{"id":1770,"date":"2018-04-24T07:53:47","date_gmt":"2018-04-24T05:53:47","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-quelles-sont-les-tendances-du-printemps-2018_-n.html"},"modified":"2020-07-28T15:31:18","modified_gmt":"2020-07-28T13:31:18","slug":"credit-immobilier-quelles-sont-les-tendances-du-printemps-2018_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-quelles-sont-les-tendances-du-printemps-2018_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : quelles sont les tendances du printemps 2018 ?"},"content":{"rendered":"<p>Affaiblissement de la demande, hausse des prix immobiliers de moins en moins compens\u00e9e par la stabilit\u00e9 des taux pourtant r\u00e9elle, concurrence toujours vive entre les \u00e9tablissements bancaires, ce printemps r\u00e9v\u00e8le une situation contrast\u00e9e et le retour aux pr\u00eats longue dur\u00e9e.<\/p>\n<h2><strong>Une capacit\u00e9 d&rsquo;achat en berne<\/strong><\/h2>\n<div>Selon l&rsquo;Observatoire&nbsp;Cr\u00e9dit Logement\/CSA, l&rsquo;affaiblissement de la demande des m\u00e9nages s&rsquo;explique non seulement par la<strong> hausse des prix <\/strong>de l&rsquo;immobilier mais aussi par la r\u00e9cente <strong>r\u00e9duction des soutiens publics \u00e0 l&rsquo;accession \u00e0 la propri\u00e9t\u00e9<\/strong>.&nbsp;&nbsp;Les conditions d&rsquo;octroi du pr\u00eat \u00e0 taux z\u00e9ro (PTZ)&nbsp;ont \u00e9t\u00e9 resserr\u00e9es sur des zones tendues et la suppression de l&rsquo;aide personnalis\u00e9e au logement (APL) pour l&rsquo;accession \u00e0 la propri\u00e9t\u00e9 dans le neuf est maintenant effective.<\/p>\n<p>Cons\u00e9quence : le pouvoir d&rsquo;achat immobilier (la surface moyenne achetable) des Fran\u00e7ais&nbsp;a baiss\u00e9 quasiment partout dans l&rsquo;Hexagone. C&rsquo;est \u00e0 Bordeaux qu&rsquo;il a recul\u00e9 le plus entre les premiers trimestres 2017 et 2018 : -6,3 m\u00b2. Paris,&nbsp;o\u00f9 le prix avoisine les 9 300 euros le m\u00b2 en moyenne, arrive en quatri\u00e8me position des plus fortes baisses (-2,2 m\u00b2).&nbsp;Si l&rsquo;on englobe l&rsquo;ensemble des villes de plus de 100.000 habitants (24 villes suppl\u00e9mentaires), pour 62% d&rsquo;entre elles, le pouvoir d&rsquo;achat immobilier s&rsquo;est r\u00e9duit (53% des villes) ou est rest\u00e9 stable (9%).<\/p><\/div>\n<h2><strong>Des taux toujours tr\u00e8s bas<\/strong><\/h2>\n<p>En mars, les taux des cr\u00e9dits immobiliers se sont ainsi \u00e9tablis \u00e0<strong> 1,49&nbsp;% en moyenne<\/strong> (hors assurance et co\u00fbt des s\u00fbret\u00e9s). Ce niveau, certes&nbsp;l\u00e9g\u00e8rement sup\u00e9rieur \u00e0 celui enregistr\u00e9 en f\u00e9vrier (1,47%)&nbsp;reste tr\u00e8s contenu. Le co\u00fbt moyen des cr\u00e9dits reste m\u00eame inf\u00e9rieur \u00e0 celui enregistr\u00e9 en fin d&rsquo;ann\u00e9e derni\u00e8re (1,51%). Cette situation s&rsquo;explique notamment par&nbsp;une <strong>concurrence toujours plus forte entre les banques<\/strong> qui ont des objectifs \u00e9lev\u00e9s \u00e0 r\u00e9aliser, et par l&rsquo;abondance de liquidit\u00e9s et les conditions de refinancement des banques. Celles-ci restent tr\u00e8s bonnes malgr\u00e9 le&nbsp;repli progressif des politiques de soutien \u00e0 l&rsquo;\u00e9conomie des banques centrales.<\/p>\n<h2><strong>Net rallongement de la dur\u00e9e des cr\u00e9dits<\/strong><\/h2>\n<div>Pour permettre aux m\u00e9nages de r\u00e9aliser leur projet immobilier<strong>,<\/strong>&nbsp;les banques continuent par ailleurs d&rsquo;<strong>allonger la dur\u00e9e des cr\u00e9dits immobiliers<\/strong>. En mars 2018, la dur\u00e9e des pr\u00eats s&rsquo;est \u00e9tablie \u00e0 221 mois, en moyenne (242 mois pour l&rsquo;accession dans le neuf et 236 mois pour l&rsquo;accession dans l&rsquo;ancien).&nbsp;Ainsi depuis le d\u00e9but de 2014, les dur\u00e9es des pr\u00eats bancaires se sont accrues de 15 mois (de 5 mois au cours de l&rsquo;ann\u00e9e 2017 et de 2 mois depuis le d\u00e9but de 2018).<\/p>\n<p>Les conditions de cr\u00e9dit actuelles facilitent donc la r\u00e9alisation des projets immobiliers des m\u00e9nages, en d\u00e9pit de la hausse des prix de l&rsquo;immobilier constat\u00e9e depuis 2015.&nbsp;<em>\u00ab&nbsp;L&rsquo;allongement que l&rsquo;on observe est quand m\u00eame tout \u00e0 fait <strong>spectaculaire&nbsp;<\/strong>\u00bb,<\/em>&nbsp;insiste l&rsquo;\u00e9conomiste Michel Mouillart, en charge de l&rsquo;Observatoire.&nbsp;Ainsi au premier trimestre 2018, pr\u00e8s de 42% des moins de 35 ans ont b\u00e9n\u00e9fici\u00e9 d&rsquo;un pr\u00eat de 25 ans et plus, contre environ 35% il y a un an et 21% il y a encore quatre ans.&nbsp;<em>\u00ab&nbsp;Lorsque les soutiens publics sont d\u00e9faillants, lorsque la hausse des prix a \u00e9rod\u00e9 la solvabilit\u00e9 de la demande, il n&rsquo;y a pas beaucoup de possibilit\u00e9s de maintenir la client\u00e8le dans le march\u00e9 si ce n&rsquo;est d&rsquo;accro\u00eetre les dur\u00e9es&nbsp;\u00bb,&nbsp;<\/em>d\u00e9clare&nbsp;Michel Mouillart.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Affaiblissement de la demande, hausse des prix immobiliers de moins en moins compens\u00e9e par la stabilit\u00e9 des taux pourtant r\u00e9elle, concurrence toujours vive entre les \u00e9tablissements bancaires, ce printemps r\u00e9v\u00e8le une situation contrast\u00e9e et le retour aux pr\u00eats longue dur\u00e9e.<\/p>\n","protected":false},"author":4,"featured_media":1771,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1770","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 tendances du cr\u00e9dit immo au printemps 2018<\/title>\n<meta name=\"description\" content=\"Taux d&#039;int\u00e9r\u00eats des cr\u00e9dits immobiliers : ce printemps r\u00e9v\u00e8le une situation contrast\u00e9e et le retour aux pr\u00eats longue dur\u00e9e.\" \/>\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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