{"id":1632,"date":"2017-11-22T23:15:36","date_gmt":"2017-11-22T22:15:36","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit-immobilier-1-reve-ou-realite_-n.html"},"modified":"2020-07-28T15:31:24","modified_gmt":"2020-07-28T13:31:24","slug":"taux-de-credit-immobilier-1-reve-ou-realite_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit-immobilier-1-reve-ou-realite_-n.html","title":{"rendered":"Taux de cr\u00e9dit immobilier : 1%, r\u00eave ou r\u00e9alit\u00e9 ?"},"content":{"rendered":"

Les taux des cr\u00e9dits actuellement pratiqu\u00e9s ne sont certes plus au niveau de ceux propos\u00e9s en fin d’ann\u00e9e 2017 qui atteignaient alors – faut-il le rappeler – des valeurs historiquement basses telles que, par exemple, un tr\u00e8s attractif taux de 0.90 % (hors assurance) sur 10 ans en d\u00e9cembre 2016 (source acecredit.fr). Une ann\u00e9e plus tard, est-il encore possible d’obtenir des offres tout aussi comparables ?
\n 
\nDepuis la rentr\u00e9e, les taux ont \u00e9t\u00e9 plut\u00f4t sages. Stoppant leur l\u00e9g\u00e8re remont\u00e9e, ils se sont stabilis\u00e9s \u00e0 des niveaux un peu plus \u00e9lev\u00e9s que ceux constat\u00e9s en fin d’ann\u00e9e 2016, mais toujours tr\u00e8s bas. Bien s\u00fbr, il va \u00eatre aujourd’hui bien plus difficile<\/strong> (voir exceptionnel) d’obtenir un taux <\/strong>proche ou inf\u00e9rieur \u00e0 1%<\/strong>. Mais comme toujours en mati\u00e8re de cr\u00e9dit, tout va d\u00e9pendre du profil des emprunteurs, de la nature du bien acquis et de sa localisation.<\/p>\n

Un profil de fourmi pour rassurer son banquier<\/strong><\/h2>\n
Cigale ou fourmi ? C’est la premi\u00e8re chose que les banques vont chercher \u00e0 savoir \u00e0 travers l’\u00e9tude d\u00e9taill\u00e9e qu’elles vont faire de votre dossier et de vos extraits de compte courant. Stabilit\u00e9 et notamment stabilit\u00e9 professionnelle<\/strong> (anciennet\u00e9, CDI, perspective d’\u00e9volution) et r\u00e9gularit\u00e9 des revenus<\/strong> sont des points essentiels \u00e0 mettre en avant.<\/p>\n

El\u00e9ments d\u00e9terminants et essentiels : l’apport <\/strong>envisag\u00e9 et l’\u00e9pargne <\/strong>d\u00e9j\u00e0 constitu\u00e9e. Plus l’apport est \u00e9lev\u00e9 et \/ ou l’\u00e9pargne cons\u00e9quente, plus le dossier sera favorablement \u00e9tudi\u00e9, avec les meilleures chances d’obtenir un excellent taux.<\/p>\n

Enfin, le futur emprunteur sera aussi \u00e9valu\u00e9 sur sa capacit\u00e9 \u00e0 respecter son budget (donc \u00e0 ne pas \u00eatre d\u00e9couvert) et \u00e0 ne pas se disperser dans des cr\u00e9dits \u00e0 la consommation,<\/strong> m\u00eame de faibles montants. Mieux vaut parfois rembourser de fa\u00e7on anticip\u00e9e avant de d\u00e9marrer toute demande de cr\u00e9dit immobilier afin de pouvoir pr\u00e9senter trois relev\u00e9s mensuels de compte courant sans points n\u00e9gatifs.<\/div>\n

Faire jouer la concurrence localement<\/strong><\/h2>\n
Gardez en m\u00e9moire que le cr\u00e9dit immobilier reste toujours le produit d’appel phare pour les banques dans leur conqu\u00eate de nouveaux clients. Pour remplir leurs objectifs 2017, ambitieux apr\u00e8s des r\u00e9sultats historiques en 2016, les banques sont pr\u00eates \u00e0 minimiser leurs marges commerciales<\/strong> pour proposer aux emprunteurs des conditions de pr\u00eat immobilier les moins ch\u00e8res.<\/p>\n

Dans des zones o\u00f9 l’activit\u00e9 est moins soutenue, le faible niveau des demandes de financement peut ainsi conduire les \u00e9tablissements bancaires \u00e0 consentir des ristournes plus facilement sur les taux propos\u00e9s. Et l’inverse est vrai aussi : un bien situ\u00e9 dans une zone tendue se revend facilement, rendant alors l’op\u00e9ration de financement tr\u00e8s peu risqu\u00e9e, ce qui joue en faveur d’une baisse de taux.<\/p>\n

Dans tous les cas de figure, en faisant appel \u00e0 un courtier en cr\u00e9dit immobilier<\/a> comme acecredit.fr, les futurs emprunteurs multiplient les chances de obtenir un taux le plus bas<\/strong>.<\/div>\n","protected":false},"excerpt":{"rendered":"

Les taux des cr\u00e9dits actuellement pratiqu\u00e9s ne sont certes plus au niveau de ceux propos\u00e9s en fin d\u2019ann\u00e9e 2017 qui atteignaient alors – faut-il le rappeler – des valeurs historiquement basses telles que, par exemple, un tr\u00e8s attractif taux de 0.90 % (hors assurance) sur 10 ans en d\u00e9cembre 2016 (source acecredit.fr). Une ann\u00e9e plus tard, est-il encore possible d\u2019obtenir des offres tout aussi comparables\u00a0?<\/p>\n","protected":false},"author":4,"featured_media":1633,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1632","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nObtenir un taux \u00e0 1% en 2017<\/title>\n<meta name=\"description\" content=\"En 2017, est-il encore possible d\u2019obtenir des offres de cr\u00e9dit inf\u00e9rieures \u00e0 1% comme celles constat\u00e9es fin d\u00e9cembre 2016 ( 0.90 %,hors assurance, sur 10 ans) ?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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