{"id":1652,"date":"2017-12-14T22:04:23","date_gmt":"2017-12-14T21:04:23","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-qui-achete-qui-loue-en-2017_-n.html"},"modified":"2020-07-28T15:31:24","modified_gmt":"2020-07-28T13:31:24","slug":"immobilier-qui-achete-qui-loue-en-2017_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-qui-achete-qui-loue-en-2017_-n.html","title":{"rendered":"Immobilier : qui ach\u00e8te, qui loue en 2017 ?"},"content":{"rendered":"

Acheter ou louer, qui fait quoi et quand \u2026telles sont les questions que beaucoup de Fran\u00e7ais se posent, se sont pos\u00e9s ou vont se poser. Dans son \u00e9tude sur le logement en 2017<\/a>, l’Insee apporte quelques r\u00e9ponses.<\/p>\n

Des revenus qui \u00e9voluent<\/strong><\/h2>\n
Cette d\u00e9cision d\u00e9pend des possibilit\u00e9s de cr\u00e9dit (taux d’apport personnel, taux d’int\u00e9r\u00eat, dur\u00e9e des emprunts), du revenu, de l’anticipation \u00e9ventuelle de prix et de loyer, mais aussi par la position dans le cycle de vie et les anticipations de mobilit\u00e9. Devenir propri\u00e9taire est un choix d’investissement<\/strong>, donc un arbitrage entre rendement et risque.<\/p>\n

Les jeunes, mobiles professionnellement, pr\u00e9f\u00e8rent d’abord louer un petit appartement o\u00f9 le terrain est cher, en centre-ville. Ils deviennent ensuite propri\u00e9taires quand la situation professionnelle est assur\u00e9e<\/strong>, et c’est d’autant plus vrai lorsque le couple devient et que des enfants sont arriv\u00e9s. Ils vont alors choisir une maison offrant plus d’espace, et en p\u00e9riph\u00e9rie, car moins ch\u00e8re.<\/p>\n

Entre 1996 et 2016, les prix \u00e0 la consommation ont augment\u00e9 de 31 %, le revenu disponible brut par m\u00e9nage de 40 %, tandis que le prix des logements anciens \u00e9tait multipli\u00e9 par 2,52 (et m\u00eame 2,67 en \u00cele-de-France). Apr\u00e8s une baisse cons\u00e9cutive \u00e0 la crise de 2008, la reprise a \u00e9t\u00e9 soutenue en 2016. N\u00e9anmoins, la hausse des prix a peu d’effet pour un m\u00e9nage d\u00e9j\u00e0 propri\u00e9taire de son logement : il le revend pour en acheter un autre.<\/p>\n

Par contre, la situation est nettement diff\u00e9rente pour un locataire qui d\u00e9sire acc\u00e9der \u00e0 la propri\u00e9t\u00e9. Pour les primo-acc\u00e9dants actuels, la hausse des prix freine l’achat<\/strong>, m\u00eame si elle a \u00e9t\u00e9 en partie compens\u00e9e par l’allongement de la dur\u00e9e des emprunts (19,6 ans entre 2009 et 2013, contre 14,6 ans entre 1997 et 2001) et la baisse des taux d’int\u00e9r\u00eat (3,5 % entre 2009 et 2013, contre 5,2 % entre 1997 et 20011).<\/div>\n

Un profil de propri\u00e9taire type : couple en CDI<\/strong><\/h2>\n
Former un couple avec deux apporteurs de ressources<\/strong> est presque devenu un pr\u00e9requis pour acqu\u00e9rir un logement. La stabilit\u00e9 de l’emploi<\/strong> (un CDI plut\u00f4t qu’un CDD) l’est tout autant. L’aide des parents<\/strong> est devenue plus fr\u00e9quente : un quart des acc\u00e9dants r\u00e9cents \u00e2g\u00e9s de 25 \u00e0 44 ans ont re\u00e7u un don au moment de l’achat en 2013 (contre un cinqui\u00e8me en 2001).<\/p>\n

En Europe, le taux de propri\u00e9taires varie beaucoup d’un pays \u00e0 l’autre. Il est \u00e9lev\u00e9 en Europe du Sud, rest\u00e9e longtemps plus rurale (78 % en Espagne), et faible dans celle du Centre et du Nord, plus industrielle et urbaine et o\u00f9 la location a \u00e9t\u00e9 encourag\u00e9e (50 % en Autriche). Mais le taux de propri\u00e9t\u00e9 est \u00e9galement fort au Royaume-Uni (63 %), avec de nombreuses maisons, en Belgique (66 %) ou en Europe de l’Est (81 % en Pologne).<\/p>\n

Pour le moment, en France, l’attrait pour la propri\u00e9t\u00e9 immobili\u00e8re ne semble pas avoir baiss\u00e9 : 43 % des m\u00e9nages<\/strong> qui souhaitent changer de logement ou pensent \u00eatre contraints de le faire souhaiteraient \u00eatre propri\u00e9taires<\/strong>, dans des proportions comparables \u00e0 celles observ\u00e9es dans le pass\u00e9.<\/div>\n","protected":false},"excerpt":{"rendered":"

Acheter ou louer, qui fait quoi et quand \u2026telles sont les questions que beaucoup de Fran\u00e7ais se posent, se sont pos\u00e9s ou vont se poser. Dans son \u00e9tude sur le logement en 2017, l\u2019Insee apporte quelques r\u00e9ponses.<\/p>\n","protected":false},"author":4,"featured_media":1653,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1652","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nAcheter ou louer en 2017 ?<\/title>\n<meta name=\"description\" content=\"Acheter ou louer, c'est la question que beaucoup se posent ou vont se poser. 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