{"id":1784,"date":"2018-05-10T15:32:03","date_gmt":"2018-05-10T13:32:03","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-maison-individuelle-en-petite-forme_-n.html"},"modified":"2020-07-28T15:31:17","modified_gmt":"2020-07-28T13:31:17","slug":"la-maison-individuelle-en-petite-forme_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-maison-individuelle-en-petite-forme_-n.html","title":{"rendered":"La maison individuelle en petite forme"},"content":{"rendered":"

De janvier \u00e0 mars, les ventes ont recul\u00e9 de 17% par rapport au premier trimestre 2017, selon l’indicateur Markem\u00e9tron publi\u00e9 par Caron Marketing et les Constructeurs et am\u00e9nageurs de la F\u00e9d\u00e9ration fran\u00e7aise du B\u00e2timent (LCA-FFB) et relay\u00e9 par le site LaVieImmo.com.<\/p>\n

La construction en baisse<\/strong><\/h2>\n
La situation est confirm\u00e9e par les chiffres du minist\u00e8re de la Coh\u00e9sion des territoires qui constate un recul des mises en chantier de logements neufs de 3,4% de janvier \u00e0 mars en France (en donn\u00e9es brutes), compar\u00e9 aux trois m\u00eames mois de 2017. Les permis de construire pour un logement individuel accusent une baisse de 9.1%.<\/p>\n

Les professionnels y voient un d\u00e9but de tendance lourde<\/strong> qui p\u00e9nalise les m\u00e9nages modestes, ceux qui investissaient principalement dans les zones dites \u00ab rurales \u00bb B2 et C, terres d’\u00e9lection de la maison individuelle neuve et d\u00e9sormais exclues du dispositif PTZ. D’ordinaire favorable aux d\u00e9cisions d’achat de maisons individuelles, le deuxi\u00e8me trimestre \u00ab\u00a0constituera un test d\u00e9cisif\u00a0\u00bb estime LCA-FFB.<\/div>\n

Des taux d’int\u00e9r\u00eats plus qu’attractifs<\/strong><\/h2>\n
Et pourtant, en avril, les taux des cr\u00e9dits immobiliers ont une nouvelle fois diminu\u00e9<\/strong> – d’un tout petit point de base (soit 0,01 %) – pour s’\u00e9tablir \u00e0 1,47 % en moyenne (toutes dur\u00e9es confondues et hors assurance et co\u00fbt des s\u00fbret\u00e9s) selon l’Observatoire Cr\u00e9dit Logement\/CSA<\/a>. Un bon dossier pourrait obtenir actuellement un taux de 1.40% pour 15 ans ou 1.55% pour 20 ans (hors assurance \u2013source acecredit.fr). En parall\u00e8le, les banques accordent \u00e9galement beaucoup plus facilement des pr\u00eats longue dur\u00e9e. L’objectif pour elles \u00e9tant de pouvoir r\u00e9pondre favorablement \u00e0 des demandes de pr\u00eats<\/strong> de m\u00e9nages qui n’auraient sans doute pas pu supporter le poids de mensualit\u00e9s plus \u00e9lev\u00e9es pour un pr\u00eat accord\u00e9 sur dix ou quinze ans, par exemple.<\/p>\n

La concurrence est toujours en effet tr\u00e8s forte entre les \u00e9tablissements bancaires, car ils cherchent \u00e0 maintenir le nombre total de clients qu’ils servent et ont, dans le m\u00eame temps, besoin d’attirer de nouveaux clients. Ces derniers vont ainsi b\u00e9n\u00e9ficier d’une politique de pr\u00eats avantageuse, \u00ab rendue possible par des conditions de financement et de refinancement de la production de cr\u00e9dits toujours excellentes. Elle b\u00e9n\u00e9ficie aussi de liquidit\u00e9s disponibles dans l’\u00e9conomie (sur) abondantes et bon march\u00e9<\/em> \u00bb, d\u00e9taille l’Observatoire.<\/div>\n","protected":false},"excerpt":{"rendered":"

De janvier \u00e0 mars, les ventes ont recul\u00e9 de 17% par rapport au premier trimestre 2017, selon l’indicateur Markem\u00e9tron publi\u00e9 par Caron Marketing et les Constructeurs et am\u00e9nageurs de la F\u00e9d\u00e9ration fran\u00e7aise du B\u00e2timent (LCA-FFB) et relay\u00e9 par le site LaVieImmo.com.<\/p>\n","protected":false},"author":4,"featured_media":1785,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1784","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nLa construction de maison individuelle en baisse<\/title>\n<meta name=\"description\" content=\"De janvier \u00e0 mars, les ventes ont recul\u00e9 de 17% par rapport au premier trimestre 2017, selon l'indicateur de la F\u00e9d\u00e9ration fran\u00e7aise du B\u00e2timent (LCA-FFB) relay\u00e9 par 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