{"id":1540,"date":"2017-08-04T17:54:24","date_gmt":"2017-08-04T15:54:24","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/et-si-les-taux-remontaient-a-la-rentree_-n.html"},"modified":"2020-07-28T15:31:27","modified_gmt":"2020-07-28T13:31:27","slug":"et-si-les-taux-remontaient-a-la-rentree_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/et-si-les-taux-remontaient-a-la-rentree_-n.html","title":{"rendered":"Et si les taux remontaient \u00e0 la rentr\u00e9e ?"},"content":{"rendered":"

Quasiment aucun changement notable dans la valeur des taux d’int\u00e9r\u00eat depuis deux mois, c’est le constat g\u00e9n\u00e9ral fait par tous les sp\u00e9cialistes du cr\u00e9dit immobilier. Les courtiers, en observateurs attentifs et professionnels aguerris, confirment cette stabilit\u00e9. Se pourrait-il que la rentr\u00e9e signe la fin de l’accalmie ? Chez acecredit, courtier en cr\u00e9dit immobilier, les taux actuels se n\u00e9gocient quasiment sur les m\u00eames bases que celles de l’\u00e9t\u00e9 dernier. Les nouveaux emprunteurs se voient proposer en ce d\u00e9but de mois 1.20 % sur 10 ans, 1,47 % sur 15 ans, 1,70 % sur 15 ans et 1,85 % sur 25 ans pour les bons dossiers (source acecredit).<\/p>\n

Statu quo estival<\/strong><\/h2>\n

C’est bien s\u00fbr toujours une excellente nouvelle pour les emprunteurs Ces taux, toujours tr\u00e8s bas, permettent \u00e0 nombre d’acqu\u00e9reurs potentiels de financer leur achat<\/a> et d’absorber en partie la hausse des prix de vente cons\u00e9quente \u00e0 une diminution de l’offre pour une demande qui ne faiblit pas. \u00ab On ne craint pas une remont\u00e9e des taux, mais plut\u00f4t la remont\u00e9e rapide des prix de l’immobilier amorc\u00e9e en 2015. En tenant compte de l’inflation, on est m\u00eame \u00e0 un niveau relatif des taux au plus bas depuis 1975 \u00bb, <\/em>affirme-t-on m\u00eame chez Cr\u00e9dit Logement\/CSA.
\nCette configuration est b\u00e9n\u00e9fique aux m\u00e9nages les plus jeunes et les moins ais\u00e9s, souvent oblig\u00e9s de souscrire des emprunts plus longs faute d’apport personnel important.<\/p>\n

Une hausse est possible<\/strong><\/h2>\n

Toutefois, les professionnels sont oblig\u00e9s d’anticiper le prochain semestre. L’hypoth\u00e8se d’une hausse des taux n’est pas \u00e0 exclure. Un changement de politique de la BCE pourrait impacter \u00e0 la hausse les taux obligataires long terme (OAT 10 ans) qui servent de r\u00e9f\u00e9rence aux taux immobiliers.<\/p>\n

Les banques vont aussi probablement \u00e0 chercher \u00e0 augmenter leur marge mise \u00e0 mal par l’amendement Bourquin adopt\u00e9 en f\u00e9vrier dernier. Celui-ci offre en effet, \u00e0 compter du 1er<\/sup> janvier 2018, la possibilit\u00e9 aux emprunteurs de changer d’assurance de pr\u00eat, chaque ann\u00e9e, au moment de l’\u00e9ch\u00e9ance. Un manque \u00e0 gagner r\u00e9el pour les banques qui devront faire face \u00e0 une rude concurrence. Et un vrai gain pour les emprunteurs gr\u00e2ce \u00e0 la baisse des tarifs.<\/p>\n","protected":false},"excerpt":{"rendered":"

Quasiment aucun changement notable dans la valeur des taux d’int\u00e9r\u00eat depuis deux mois, c\u2019est le constat g\u00e9n\u00e9ral fait par tous les sp\u00e9cialistes du cr\u00e9dit immobilier. Les courtiers, en observateurs attentifs et professionnels aguerris, confirment cette stabilit\u00e9. Se pourrait-il que la rentr\u00e9e signe la fin de l\u2019accalmie\u00a0?<\/p>\n","protected":false},"author":4,"featured_media":1541,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nDes taux qui remontent \u00e0 la rentr\u00e9e ?<\/title>\n<meta name=\"description\" content=\"Aucun changement notable pour les taux d'int\u00e9r\u00eat depuis deux mois. Les courtiers confirment cette stabilit\u00e9. 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