{"id":1808,"date":"2018-06-06T23:31:28","date_gmt":"2018-06-06T21:31:28","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-immobiliers-beau-fixe-et-calme-plat_-n.html"},"modified":"2020-07-28T15:30:45","modified_gmt":"2020-07-28T13:30:45","slug":"taux-immobiliers-beau-fixe-et-calme-plat_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-immobiliers-beau-fixe-et-calme-plat_-n.html","title":{"rendered":"Taux immobiliers : beau fixe et calme plat"},"content":{"rendered":"<div>Toujours tir\u00e9s vers le bas gr\u00e2ce \u00e0 la politique de soutien men\u00e9e par la BCE et \u00e0 la concurrence tr\u00e8s vive entre les banques, les taux des cr\u00e9dits ne se sont pas envol\u00e9s contrairement aux temp\u00e9ratures estivales qui s&rsquo;installent.<\/p>\n<p>Bien au contraire, avec <strong>une moyenne de 1.46 %<\/strong> (hors assurance) en mai, ils restent toujours tr\u00e8s stables et \u00e0 des niveaux tr\u00e8s faibles, selon les chiffres publi\u00e9s par l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA, qui fait r\u00e9f\u00e9rence sur le march\u00e9. Un effort a m\u00eame \u00e9t\u00e9 fait vers les m\u00e9nages les plus modestes. Les acteurs du pr\u00eat immobilier n&rsquo;anticipent <strong>aucune hausse avant l&rsquo;\u00e9t\u00e9<\/strong>, certains parient m\u00eame sur une tendance \u00e0 la baisse.<\/div>\n<h2><strong>La guerre des banques a bien lieu.<\/strong><\/h2>\n<p>L&rsquo;explication est simple&nbsp;: la BCE continue de soutenir le cr\u00e9dit dans la zone euro et le rendement de l&rsquo;OAT 10&nbsp;ans (indice de r\u00e9f\u00e9rence pour d\u00e9terminer les taux d&rsquo;int\u00e9r\u00eats des cr\u00e9dits immobiliers) se maintient \u00e0 des niveaux tr\u00e8s bas, autour de 0,70&nbsp;%. Les banques vont donc toujours se refinancer \u00e0 des conditions tr\u00e8s favorables en ce qui les concerne. Elles sont donc plus volontiers susceptibles de <strong>faire des gestes commerciaux<\/strong> pour recruter les profils les plus int\u00e9ressants pour elles&nbsp;: les jeunes actifs de moins de 35 ans, avec un peu d&rsquo;\u00e9pargne ou <strong>parfois m\u00eame sans apport<\/strong>. Et ce d&rsquo;autant plus que le premier trimestre n&rsquo;a pas \u00e9t\u00e9 \u00e0 la hauteur de leurs attentes en termes d&rsquo;objectifs commerciaux.<\/p>\n<h2><strong>Allongement de la dur\u00e9e du pr\u00eat<\/strong><\/h2>\n<div>Subissant \u00e0 la fois une hausse des prix dans les grandes m\u00e9tropoles et la diminution de certaines aides publiques pour l&rsquo;acc\u00e8s \u00e0 la propri\u00e9t\u00e9, les futurs jeunes acqu\u00e9reurs ont&nbsp; tendance \u00e0 \u00eatre plus frileux et doivent faire des compromis pour <strong>ajuster leur budget<\/strong>. Pour leur faciliter l&rsquo;acc\u00e8s au cr\u00e9dit, les banques continuent d&rsquo;<strong>allonger la dur\u00e9e de leurs cr\u00e9dits<\/strong>. En mai, la dur\u00e9e moyenne des pr\u00eats accord\u00e9s \u00e9tait proche de <strong>19 ans<\/strong> (224 mois), en hausse de 6 mois depuis le d\u00e9but de l&rsquo;ann\u00e9e 2018.<\/p>\n<p>Malgr\u00e9 cela, l&rsquo;activit\u00e9 du march\u00e9 de l&rsquo;immobilier reste cependant \u00ab&nbsp;\u00e0 la peine&nbsp;\u00bb, selon l&rsquo;Observatoire. Il ne peut compter sur la manne des op\u00e9rations de rachats de cr\u00e9dit qui avaient explos\u00e9 \u00e0 la faveur de la baisse des taux et avait tir\u00e9 la production de nouveaux cr\u00e9dits \u00e0 des niveaux records. Selon les statistiques de la Banque de France, la part de ren\u00e9gociations et rachats dans l&rsquo;ensemble des cr\u00e9dits immobiliers a consid\u00e9rablement chut\u00e9. Inf\u00e9rieure \u00e0 20% en avril dernier, elle \u00e9tait de l&rsquo;ordre de 50&nbsp;% il y a encore un an.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Toujours tir\u00e9s vers le bas gr\u00e2ce \u00e0 la politique de soutien men\u00e9e par la BCE et \u00e0 la concurrence tr\u00e8s vive entre les banques, les taux des cr\u00e9dits ne se sont pas envol\u00e9s. Avec une moyenne de 1.46 % (hors assurance) en mai, ils restent toujours tr\u00e8s stables et \u00e0 des niveaux tr\u00e8s faibles, selon les chiffres publi\u00e9s par l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA.<\/p>\n","protected":false},"author":4,"featured_media":1809,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1808","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>Taux immobiliers : beau fixe et calme plat - Ace Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-immobiliers-beau-fixe-et-calme-plat_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Taux immobiliers : beau fixe et calme plat - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Toujours tir\u00e9s vers le bas gr\u00e2ce \u00e0 la politique de soutien men\u00e9e par la BCE et \u00e0 la concurrence tr\u00e8s vive entre les banques, les taux des cr\u00e9dits ne se sont pas envol\u00e9s. Avec une moyenne de 1.46 % (hors assurance) en mai, ils restent toujours tr\u00e8s stables et \u00e0 des niveaux tr\u00e8s faibles, selon les chiffres publi\u00e9s par l&#039;Observatoire Cr\u00e9dit Logement\/CSA.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-immobiliers-beau-fixe-et-calme-plat_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2018-06-06T21:31:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:30:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/money-2724248-6404.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"378\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" 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