{"id":1686,"date":"2018-01-25T01:16:07","date_gmt":"2018-01-25T00:16:07","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/moins-de-credits-immobiliers-en-2018_-n.html"},"modified":"2020-07-28T15:31:22","modified_gmt":"2020-07-28T13:31:22","slug":"moins-de-credits-immobiliers-en-2018_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/moins-de-credits-immobiliers-en-2018_-n.html","title":{"rendered":"Moins de cr\u00e9dits immobiliers en 2018 ?"},"content":{"rendered":"<p>Selon l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA<\/a> qui vient de publier ses derni\u00e8res analyses sur l&rsquo;\u00e9tat du cr\u00e9dit immobilier en 2017, la demande des particuliers tend \u00e0 s&rsquo;essouffler.<\/p>\n<h2><strong>Hausse trompeuse<\/strong><\/h2>\n<div>La production de cr\u00e9dits&nbsp;au cours de l&rsquo;ann\u00e9e 2017 a pourtant bel et bien encore augment\u00e9 de 4,2&nbsp;% en un an. Mais on \u00e9voque ici la valeur du montant du cr\u00e9dit par op\u00e9ration. En termes de volume,&nbsp;le nombre de pr\u00eats bancaires accord\u00e9s en 2017&nbsp;a <strong>tr\u00e8s l\u00e9g\u00e8rement recul\u00e9<\/strong> (-0,8&nbsp;%) sur un an&nbsp;et affiche m\u00eame une baisse&nbsp;de 13% au quatri\u00e8me trimestre 2017, par rapport \u00e0 la m\u00eame p\u00e9riode de l&rsquo;ann\u00e9e derni\u00e8re.<\/p>\n<p>\u00ab\u00a0D\u00e8s avril la demande a pr\u00e9sent\u00e9 des signes d&rsquo;essoufflement qui se sont confirm\u00e9s au cours du printemps (&#8230;), et ne s&rsquo;est que mod\u00e9r\u00e9ment ressaisie en septembre, pour s&rsquo;affaiblir en octobre\u00a0\u00bb, explique l&rsquo;observatoire dans un communiqu\u00e9.<\/p><\/div>\n<h2><strong>L&rsquo;impact du prix de vente<\/strong><\/h2>\n<div>Raison principale de&nbsp;ce recul, selon l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA&nbsp;: l&rsquo;\u00e9volution \u00e0 la <strong>hausse des prix de l&rsquo;immobilier<\/strong>. A la fin de l&rsquo;ann\u00e9e derni\u00e8re, cette hausse a ainsi r\u00e9duit la capacit\u00e9 des m\u00e9nages \u00e0 acheter dans pr\u00e8s de la moiti\u00e9 des 34 villes fran\u00e7aises de plus de 100.000 habitants \u00e9tudi\u00e9es<br \/>\nL&rsquo;augmentation des prix, constat\u00e9e essentiellement dans les grandes m\u00e9tropoles et parfois de fa\u00e7on spectaculaire comme \u00e0 Bordeaux, Paris et Lyon, a donc pes\u00e9 sur le pouvoir d&rsquo;achat des Fran\u00e7ais.<\/div>\n<h2><strong>Taux de cr\u00e9dit inf\u00e9rieur \u00e0 2%<\/strong><\/h2>\n<div>A des niveaux exceptionnellement bas<strong>,&nbsp;<\/strong>toujours aussi favorables aux acqu\u00e9reurs, les taux d&rsquo;int\u00e9r\u00eat moyens ont arr\u00eat\u00e9 de progresser d\u00e8s le deuxi\u00e8me semestre 2017 pour finir par atteindre 1,51% en d\u00e9cembre dernier. Ils retrouvent ainsi <strong>leur niveau de la fin de l&rsquo;hiver dernier<\/strong>, apr\u00e8s \u00eatre rest\u00e9s \u00e0 peu pr\u00e8s stables entre avril et novembre.<\/p>\n<p>Mais la tendance reste clairement au <strong>statu quo pour le moment<\/strong> (taux moyen en janvier 2018 de 1.40% sur 15 ans \u2013 hors assurance, source&nbsp;acecredit.fr).&nbsp;Les taux devraient rester inf\u00e9rieurs \u00e0 2%, voire m\u00eame <strong>ne pas d\u00e9passer 1,65&nbsp;%<\/strong> en fin d&rsquo;ann\u00e9e prochaine, selon les estimations de l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA.<\/p>\n<p>Dans le contexte 2017, tous les m\u00e9nages, m\u00eame modestes, moyennant un emprunt sur des dur\u00e9es tr\u00e8s longues, ont pu jusqu&rsquo;ici r\u00e9aliser leur projet d&rsquo;acquisition, notamment les plus jeunes. Pr\u00e8s de 36&nbsp;% des acc\u00e9dants de moins de 35 ans ont pu en effet b\u00e9n\u00e9ficier d&rsquo;un pr\u00eat de 25 ans et plus alors que cette part n&rsquo;\u00e9tait que de 20&nbsp;% environ au d\u00e9but de 2014.&nbsp;<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Selon l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA qui vient de publier ses derni\u00e8res analyses sur l\u2019\u00e9tat du cr\u00e9dit immobilier en 2017, la demande des particuliers tend \u00e0 s\u2019essouffler.<\/p>\n","protected":false},"author":4,"featured_media":1687,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1686","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 - 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