{"id":1870,"date":"2018-07-21T08:25:41","date_gmt":"2018-07-21T06:25:41","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-bas-de-l-ete-vont-le-rester-jusqu-a-la-rentree_-n.html"},"modified":"2020-07-28T15:30:44","modified_gmt":"2020-07-28T13:30:44","slug":"les-taux-bas-de-l-ete-vont-le-rester-jusqu-a-la-rentree_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-bas-de-l-ete-vont-le-rester-jusqu-a-la-rentree_-n.html","title":{"rendered":"Les taux bas de l’\u00e9t\u00e9 vont le rester jusqu\u2019\u00e0 la rentr\u00e9e"},"content":{"rendered":"
La derni\u00e8re note de conjoncture immobili\u00e8re du Cr\u00e9dit Agricole confirme le sc\u00e9nario consensuel d’un atterrissage en douceur du march\u00e9 r\u00e9sidentiel fran\u00e7ais cette ann\u00e9e et ne pr\u00e9voit aucune surchauffe<\/strong> pour les taux cet \u00e9t\u00e9.<\/p>\n

Le march\u00e9 du logement ancien a connu en 2017 un record historique en termes de volume de ventes qui s’est accompagn\u00e9 d’une hausse progressive des prix de vente tout au long de l’ann\u00e9e. Dans l’ancien, le nombre de transactions a atteint 968 000 ventes, soit +15% sur un an et record absolu en niveau. Deux raisons principales expliquaient cette forte activit\u00e9 : des taux de pr\u00eat habitat tr\u00e8s bas<\/strong> et des dispositifs publics de soutien au logement neuf <\/strong>comme le PTZ (pr\u00eat \u00e0 taux z\u00e9ro), renforc\u00e9 en 2016, tr\u00e8s utilis\u00e9 par les primo-acc\u00e9dants et les m\u00e9nages modestes et le Pinel pour l’investissement locatif, qui accorde une r\u00e9duction fiscale, \u00e9tal\u00e9e sur six, neuf ou douze ans.<\/p>\n

Le march\u00e9 immobilier reste encore tr\u00e8s dynamique en 2018, avec un nombre \u00e9lev\u00e9 d’acheteurs<\/strong> qui se d\u00e9cident vite et de vendeurs. N\u00e9anmoins, on ne peut pas parler de surchauffe pour autant. D’apr\u00e8s les analyses des notaires, la vitesse de rotation du parc de logements est un peu inf\u00e9rieure \u00e0 celle du boom des ann\u00e9es 2000. Et la dur\u00e9e de d\u00e9tention des logements s’accro\u00eet r\u00e9guli\u00e8rement, 10 ans environ en 2017, contre 7 ans en 2006.<\/div>\n

Un march\u00e9 l\u00e9g\u00e8rement moins dynamique<\/strong><\/h2>\n

Les premiers mois de l’ann\u00e9e 2018 montrent m\u00eame des signes de tassement malgr\u00e9 l’am\u00e9lioration du contexte \u00e9conomique : l\u00e9ger recul du cumul annuel de ventes dans l’ancien<\/strong>, repli des ventes de maisons individuelles dans le neuf, l\u00e9ger freinage de l’encours de cr\u00e9dit immobilier, +5,8% en f\u00e9vrier apr\u00e8s +6,2% en d\u00e9cembre, baisse de 9,5% sur un an en janvier-f\u00e9vrier de la production de pr\u00eats (hors rachats et ren\u00e9gociations). L’arr\u00eat de l’APL accession et le recentrage du PTZ<\/strong> sur des zones tendues exclusivement, avec des montants de pr\u00eats moins \u00e9lev\u00e9s ont indiscutablement jou\u00e9 en d\u00e9faveur des jeunes acqu\u00e9reurs.<\/p>\n

Aucune hausse significative pr\u00e9vue pour les taux<\/strong><\/h2>\n
Avec la hausse des taux OAT 10 ans (indicateur de r\u00e9f\u00e9rence pour les conditions des cr\u00e9dits immobiliers), les taux de cr\u00e9dit qui sont extr\u00eamement bas (1,20% sur 15 ans et 1,35% sur 20 ans hors assurance, source acecredit.fr) commencent \u00e0 remonter, mais tr\u00e8s graduellement.<\/strong> Les sp\u00e9cialistes du financement estiment m\u00eame que cette hausse ne serait pas r\u00e9percut\u00e9e <\/strong>enti\u00e8rement sur les taux accord\u00e9s, en raison de la forte concurrence entre les banques et du retard pris par certains \u00e9tablissements dans leurs objectifs commerciaux.<\/p>\n

Ils pr\u00e9voient ainsi des taux inf\u00e9rieurs \u00e0 2% jusqu’\u00e0 la fin de l’ann\u00e9e<\/strong>, m\u00eame pour des dur\u00e9es longues. Ce qui est donc une bonne nouvelle pour les emprunteurs Ces taux vont permettent aux acqu\u00e9reurs potentiels de financer leur achat et d’absorber en partie la hausse des prix de vente qui r\u00e9sulte d’une forte demande pour une offre peu abondante.<\/div>\n","protected":false},"excerpt":{"rendered":"

La derni\u00e8re note de conjoncture immobili\u00e8re du Cr\u00e9dit Agricole confirme le sc\u00e9nario consensuel d\u2019un atterrissage en douceur du march\u00e9 r\u00e9sidentiel fran\u00e7ais cette ann\u00e9e et ne pr\u00e9voit aucune surchauffe pour les taux cet \u00e9t\u00e9.<\/p>\n","protected":false},"author":4,"featured_media":1871,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nPas de hausse des taux cet \u00e9t\u00e9<\/title>\n<meta name=\"description\" content=\"Atterrissage en douceur du march\u00e9 r\u00e9sidentiel fran\u00e7ais cette ann\u00e9e et aucune surchauffe en vue pour les taux cet \u00e9t\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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