{"id":1476,"date":"2017-05-22T22:58:20","date_gmt":"2017-05-22T20:58:20","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-dynamisme-du-credit-immobilier-en-europe-profite-surtout-aux-francais_-n.html"},"modified":"2020-07-28T15:31:28","modified_gmt":"2020-07-28T13:31:28","slug":"le-dynamisme-du-credit-immobilier-en-europe-profite-surtout-aux-francais_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-dynamisme-du-credit-immobilier-en-europe-profite-surtout-aux-francais_-n.html","title":{"rendered":"Le dynamisme du cr\u00e9dit immobilier en Europe profite surtout aux Fran\u00e7ais"},"content":{"rendered":"<p>Selon la 5<sup>\u00e8me<\/sup> \u00e9tude du Cr\u00e9dit Foncier sur le cr\u00e9dit immobilier des m\u00e9nages des vingt-huit pays de l&rsquo;Union europ\u00e9enne, les m\u00e9nages fran\u00e7ais b\u00e9n\u00e9ficient d&rsquo;un pouvoir d&rsquo;achat immobilier<\/a> a augment\u00e9 de 29 % en raison de la baisse quasi continue des taux d&rsquo;int\u00e9r\u00eat.<\/p>\n<p>Fortes disparit\u00e9s d&rsquo;un pays \u00e0 l\u2018autre<\/p>\n<p>M\u00eame si le&nbsp;recours&nbsp;au cr\u00e9dit reste&nbsp;tr\u00e8s in\u00e9gal d&rsquo;un pays \u00e0 un autre,&nbsp;quatre ensembles se distinguent&nbsp;:<br \/>\n&nbsp;<\/p>\n<ul>\n<li>En&nbsp;Europe du Nord&nbsp;(Danemark, Finlande, Irlande, Royaume-Uni et Su\u00e8de, soit 18&nbsp;% de la population europ\u00e9enne), les m\u00e9nages sont les plus endett\u00e9s (soit un tiers -34&nbsp;% &#8211; du total des cr\u00e9dits immobiliers en Europe). Ce recours plus important au cr\u00e9dit (80&nbsp;164&nbsp;euros par m\u00e9nage propri\u00e9taire, soit deux fois la moyenne europ\u00e9enne) s&rsquo;explique notamment par le dynamisme des march\u00e9s, un recours au cr\u00e9dit&nbsp;<em>in fine<\/em>, une fiscalit\u00e9 favorable et des traditions culturelles par rapport au cr\u00e9dit.<\/li>\n<li>L&rsquo;Europe du Centre-ouest&nbsp;(Allemagne, Autriche, Belgique, France, Luxembourg et Pays-Bas, soit 37&nbsp;% de la population) repr\u00e9sente presque la moiti\u00e9 (45&nbsp;%) des encours de cr\u00e9dits immobiliers de l&rsquo;UE. L&rsquo;encours moyen par m\u00e9nage propri\u00e9taire y est de 54&nbsp;405&nbsp;euros, soit 34&nbsp;% de plus que la moyenne europ\u00e9enne.<\/li>\n<li>Dans le&nbsp;Sud de l&rsquo;Europe&nbsp;(Chypre, Espagne, Gr\u00e8ce, Italie, Malte et Portugal), les m\u00e9nages sont globalement moins endett\u00e9s&nbsp;; on y recense seulement 18&nbsp;% des encours de cr\u00e9dits immobiliers pour 25&nbsp;% de la population europ\u00e9enne. L&rsquo;encours moyen par m\u00e9nage propri\u00e9taire s&rsquo;\u00e9l\u00e8ve \u00e0 27&nbsp;111&nbsp;euros, soit 33&nbsp;% de moins que la moyenne europ\u00e9enne&nbsp;; un niveau qui s&rsquo;explique en particulier par les cons\u00e9quences de l&rsquo;impact de la&nbsp;derni\u00e8re crise \u00e9conomique dans ces pays.