{"id":1542,"date":"2017-09-06T16:11:36","date_gmt":"2017-09-06T14:11:36","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html"},"modified":"2020-07-28T15:31:27","modified_gmt":"2020-07-28T13:31:27","slug":"credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : aucune hausse pr\u00e9vue pour la rentr\u00e9e"},"content":{"rendered":"

Apr\u00e8s une p\u00e9riode bancaire estivale sans coup de chaleur notable ni hausse vertigineuse mais au contraire bien marqu\u00e9e par une r\u00e9elle stabilit\u00e9 depuis 3 mois, la rentr\u00e9e s’annonce tout aussi calme. Du moins en ce qui concerne les taux des cr\u00e9dits immobiliers<\/a>. Une excellente nouvelle pour les particuliers qui ont ainsi pu m\u00fbrir durant l’\u00e9t\u00e9 leur projet d’acquisition immobili\u00e8re.<\/p>\n

Fin de la hausse des taux ?<\/strong><\/h2>\n

Durant l’\u00e9t\u00e9, la majorit\u00e9 des banques n’a pas augment\u00e9 leurs taux de cr\u00e9dit immobilier. Selon acecredit, courtier en cr\u00e9dit immobilier, il y a bien eu en juillet une petite hausse des taux moyens sur 10 ans (0,95 % en juin, 1,05 % en juillet) et sur des dur\u00e9es de remboursement longues (+0,05 % sur 20 et 25 ans). Les taux d’int\u00e9r\u00eat sur 15 ans, eux, sont rest\u00e9s stables par rapport \u00e0 juin 2017, avec un taux moyen \u00e0 1,30 % (hors assurance).<\/p>\n

L’Observatoire Cr\u00e9dit Logement \/ CSA proc\u00e8de \u00e0 une approche plus g\u00e9n\u00e9rale du march\u00e9 et constate m\u00eame que, pour la m\u00eame p\u00e9riode et toutes dur\u00e9es confondues, les taux des cr\u00e9dits du secteur concurrentiel se sont \u00e9tablis \u00e0 1.55% en moyenne contre 1.56% en juin 2017, soit une quasi parfaite stabilit\u00e9. La remont\u00e9e des taux qui s’est amorc\u00e9e en d\u00e9cembre dernier, avec un pic en f\u00e9vrier, a donc \u00e9t\u00e9 courte et de faible ampleur, comme cela s’\u00e9tait d\u00e9j\u00e0 observ\u00e9 en 2013 et en 2015.<\/p>\n

Une rentr\u00e9e tr\u00e8s favorable pour tous<\/strong><\/h2>\n

Cette situation avantageuse s’explique ais\u00e9ment : les OAT, sur lesquels les \u00e9tablissements financiers se reposent pour \u00e9tablir leur taux de cr\u00e9dit immobilier, se situent toujours \u00e0 des niveaux tr\u00e8s bas (entre 0,8% et 1%). Ce qui permet aux banques de maintenir un niveau de marges confortable pour elles et de garantir une politique de maintien de taux bas pour les investisseurs immobiliers, une client\u00e8le toujours recherch\u00e9e. <\/p>\n

Aucun changement majeur \u00e0 l’horizon de cette rentr\u00e9e, d\u00e9cid\u00e9ment bien sage. Les taux directeurs auxquels les banques empruntent restent bas et la BCE (Banque Centrale Europ\u00e9enne) a pr\u00e9vu de poursuivre ces conditions favorables. En cons\u00e9quence, les \u00e9tablissements bancaires continuent de proposer des taux attractifs, notamment aux primo-acc\u00e9dants, un profil tr\u00e8s pris\u00e9 actuellement.<\/p>\n

Ces derniers savent profiter des dispositifs int\u00e9ressants comme le PTZ (Pr\u00eat \u00e0 Taux Z\u00e9ro)<\/a> ou le PAS (Pr\u00eat \u00e0 l’Accession Sociale) et ont profit\u00e9 de l’\u00e9t\u00e9 pour finaliser leur achat et ne pas \u00eatre p\u00e9nalis\u00e9 par la hausse des prix de l’immobilier. Aucune raison pour eux de s’arr\u00eater en si bon chemin ! 
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Apr\u00e8s une p\u00e9riode bancaire estivale sans hausse vertigineuse mais au contraire bien marqu\u00e9e par une r\u00e9elle stabilit\u00e9 depuis 3 mois, la rentr\u00e9e s\u2019annonce tout aussi calme du c\u00f4t\u00e9 des taux des cr\u00e9dits immobiliers. Une excellente nouvelle pour les particuliers.<\/p>\n","protected":false},"author":4,"featured_media":1543,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nAucune hausse des taux de cr\u00e9dits immo cette rentr\u00e9e<\/title>\n<meta name=\"description\" content=\"Apr\u00e8s une \u00e9t\u00e9 sans hausse, la rentr\u00e9e s\u2019annonce tout aussi calme du c\u00f4t\u00e9 des taux des cr\u00e9dits immobiliers. Une excellente nouvelle pour les particuliers.\" \/>\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-aucune-hausse-prevue-pour-la-rentree_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aucune hausse des taux de cr\u00e9dits immo cette rentr\u00e9e\" \/>\n<meta property=\"og:description\" content=\"Apr\u00e8s une \u00e9t\u00e9 sans hausse, la rentr\u00e9e s\u2019annonce tout aussi calme du c\u00f4t\u00e9 des taux des cr\u00e9dits immobiliers. Une excellente nouvelle pour les particuliers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2017-09-06T14:11:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:31:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/home-2406416-640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"452\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Cr\u00e9dit immobilier : aucune hausse pr\u00e9vue pour la rentr\u00e9e\",\"datePublished\":\"2017-09-06T14:11:36+00:00\",\"dateModified\":\"2020-07-28T13:31:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html\"},\"wordCount\":451,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/home-2406416-640.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/home-2406416-640.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/home-2406416-640.jpg\",\"width\":640,\"height\":452},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit immobilier : aucune hausse pr\u00e9vue pour la rentr\u00e9e\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Aucune hausse des taux de cr\u00e9dits immo cette rentr\u00e9e","description":"Apr\u00e8s une \u00e9t\u00e9 sans hausse, la rentr\u00e9e s\u2019annonce tout aussi calme du c\u00f4t\u00e9 des taux des cr\u00e9dits immobiliers. Une excellente nouvelle pour les particuliers.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"Aucune hausse des taux de cr\u00e9dits immo cette rentr\u00e9e","og_description":"Apr\u00e8s une \u00e9t\u00e9 sans hausse, la rentr\u00e9e s\u2019annonce tout aussi calme du c\u00f4t\u00e9 des taux des cr\u00e9dits immobiliers. Une excellente nouvelle pour les particuliers.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2017-09-06T14:11:36+00:00","article_modified_time":"2020-07-28T13:31:27+00:00","og_image":[{"width":640,"height":452,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/home-2406416-640.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Cr\u00e9dit immobilier : aucune hausse pr\u00e9vue pour la rentr\u00e9e","datePublished":"2017-09-06T14:11:36+00:00","dateModified":"2020-07-28T13:31:27+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html"},"wordCount":451,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/home-2406416-640.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/home-2406416-640.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/home-2406416-640.jpg","width":640,"height":452},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-aucune-hausse-prevue-pour-la-rentree_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dit immobilier : aucune hausse pr\u00e9vue pour la rentr\u00e9e"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1542","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=1542"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1542\/revisions"}],"predecessor-version":[{"id":3729,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1542\/revisions\/3729"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/1543"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=1542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=1542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=1542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}