{"id":1596,"date":"2017-10-20T16:42:07","date_gmt":"2017-10-20T14:42:07","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-credit-immobilier-en-legere-baisse-cet-automne_-n.html"},"modified":"2020-07-28T15:31:25","modified_gmt":"2020-07-28T13:31:25","slug":"le-credit-immobilier-en-legere-baisse-cet-automne_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-credit-immobilier-en-legere-baisse-cet-automne_-n.html","title":{"rendered":"Le cr\u00e9dit immobilier en l\u00e9g\u00e8re baisse cet automne"},"content":{"rendered":"

Depuis un mois, un petit mouvement de baisse des taux des cr\u00e9dits immobiliers s’est amorc\u00e9. Mais c’est plut\u00f4t la stabilit\u00e9 qui reste la norme aupr\u00e8s des banques.<\/p>\n

L’immobilier va plut\u00f4t bien, merci !<\/strong><\/h2>\n

Le niveau historiquement bas des taux des cr\u00e9dits immobiliers explique le dynamisme du march\u00e9 de l’immobilier dans le neuf comme dans l’ancien depuis plus d’un an. D’o\u00f9 les records actuels en termes de volumes de transactions r\u00e9alis\u00e9es  (9210 000 logements vendus en un an selon l’indice Notaires-Insse). Apr\u00e8s avoir augment\u00e9 de fa\u00e7on mod\u00e9r\u00e9e mais r\u00e9guli\u00e8re au cours des trois premiers mois de 2017, les taux sont rest\u00e9s pratiquement stables<\/strong> depuis avril pour atteindre en septembre 1.56 % en moyenne (hors assurance et toutes dur\u00e9es confondues), toujours sous la barre des 2% m\u00eame pour les pr\u00eats sur 25 ans selon l’Observatoire du cr\u00e9dit logement \/ CSA<\/a>.<\/p>\n

Ce contexte a permis ainsi aux secondo-acc\u00e9dants de s’agrandir \u00e0 moindre frais tandis que les primo-acc\u00e9dants ont eu largement recours au dispositif PTZ (pr\u00eat \u00e0 taux z\u00e9ro) pour am\u00e9liorer leurs conditions d’emprunt.<\/p>\n

En revanche, la hausse rapide des prix de l’immobilier p\u00e8se de plus en plus lourdement sur une demande qui s’affaiblit. D\u00e8s avril, la demande en cr\u00e9dit immobilier a pr\u00e9sent\u00e9 ses premiers signes d’essoufflement et depuis, ce repli s’est confirm\u00e9. Apr\u00e8s un mois d’ao\u00fbt calme, comme \u00e0 son habitude, la demande ne s’est que mod\u00e9r\u00e9ment ressaisie en septembre.<\/p>\n

Aucune hausse en vue<\/strong><\/h2>\n

Les \u00e9tablissements bancaires doivent donc faire face au ralentissement de la demande de cr\u00e9dits<\/strong> depuis le d\u00e9but de l’\u00e9t\u00e9, ralentissement qui s’est encore poursuivi cette rentr\u00e9e. Les banques vont maintenir une politique de forte conqu\u00eate commerciale qui passe par la stabilit\u00e9, voire m\u00eame une l\u00e9g\u00e8re diminution des taux, ces derniers \u00e9tant la meilleure solution pour capter une nouvelle client\u00e8le. acecr\u00e9dit<\/strong>, r\u00e9seau national sp\u00e9cialiste du courtage en cr\u00e9dit immobilier<\/a>, constate ainsi que le mois d’octobre est un peu plus dynamique, ce qui laisse pr\u00e9sager une fin d’ann\u00e9e positive.<\/p>\n

Ce mouvement devrait encore perdurer jusqu’\u00e0 la fin de l’ann\u00e9e,<\/strong> la Banque Centrale Europ\u00e9enne n’ayant pas l’intention de relever ses taux directeurs dans l’imm\u00e9diat. Le PTZ, reconduit pour les quatre prochaines ann\u00e9es par le gouvernement, va continuer \u00e0 jouer son r\u00f4le d’aide au logement en facilitant la recherche de financement pour tous les nouveaux acqu\u00e9reurs potentiels.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Depuis un mois, un petit mouvement de baisse des taux des cr\u00e9dits immobiliers s\u2019est amorc\u00e9. Mais c\u2019est plut\u00f4t la stabilit\u00e9 qui reste la norme aupr\u00e8s des banques.<\/p>\n","protected":false},"author":4,"featured_media":1597,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1596","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nPetite baisse des taux de cr\u00e9dits immobiliers<\/title>\n<meta name=\"description\" content=\"Une petite baisse des taux des cr\u00e9dits immobiliers s\u2019est amorc\u00e9e. 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