{"id":1986,"date":"2018-12-06T22:23:15","date_gmt":"2018-12-06T21:23:15","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-inflation-toujours-superieure-au-taux-d-interet-immobilier_-n.html"},"modified":"2020-07-28T15:30:41","modified_gmt":"2020-07-28T13:30:41","slug":"l-inflation-toujours-superieure-au-taux-d-interet-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-inflation-toujours-superieure-au-taux-d-interet-immobilier_-n.html","title":{"rendered":"L\u2019inflation, toujours sup\u00e9rieure au taux d\u2019int\u00e9r\u00eat immobilier"},"content":{"rendered":"<div>Toutes dur\u00e9es confondues, dans le neuf comme dans l&rsquo;ancien, les taux des pr\u00eats habitation ont atteint <strong>1,44%<\/strong> (hors assurance) en novembre, une petite progression apr\u00e8s plusieurs mois de stagnation, note la derni\u00e8re \u00e9dition de l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA.<\/p>\n<p>Le mois dernier, cette moyenne \u00e9tait de 1,43% toutes dur\u00e9es confondues (1,22% sur 15 ans, 1,40 sur 20 ans et 1,63% sur 25 ans). \u00abLes taux des cr\u00e9dits immobiliers qui \u00e9taient stables depuis juin dernier se rel\u00e8vent donc, l\u00e9g\u00e8rement encore\u00bb, r\u00e9sume l&rsquo;observatoire. Une hausse certes tr\u00e8s l\u00e9g\u00e8re d&rsquo;un mois sur l&rsquo;autre mais qui intervient pour la premi\u00e8re fois depuis plusieurs mois. Apr\u00e8s \u00eatre redescendus en d\u00e9but d&rsquo;ann\u00e9e, les taux \u00e9taient en effet <strong>stables depuis juin<\/strong>.<\/div>\n<h2>S&rsquo;enrichir en empruntant ?<\/h2>\n<p>Cependant, pour nuancer et remettre en perspective ces chiffres, l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA pr\u00e9cise tout de m\u00eame qu&rsquo;avec \u00ab\u00a0<em>une inflation \u00e0 1,9% en novembre, les taux d&rsquo;int\u00e9r\u00eat r\u00e9els restent n\u00e9gatifs depuis 6 mois, confirmant une situation in\u00e9dite depuis 1974<\/em>\u00ab\u00a0. La <strong>hausse des prix<\/strong> a, en fait, un peu ralenti en France en novembre \u00e0 1,9%, mais, apr\u00e8s une franche acc\u00e9l\u00e9ration cet \u00e9t\u00e9, elle reste nettement <strong>sup\u00e9rieure <\/strong>au niveau moyen du <strong>taux<\/strong> des cr\u00e9dits immobiliers. Th\u00e9oriquement, cela revient \u00e0 dire qu&rsquo;il est possible de gagner du pouvoir d&rsquo;achat en s&rsquo;endettant pour un achat immobilier. N\u00e9anmoins, les chiffres de l&rsquo;observatoire s&rsquo;entendent bruts et ne comprennent par exemple pas l&rsquo;assurance des pr\u00eats, syst\u00e9matiquement demand\u00e9e par l&rsquo;organisme cr\u00e9ancier.<\/p>\n<h2>Des dur\u00e9es d&#8217;emprunt (trop) longues<\/h2>\n<p>Dans le d\u00e9tail, les taux moyens se sont \u00e9tablis le mois dernier \u00e0 1,50% pour l&rsquo;accession dans le neuf et 1,46% dans l&rsquo;ancien : dans les deux cas, des progressions par rapport \u00e0 octobre. L&rsquo;Observatoire Cr\u00e9dit Logement\/CSA porte une attention toute particuli\u00e8re sur la <strong>dur\u00e9e moyenne<\/strong> des cr\u00e9dits immobiliers, qui a repris sa progression apr\u00e8s une pause bienvenue le mois pr\u00e9c\u00e9dent. Elle atteint d\u00e9sormais&nbsp;<strong>227 mois<\/strong> en novembre (soit 18,9 ans), contre 225 mois en octobre.\u00ab <em>Depuis le d\u00e9but de 2014, les dur\u00e9es des pr\u00eats bancaires ont augment\u00e9 de 20 mois : soit de 5 mois au cours de l&rsquo;ann\u00e9e 2017 et m\u00eame de <strong>8 mois depuis le d\u00e9but 2018<\/strong>.&nbsp;<\/em>\u00bb. Pour m\u00e9moire, d\u00e9but 2014, la dur\u00e9e des pr\u00eats \u00e9tait de 205,1 mois, soit 17,1 ans.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Toutes dur\u00e9es confondues, dans le neuf comme dans l&rsquo;ancien, les taux des pr\u00eats habitation ont atteint 1,44% (hors assurance) en novembre, une petite progression apr\u00e8s plusieurs mois de stagnation, note la derni\u00e8re \u00e9dition de l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA.<\/p>\n","protected":false},"author":4,"featured_media":1987,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1986","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>Taux 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