{"id":1948,"date":"2018-10-24T23:15:55","date_gmt":"2018-10-24T21:15:55","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/pas-de-remontee-des-taux-prevue-d-ici-fin-2018_-n.html"},"modified":"2020-07-28T15:30:42","modified_gmt":"2020-07-28T13:30:42","slug":"pas-de-remontee-des-taux-prevue-d-ici-fin-2018_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/pas-de-remontee-des-taux-prevue-d-ici-fin-2018_-n.html","title":{"rendered":"Pas de remont\u00e9e des taux pr\u00e9vue d\u2019ici fin 2018"},"content":{"rendered":"

Selon une \u00e9tude publi\u00e9e r\u00e9cemment par la Banque Centrale Europ\u00e9enne, les conditions de cr\u00e9dit ont continu\u00e9 \u00e0 s’am\u00e9liorer lors du troisi\u00e8me trimestre en zone euro, alors qu’approche la fin du programme de soutien \u00e0 l’\u00e9conomie. La m\u00eame \u00e9tude pr\u00e9cise que l’am\u00e9lioration a touch\u00e9 les pr\u00eats accord\u00e9s aux entreprises et pour les projets immobiliers, tandis que les conditions sont rest\u00e9es identiques pour les pr\u00eats \u00e0 la consommation et autres pr\u00eats aux m\u00e9nages.<\/p>\n

Faciliter l’acc\u00e8s au cr\u00e9dit immobilier<\/strong><\/h2>\n
Toujours selon cette \u00e9tude, bas\u00e9e sur un sondage r\u00e9alis\u00e9 dans la seconde quinzaine de septembre aupr\u00e8s de 147 \u00e9tablissements de la zone euro, les banques s’attendent \u00e0 maintenir<\/strong> en l’\u00e9tat les r\u00e8gles d’octroi de cr\u00e9dit aux entreprises lors du quatri\u00e8me trimestre de 2018, et \u00e0 les assouplir dans les pr\u00eats immobiliers et \u00e0 la consommation. Les conditions d’emprunt devraient donc toujours \u00eatre favorables aux futurs acqu\u00e9reurs jusqu’\u00e0 la fin de l’ann\u00e9e<\/strong> puisque les banques continueront de se financer \u00e0 des taux avantageux aupr\u00e8s de la BCE. La demande de pr\u00eats a d’ailleurs continu\u00e9 \u00e0 augmenter \u00ab\u00a0dans tous les secteurs<\/em>\u00a0\u00bb de juillet \u00e0 septembre, ajoute la BCE.<\/p>\n

Autre \u00e9l\u00e9ment de l’\u00e9tude, les crit\u00e8res \u00ab\u00a0maison\u00a0\u00bb utilis\u00e9s par les banques pour mesurer la solvabilit\u00e9 des clients priv\u00e9s se sont assouplis<\/strong> en ce qui concerne les entreprises et les pr\u00eats immobiliers<\/strong>, tandis qu’ils sont rest\u00e9s inchang\u00e9s pour les pr\u00eats \u00e0 la consommation et d’autres pr\u00eats aux m\u00e9nages.<\/p>\n

Certains clients devraient en profiter plus que d’autres, tels que les jeunes primo-acc\u00e9dants<\/strong> ou les profils \u00abhaut de gamme<\/strong>\u00bb, identifi\u00e9s cibles prioritaires des r\u00e9seaux bancaires. Ainsi, avec un apport sup\u00e9rieur \u00e0 20% du montant du bien immobilier ou en acceptant la domiciliation de ses revenus, il est possible de b\u00e9n\u00e9ficier d’importantes d\u00e9cotes.<\/div>\n

Certains profils plus recherch\u00e9s<\/strong><\/h2>\n

Ce constat de la BCE est n\u00e9anmoins en d\u00e9calage avec les mises en garde r\u00e9guli\u00e8res du Haut Conseil de Stabilit\u00e9 Financi\u00e8re contre les risques de d\u00e9gradation des marges des banques<\/strong>. L’autorit\u00e9 financi\u00e8re se demande s’il n’est pas trop risqu\u00e9 pour les particuliers de s’endetter autant et pour les banques d’assouplir autant leurs conditions d’octroi. \u00ab \u00c0 ce stade, le niveau des risques reste contenu mais n\u00e9cessite de maintenir une vigilance renforc\u00e9e sur l’\u00e9volution des conditions d’octroi de cr\u00e9dit, dans un contexte o\u00f9 les pratiques commerciales des \u00e9tablissements peuvent en faire un produit d’appel.<\/em> \u00bb, explique le HCSF dans sa note du 11 septembre dernier.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Selon une \u00e9tude publi\u00e9e r\u00e9cemment par la Banque Centrale Europ\u00e9enne, les conditions de cr\u00e9dit ont continu\u00e9 \u00e0 s’am\u00e9liorer lors du troisi\u00e8me trimestre en zone euro, alors qu’approche la fin du programme de soutien \u00e0 l’\u00e9conomie. La m\u00eame \u00e9tude pr\u00e9cise que l’am\u00e9lioration a touch\u00e9 les pr\u00eats accord\u00e9s aux entreprises et pour les projets immobiliers, tandis que les conditions sont rest\u00e9es identiques pour les pr\u00eats \u00e0 la consommation et autres pr\u00eats aux m\u00e9nages.<\/p>\n","protected":false},"author":4,"featured_media":1949,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1948","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nLes taux restent bas jusqu\u2019\u00e0 fin 2018<\/title>\n<meta name=\"description\" content=\"Selon une \u00e9tude publi\u00e9e r\u00e9cemment par la Banque Centrale Europ\u00e9enne, les conditions de cr\u00e9dit ont continu\u00e9 \u00e0 s'am\u00e9liorer lors du troisi\u00e8me trimestre en zone euro.\" \/>\n<meta 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