{"id":1890,"date":"2018-08-03T22:48:47","date_gmt":"2018-08-03T20:48:47","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/des-prets-a-taux-bas-mais-plus-longs_-n.html"},"modified":"2020-07-28T15:30:43","modified_gmt":"2020-07-28T13:30:43","slug":"des-prets-a-taux-bas-mais-plus-longs_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/des-prets-a-taux-bas-mais-plus-longs_-n.html","title":{"rendered":"Des pr\u00eats \u00e0 taux bas mais plus longs"},"content":{"rendered":"

Aucune hausse estivale constat\u00e9e pour le cr\u00e9dit immobilier, bien au contraire ! Les conditions de financement restent exceptionnelles <\/strong>et les liquidit\u00e9s disponibles dans l’\u00e9conomie sont (sur)abondantes et bon march\u00e9.<\/p>\n

Pour preuve : tout au long du 2\u00e8me trimestre, les taux ont continu\u00e9 \u00e0 faire du surplace avec une moyenne de 1.45 % (hors assurance), 1.44 % pour le seul mois de juin<\/strong> et d\u00e9j\u00e0 1.42 % \u00e0 mi-juillet. Compte tenu de la reprise de l’inflation depuis d\u00e9but 2017, les taux d’int\u00e9r\u00eat r\u00e9els n’ont jamais \u00e9t\u00e9 aussi bas depuis le premier choc p\u00e9trolier en 1973, selon les derni\u00e8res donn\u00e9es publi\u00e9es par l’Observatoire Cr\u00e9dit Logement\/CSA<\/a>.<\/p>\n

Soutenir la demande\u2026<\/strong><\/h2>\n

En plus de la concurrence toujours aussi vive<\/strong> entre des \u00e9tablissements de cr\u00e9dit, concurrence qui influe directement sur les taux propos\u00e9s : la plupart des banques ont en effet am\u00e9lior\u00e9 les conditions des pr\u00eats <\/strong>qu’elles proposent aux m\u00e9nages modestes pour faire face \u00e0 une demande qui s’est affaiblie au cours de l’\u00e9t\u00e9 2017 (la hausse des prix de l’immobilier est pass\u00e9e par l\u00e0) et afin de limiter l’impact de la d\u00e9gradation des soutiens publics \u00e0 la primo accession \u00e0 la propri\u00e9t\u00e9 (recentrage du PTZ, suppression de l’APL).<\/p>\n

\u2026en augmentant la dur\u00e9e du pr\u00eat<\/strong><\/h2>\n

En cons\u00e9quence de quoi, la dur\u00e9e des pr\u00eats tend \u00e0 s’allonger. Au 2\u00e8me trimestre 2018, la dur\u00e9e des pr\u00eats accord\u00e9s \u00e9tait de 221 mois en moyenne, 222 mois en juin<\/strong> (soit 18.5 ans). Ce niveau \u00e9quivaut \u00e0 un allongement de la dur\u00e9e des pr\u00eats de quatre mois<\/strong> depuis le d\u00e9but de l’ann\u00e9e. Depuis 2014, les dur\u00e9es des pr\u00eats bancaires se sont ainsi accrues de 17 mois (+ 5 mois sur la seule ann\u00e9e 2017 et + 4 mois depuis le d\u00e9but de l’ann\u00e9e 2018). D’apr\u00e8s l’Observatoire Cr\u00e9dit Logement\/CSA, en juin 2018, la part des pr\u00eats de dur\u00e9e \u00e0 25 ans et plus s’\u00e9l\u00e8ve \u00e0 38.2 %, celle des pr\u00eats \u00e0 20 ans et plus \u00e0 67.9 %. Autrement dit, plus de 2\/3 des cr\u00e9dits accord\u00e9s actuellement se termineront apr\u00e8s 2038<\/strong>.<\/p>\n

En parall\u00e8le, le niveau de l’apport <\/strong>exig\u00e9 par les banques pour accorder un pr\u00eat est en forte baisse<\/strong>, quand il ne dispara\u00eet pas purement et simplement. Les banques financent ainsi la totalit\u00e9 du prix d’achat du logement. Elles peuvent m\u00eame prendre en charge une partie des frais (de notaire ou la caution de logement) – c’est ce que les sp\u00e9cialistes appellent une op\u00e9ration de \u00absurfinancement\u00bb. Principaux b\u00e9n\u00e9ficiaires : les primo-acc\u00e9dants de moins de 35 ans<\/strong> avec des hauts niveaux de revenus<\/strong> – sup\u00e9rieurs \u00e0 6000 euros par mois \u00e0 deux – faisant l’acquisition d’une r\u00e9sidence principale.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Aucune hausse estivale constat\u00e9e pour le cr\u00e9dit immobilier, bien au contraire\u00a0!\u00a0Les conditions de financement restent\u00a0exceptionnelles\u00a0et\u00a0les liquidit\u00e9s disponibles dans l\u2019\u00e9conomie sont (sur)abondantes et bon march\u00e9.<\/p>\n","protected":false},"author":4,"featured_media":1891,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nTaux bas mais des emprunts plus longs<\/title>\n<meta name=\"description\" content=\"Aucune hausse estivale constat\u00e9e pour le cr\u00e9dit immobilier, bien au contraire\u00a0!\u00a0Les conditions de financement restent\u00a0exceptionnelles\u00a0et\u00a0les liquidit\u00e9s disponibles dans l\u2019\u00e9conomie sont (sur)abondantes et 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