{"id":1676,"date":"2018-01-10T23:32:19","date_gmt":"2018-01-10T22:32:19","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-de-credits-toujours-bas-en-2018_-n.html"},"modified":"2020-07-28T15:31:23","modified_gmt":"2020-07-28T13:31:23","slug":"les-taux-de-credits-toujours-bas-en-2018_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-de-credits-toujours-bas-en-2018_-n.html","title":{"rendered":"Les taux de cr\u00e9dits toujours bas en 2018"},"content":{"rendered":"<p>C&rsquo;est une, non deux bonnes nouvelles pour tous les futurs acqu\u00e9reurs. Dans la continuit\u00e9 de 2017, les <strong>taux devraient continuer \u00e0 se situer bien en dessous des 2%<\/strong> et les prix de vente ne subir qu&rsquo;une tr\u00e8s l\u00e9g\u00e8re hausse de fa\u00e7on g\u00e9n\u00e9rale (\u00e0 l&rsquo;exception de quelques m\u00e9tropoles tr\u00e8s demand\u00e9es comme Paris et Bordeaux).<\/p>\n<h2><strong>Pas de remont\u00e9e des taux directeurs<\/strong><\/h2>\n<p>Selon la derni\u00e8re \u00e9dition de l&rsquo;ann\u00e9e 2017 de son barom\u00e8tre mensuel des prix de l&rsquo;immobilie<\/a>r r\u00e9sidentiel en France, le site d&rsquo;annonces immobili\u00e8res MeilleursAgents.com pr\u00e9voit en effet que \u00ab&nbsp;<em>l&rsquo;ann\u00e9e 2018 sera bonne, dans la continuit\u00e9 de 2017 avec des hausses de prix moyen d&rsquo;environ +&nbsp;2&nbsp;% sur l&rsquo;ensemble du territoire.<\/em>&nbsp;\u00bb. Mais surtout, <strong>le cr\u00e9dit bon march\u00e9 va rester sur sa lanc\u00e9e<\/strong>. \u00ab&nbsp;<em>Rien ne laisse pr\u00e9sager d&rsquo;\u00e9volution majeure des taux<\/em>, souligne S\u00e9bastien de Lafond, pr\u00e9sident et fondateur de MeilleursAgents.com. D&rsquo;une part, \u00ab&nbsp;&nbsp;<em>La BCE a certes resserr\u00e9 sa politique de&nbsp;<\/em><em>d&rsquo;injection de liquidit\u00e9 mais conserve ses taux \u00e0 un niveau plancher<\/em><em>. De m\u00eame, la Fed am\u00e9ricaine a remont\u00e9 ses taux directeurs sans que cela n&rsquo;ait&nbsp;<\/em><em>entra\u00een\u00e9 une remont\u00e9e des taux des emprunts d&rsquo;\u00e9tat en Europe (notamment OAT \u00e0 10 ans)&nbsp;<\/em>\u00bb. Autrement dit, cela ne modifie en rien&nbsp;\u00e0 court ou moyen terme le niveau des taux en Europe.&nbsp;<\/p>\n<h2><strong>L&rsquo;\u00e9conomie va mieux<\/strong><\/h2>\n<p>Et deuxi\u00e8me \u00e9l\u00e9ment important&nbsp;: \u00ab&nbsp;<em>la reprise \u00e9conomique qui se g\u00e9n\u00e9ralise en Europe et notamment en France<\/em>, selon S\u00e9bastien de Lafond.&nbsp;<em>Pour<em>&nbsp;l&rsquo;Insee, le PIB (+&nbsp;1,9&nbsp;%), meilleur que pr\u00e9vu (+&nbsp;1,6&nbsp;%) en 2017, devrait progresser au m\u00eame rythme l&rsquo;an prochain.<\/em><\/em>&nbsp;\u00bb. La dynamique \u00e9conomique fran\u00e7aise a incontestablement retrouv\u00e9 des couleurs alors que la France se d\u00e9couvre <strong>une nouvelle attractivit\u00e9<\/strong> dans un contexte europ\u00e9en marqu\u00e9, en autres, par les incertitudes du Brexit.<\/p>\n<h2><strong>Les banques toujours en recherche de clients<\/strong><\/h2>\n<p>Et enfin,&nbsp;les banques, qui ont des objectifs ambitieux pour 2018,<strong> n&rsquo;ont pas int\u00e9r\u00eat \u00e0 augmenter leur taux<\/strong>. Et ce d&rsquo;autant plus&nbsp;dans un contexte qui leur sera sans doute moins favorable qu&rsquo;en 2017. Difficile en effet d&rsquo;imaginer battre le record historique des 950 000 ventes enregistr\u00e9es l&rsquo;ann\u00e9e derni\u00e8re. Elles vont plut\u00f4t avoir tendance \u00e0 attendre de voir comment la demande va \u00e9voluer avec les nouvelles conditions de march\u00e9s (le PTZ 2018 en premier lieu).<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u2019est une, non deux bonnes nouvelles pour tous les futurs acqu\u00e9reurs. Dans la continuit\u00e9 de 2017, les taux devraient continuer \u00e0 se situer bien en dessous des 2% et les prix de vente ne subir qu\u2019une tr\u00e8s l\u00e9g\u00e8re hausse de fa\u00e7on g\u00e9n\u00e9rale (\u00e0 l\u2019exception de quelques m\u00e9tropoles tr\u00e8s demand\u00e9es comme Paris et Bordeaux).<\/p>\n","protected":false},"author":4,"featured_media":1677,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1676","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les taux d&#039;int\u00e9r\u00eats bien partis pour rester bas en 2018<\/title>\n<meta name=\"description\" content=\"Deux bonnes nouvelles pour les futurs acqu\u00e9reurs : 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