{"id":1902,"date":"2018-09-03T01:43:16","date_gmt":"2018-09-02T23:43:16","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/cet-ete-le-credit-immobilier-est-devenu-moins-cher-que-l-inflation_-n.html"},"modified":"2020-07-28T15:30:43","modified_gmt":"2020-07-28T13:30:43","slug":"cet-ete-le-credit-immobilier-est-devenu-moins-cher-que-l-inflation_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/cet-ete-le-credit-immobilier-est-devenu-moins-cher-que-l-inflation_-n.html","title":{"rendered":"Cet \u00e9t\u00e9, le cr\u00e9dit immobilier est devenu moins cher que l\u2019inflation"},"content":{"rendered":"<p>Du jamais vu&nbsp;! Incroyable mais vrai&nbsp;! Les mots ne semblent pas exag\u00e9r\u00e9s. Cet \u00e9t\u00e9, c&rsquo;est la premi\u00e8re fois que les <strong>taux r\u00e9els sont n\u00e9gatifs<\/strong> pour les emprunts immobiliers. Th\u00e9oriquement, il est donc possible de <strong>gagner de l&rsquo;argent en s&rsquo;endettant<\/strong>. Principale raison&nbsp;:&nbsp;En France, le niveau de l&rsquo;inflation est devenu sup\u00e9rieur au taux moyen auquel empruntent les m\u00e9nages pour acheter un logement.<\/p>\n<h2><strong>Des taux inf\u00e9rieurs \u00e0 l&rsquo;inflation<\/strong><\/h2>\n<div>\u00ab\u00a0<em>Les taux d&rsquo;int\u00e9r\u00eat r\u00e9els n&rsquo;ont jamais \u00e9t\u00e9 aussi bas depuis le 1er choc p\u00e9trolier en 1973<\/em>\u00ab\u00a0, selon l&rsquo;Observatoire Cr\u00e9dit Logement CSA, commentateur de r\u00e9f\u00e9rence du march\u00e9 immobilier. En juillet, l&rsquo;inflation s&rsquo;est \u00e9lev\u00e9e \u00e0 2,30&nbsp;% selon l&rsquo;Insee tandis que le taux moyen toutes dur\u00e9es confondues (hors assurance) des emprunts immobiliers s&rsquo;est \u00e9tabli \u00e0 1,43&nbsp;% selon le barom\u00e8tre Cr\u00e9dit Logement\/CSA, soit un taux r\u00e9el th\u00e9orique de -0,87&nbsp;%. CQFD. Par un m\u00e9canisme d&rsquo;\u00e9rosion mon\u00e9taire, la <strong>valeur r\u00e9elle des mensualit\u00e9s<\/strong> rembours\u00e9es chaque mois \u00e0 la banque <strong>diminue<\/strong>. Bien \u00e9videmment, pour b\u00e9n\u00e9ficier r\u00e9ellement de cette situation, il faut que ce m\u00e9canisme puisse durer un certain nombre d&rsquo;ann\u00e9es.<\/p>\n<p>Deux facteurs se combinent pour expliquer ce basculement historique. D&rsquo;un c\u00f4t\u00e9, comme le confirment les chiffres Cr\u00e9dit Logement CSA, les<strong> taux continuent toujours de reculer<\/strong> en juillet en raison de la politique de soutien \u00e0 l&rsquo;\u00e9conomie men\u00e9e par la BCE (Banque centrale europ\u00e9enne) et de la concurrence commerciale entre les banques. Dans le d\u00e9tail, les Fran\u00e7ais empruntent en moyenne (hors assurance du pr\u00eat) \u00e0 1,49% pour l&rsquo;accession dans le neuf et \u00e0 1,45% dans l&rsquo;ancien. Plus globalement, les taux d&rsquo;int\u00e9r\u00eat sont en moyenne de 1,23% sur 15 ans, 1,42% sur 20 ans ou encore 1,66% sur 25 ans.<\/div>\n<h2><strong>Durant un temps suffisamment long<\/strong><\/h2>\n<div>A ces conditions de pr\u00eats tr\u00e8s avantageuses s&rsquo;ajoute le <strong>retour progressif de l&rsquo;inflation<\/strong>. L&rsquo;indice des prix \u00e0 la consommation harmonis\u00e9 (IPCH) a ainsi progress\u00e9 de 2,6% entre juillet 2017 et juillet 2018. Le contexte est donc particuli\u00e8rement favorable aux emprunteurs.<\/p>\n<p>Mais attention&nbsp;: les donn\u00e9es sur l&rsquo;inflation sont susceptibles de grandement varier sur la dur\u00e9e d&rsquo;un pr\u00eat immobilier qui s&rsquo;inscrit dans du long terme (18 ans en moyenne). Et il faudra composer avec les tendances des prix de vente. Car, comme le souligne l&rsquo;Observatoire Cr\u00e9dit Logement CSA, \u00ab\u00a0<em>les \u00e9volutions des taux ne sont plus suffisantes pour att\u00e9nuer l&rsquo;impact de la hausse des prix de l&rsquo;immobilier sur la solvabilit\u00e9 de la demande<\/em>\u00ab\u00a0.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Du jamais vu\u00a0! Incroyable mais vrai\u00a0! Les mots ne semblent pas exag\u00e9r\u00e9s. Cet \u00e9t\u00e9, c&rsquo;est la premi\u00e8re fois que les taux r\u00e9els sont n\u00e9gatifs pour les emprunts immobiliers. Th\u00e9oriquement, il est donc possible de gagner de l\u2019argent en s\u2019endettant. Principale raison\u00a0:\u00a0En France, le niveau de l&rsquo;inflation est devenu sup\u00e9rieur au taux moyen auquel empruntent les m\u00e9nages pour acheter un logement.<\/p>\n","protected":false},"author":4,"featured_media":1903,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1902","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>Les taux de cr\u00e9dits immo moins forts que l&#039;inflation<\/title>\n<meta name=\"description\" content=\"Cet \u00e9t\u00e9, les taux r\u00e9els sont devenus n\u00e9gatifs pour les emprunts immobiliers. En effet, en France, le niveau de l&#039;inflation est devenu sup\u00e9rieur au taux moyen des emprunts pour acheter un logement.\" \/>\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\/cet-ete-le-credit-immobilier-est-devenu-moins-cher-que-l-inflation_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les taux de cr\u00e9dits immo moins forts que l&#039;inflation\" \/>\n<meta property=\"og:description\" content=\"Cet \u00e9t\u00e9, les taux r\u00e9els sont devenus n\u00e9gatifs pour les emprunts immobiliers. En effet, en France, le niveau de l&#039;inflation est devenu sup\u00e9rieur au taux moyen des emprunts pour acheter un logement.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/cet-ete-le-credit-immobilier-est-devenu-moins-cher-que-l-inflation_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2018-09-02T23:43:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:30:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/money-2991837-640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"426\" \/>\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\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" 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