{"id":1862,"date":"2018-07-14T19:05:58","date_gmt":"2018-07-14T17:05:58","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/bientot-1000-milliards-d-euros-de-credit-immobilier-en-france_-n.html"},"modified":"2020-07-28T15:30:44","modified_gmt":"2020-07-28T13:30:44","slug":"bientot-1000-milliards-d-euros-de-credit-immobilier-en-france_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/bientot-1000-milliards-d-euros-de-credit-immobilier-en-france_-n.html","title":{"rendered":"Bient\u00f4t 1000 milliards d&rsquo;euros de cr\u00e9dit immobilier en France !"},"content":{"rendered":"<div>Home, sweet home \u2026 la pierre comme valeur refuge, plus que jamais en France&nbsp;! En 2017, l&rsquo;Insee recensait <strong>57,7% de propri\u00e9taires en France<\/strong>. Selon les r\u00e9centes statistiques de la Banque de France<\/a>, l&rsquo;encours des cr\u00e9dits immobilier a encore progress\u00e9 cette ann\u00e9e \u00e0 un rythme \u00e9lev\u00e9 (+5,7%).<\/p>\n<p>L&rsquo;ensemble des cr\u00e9dits accord\u00e9s aux Fran\u00e7ais atteint ainsi la somme astronomique de 971&nbsp;milliards d&rsquo;euros \u00e0 fin mai, dont quelques 16,1&nbsp;milliards d&rsquo;euros pour le seul mois de mai. Cette situation jamais vue laisse penser qu&rsquo;en suivant ce rythme de progression, la barre des<strong> 1000 milliards d&rsquo;euros <\/strong>pourrait donc \u00eatre franchie d&rsquo;ici le d\u00e9but de l&rsquo;ann\u00e9e prochaine.<\/div>\n<h2><strong>8 Fran\u00e7ais sur 10 s&rsquo;endettent pour acheter<\/strong><\/h2>\n<p>Depuis janvier 2000, l&rsquo;encours des pr\u00eats immobiliers a \u00e9t\u00e9 <strong>multipli\u00e9 par 2,8<\/strong> en passant de 256 \u00e0 971 milliards d&rsquo;euros. Ce chiffre est&nbsp;d&rsquo;autant plus important que ces encours correspondent r\u00e9ellement \u00e0 des achats de logements et ne sont pas (plus) des rachats ou des ren\u00e9gociations, \u00e0 l&rsquo;instar de ce qui se passait dans les ann\u00e9es 2016 et 2017, o\u00f9 ils avaient repr\u00e9sent\u00e9 jusqu&rsquo;\u00e0 60&nbsp;% de la production de cr\u00e9dit immobilier. Actuellement, la part des cr\u00e9dits ren\u00e9goci\u00e9s est ramen\u00e9e \u00e0 un tr\u00e8s raisonnable 19% pour la production de mai.<\/p>\n<h2><strong>Des conditions d&#8217;emprunt attractives<\/strong><\/h2>\n<div>Cette app\u00e9tence fran\u00e7aise pour le cr\u00e9dit immobilier s&rsquo;explique ais\u00e9ment par la forte hausse des prix immobiliers dans l&rsquo;ancien (multipli\u00e9s par 2,4 depuis 2000) qui n\u00e9cessite de recourir dans la quasi-totalit\u00e9 des transactions \u00e0 un<strong> financement bancaire<\/strong>. Pour financer l&rsquo;achat de leur r\u00e9sidence principale, <strong>les Fran\u00e7ais d\u00e9pensent donc plus et, de fait, s&rsquo;endettent plus<\/strong>. Et plus longtemps&nbsp;! De 2004 \u00e0 2018, la dur\u00e9e moyenne des nouveaux cr\u00e9dits immobiliers octroy\u00e9s aux particuliers est ainsi pass\u00e9e de 15,4 \u00e0 19,6 ann\u00e9es d&rsquo;apr\u00e8s la Banque de France.<\/p>\n<p>Ils ont \u00e9galement pu profiter de<strong> conditions d&rsquo;octroi de pr\u00eat incroyablement avantageuses<\/strong> puisqu&rsquo;ils sont tomb\u00e9s, gr\u00e2ce \u00e0 la politique de soutien \u00e0 l&rsquo;\u00e9conomie mise en place par la BCE, de 5.6% en 2000 \u00e0 1,46% en mai dernier, selon l&rsquo;observatoire CSA &#8211; Cr\u00e9dit Logement. Ce niveau historiquement bas des taux est aussi aliment\u00e9 par le jeu de la concurrence entre r\u00e9seaux bancaires,&nbsp;pour qui le cr\u00e9dit immobilier est le produit d&rsquo;appel majeur, malgr\u00e9 des marges faibles.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019ensemble des cr\u00e9dits accord\u00e9s aux Fran\u00e7ais atteint la somme astronomique de 971\u00a0milliards d&rsquo;euros \u00e0 fin mai, dont quelques 16,1\u00a0milliards d&rsquo;euros pour le seul mois de mai. Cette situation jamais vue laisse penser qu\u2019en suivant ce rythme de progression, la barre des 1000 milliards d&rsquo;euros pourrait donc \u00eatre franchie d&rsquo;ici le d\u00e9but de l&rsquo;ann\u00e9e prochaine.<\/p>\n","protected":false},"author":4,"featured_media":1863,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1862","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>Bient\u00f4t 1000 milliards d&#039;euros de cr\u00e9dit immobilier en France !<\/title>\n<meta name=\"description\" content=\"L\u2019ensemble des cr\u00e9dits accord\u00e9s aux Fran\u00e7ais atteint 971\u00a0milliards d&#039;euros \u00e0 fin mai. Cette situation in\u00e9dite laisse penser que la barre des 1000 milliards d&#039;euros sera franchie d&#039;ici peu.\" \/>\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\/bientot-1000-milliards-d-euros-de-credit-immobilier-en-france_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bient\u00f4t 1000 milliards d&#039;euros de cr\u00e9dit immobilier en France !\" \/>\n<meta property=\"og:description\" content=\"L\u2019ensemble des cr\u00e9dits accord\u00e9s aux Fran\u00e7ais atteint 971\u00a0milliards d&#039;euros \u00e0 fin mai. 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