>n\u00e9gocier <\/strong>et surtout <strong>ren\u00e9gocier son pr\u00eat immobilier<\/strong>. Il faut absolument en profiter m\u00eame si la d\u00e9marche peut para\u00eetre de prime abord fastidieuse. La ren\u00e9gociation permet aux emprunteurs de baisser consid\u00e9rablement le co\u00fbt et la dur\u00e9e de leur pr\u00eat immobilier qui peuvent encore gagner au moins 1 % par rapport aux taux pratiqu\u00e9s en 2015. Faire appel \u00e0 un courtier va consid\u00e9rablement faciliter la t\u00e2che.<\/p>\n<p>Mais attention, c<strong>&lsquo;est maintenant qu&rsquo;il faut agir<\/strong>. Pour plusieurs raisons li\u00e9es des \u00e9v\u00e9nements ind\u00e9pendants du march\u00e9 immobilier lui-m\u00eame. D&rsquo;une part, les banques ont d\u00e9j\u00e0 remplis leurs objectifs annuels de distribution de cr\u00e9dits et n&rsquo;auront donc pas int\u00e9r\u00eat \u00e0 poursuivre la baisse des taux pour se faire concurrence.<br \/>\nD&rsquo;autre part, le r\u00e9sultat de l&rsquo;\u00e9lection am\u00e9ricaine va venir impacter les march\u00e9s financiers qui anticipent d\u00e9j\u00e0 un retour de l&rsquo;inflation et une<strong> hausse des taux<\/strong>. Pour preuve, le taux d&rsquo;int\u00e9r\u00eat des OAT \u00e0 10 ans (obligations assimilables du tr\u00e9sor), l&rsquo;indicateur de r\u00e9f\u00e9rence pour l&rsquo;\u00e9tablissement des taux immobiliers en France, a bondi de 0,45 \u00e0 0,83% entre le 8 novembre (jour de l&rsquo;\u00e9lection am\u00e9ricaine) et le 14 novembre derniers. Pour l&rsquo;instant, cette hausse semble encore plut\u00f4t faible et progressive.<br \/>\n&nbsp;<\/p>\n<h2>Ne plus tarder pour faire son cr\u00e9dit immo ou son rachat<\/h2>\n<p>D\u00e9but 2017, la hausse devrait \u00eatre limit\u00e9e avec un impact minimis\u00e9 pour les emprunteurs car les prix de ventes immobili\u00e8res restent raisonnables voir plut\u00f4t \u00e0 la baisse. Mais une hausse de 0.5 points sur un taux immobilier signifie, \u00e0 mensualit\u00e9 \u00e9gale, <strong>un manque \u00e0 emprunter de quelques dizaines de milliers d&rsquo;euros<\/strong> et des int\u00e9r\u00eats \u00e0 rembourser plus \u00e9lev\u00e9s.<br \/>\nLes toutes prochaines semaines sont donc particuli\u00e8rement propices \u00e0 la signature d&rsquo;un cr\u00e9dit ou \u00e0 sa ren\u00e9gociation.<br \/>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La tendance \u00e0 la baisse des taux d\u2019int\u00e9r\u00eats des cr\u00e9dits immobiliers s&rsquo;est maintenue en octobre et d\u00e9but novembre 2016,\u00a0les portant ainsi \u00e0 des niveaux historiquement bas, quasiment jamais vus d\u2019apr\u00e8s les sp\u00e9cialistes financiers. Les meilleurs dossiers des futurs emprunteurs peuvent esp\u00e9rer obtenir maintenant un taux minimum de pr\u00eat immobilier autour de 0,90 % pour une dur\u00e9e de 15 ans et de 1,10 % sur 20 ans. Certains indicateurs montrent que les taux immobiliers ont atteint un \u00ab\u2009seuil plancher\u2009\u00bb et qu\u2019ils pourraient partiellement et progressivement remonter en d\u00e9but d\u2019ann\u00e9e prochaine, m\u00eame s&rsquo;ils devraient rester encore tr\u00e8s attractifs.<\/p>\n","protected":false},"author":4,"featured_media":1295,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1294","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>Des taux \u00e0 la baisse en 2017 ?<\/title>\n<meta name=\"description\" content=\"D\u00e9but novembre,\u00a0les taux ont atteint un seuil plancher. 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