<\/li>\n<li>\u200bEn&nbsp;Europe de l&rsquo;Est&nbsp;(Bulgarie, Croatie, Estonie, Hongrie, Lettonie, Lituanie, Pologne, R\u00e9publique Tch\u00e8que, Roumanie, Slovaquie et Slov\u00e9nie), les m\u00e9nages sont tr\u00e8s peu endett\u00e9s, seuls 10&nbsp;% des m\u00e9nages ont un pr\u00eat ou une hypoth\u00e8que en cours avec un montant moyen de 6&nbsp;033&nbsp;euros par m\u00e9nage propri\u00e9taire ; les prix immobiliers y sont \u00e9galement inf\u00e9rieurs.<\/li>\n<\/ul>\n<p>&nbsp;<br \/>\nEn huit ans, le pouvoir d&rsquo;achat immobilier des Fran\u00e7ais a grimp\u00e9 de 30 %<\/p>\n<p>La France se situe dans une position m\u00e9diane, \u00e0 un niveau proche de celui de son voisin allemand. La France (encours par m\u00e9nage propri\u00e9taire \u00e9gal \u00e0 49&nbsp;870&nbsp;euros) se situe au 9<sup>e<\/sup>&nbsp;rang europ\u00e9en. Les m\u00e9nages acc\u00e9dants (ceux qui sont propri\u00e9taires avec un cr\u00e9dit en cours) y repr\u00e9sentent 31&nbsp;% de la population fran\u00e7aise.<\/p>\n<p>Si la&nbsp;baisse des taux d&rsquo;int\u00e9r\u00eat&nbsp;a \u00e9t\u00e9&nbsp;tr\u00e8s importante&nbsp;dans l&rsquo;ensemble de l&rsquo;Union europ\u00e9enne, tous les m\u00e9nages europ\u00e9ens n&rsquo;en ont pas profit\u00e9 de la m\u00eame fa\u00e7on.<\/p>\n<p>Entre 2008 et 2016, les habitants des pays qui ont \u00e9galement connu une baisse des prix immobiliers ont b\u00e9n\u00e9fici\u00e9 d&rsquo;un pouvoir d&rsquo;achat significativement accru (+&nbsp;84&nbsp;% en Espagne&nbsp;; +&nbsp;53&nbsp;% en Italie).<\/p>\n<p>En France, un m\u00e9nage pouvait acqu\u00e9rir en 2016 une surface sup\u00e9rieure de 30&nbsp;% \u00e0 celle qu&rsquo;il pouvait acheter en 2008. A l&rsquo;inverse, au Royaume Uni et en Allemagne, la hausse des prix immobiliers a amoindri la capacit\u00e9 d&rsquo;endettement compl\u00e9mentaire qui avait \u00e9t\u00e9 obtenue gr\u00e2ce \u00e0 la baisse des taux d&rsquo;int\u00e9r\u00eat de cr\u00e9dit.<br \/>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selon la 5\u00e8me \u00e9tude du Cr\u00e9dit Foncier sur le cr\u00e9dit immobilier des m\u00e9nages des vingt-huit pays de l\u2019Union europ\u00e9enne, les m\u00e9nages fran\u00e7ais b\u00e9n\u00e9ficient d\u2019un taux d\u2019int\u00e9r\u00eat moyen pour le cr\u00e9dit immobilier parmi les plus bas de l\u2019UE. Entre\u00a02008 et\u00a02016, leur pouvoir d\u2019achat immobilier a augment\u00e9 de 29 % en raison de la baisse quasi continue des taux d\u2019int\u00e9r\u00eat.<\/p>\n","protected":false},"author":4,"featured_media":1477,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1476","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 : les Fran\u00e7ais bien lotis en Europe<\/title>\n<meta name=\"description\" content=\"Selon la 5\u00e8me \u00e9tude du Cr\u00e9dit Foncier sur le cr\u00e9dit immobilier des m\u00e9nages des vingt-huit pays de l\u2019Union europ\u00e9enne, les m\u00e9nages fran\u00e7ais b\u00e9n\u00e9ficient d\u2019un taux d\u2019int\u00e9r\u00eat moyen pour le cr\u00e9dit immobilier parmi les plus bas de l\u2019UE. 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