{"id":2024,"date":"2019-01-25T09:26:02","date_gmt":"2019-01-25T08:26:02","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/des-taux-bas-en-petite-baisse-mais-des-durees-d-emprunt-de-plus-en-plus-longues_-n.html"},"modified":"2020-07-28T15:30:40","modified_gmt":"2020-07-28T13:30:40","slug":"des-taux-bas-en-petite-baisse-mais-des-durees-d-emprunt-de-plus-en-plus-longues_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/des-taux-bas-en-petite-baisse-mais-des-durees-d-emprunt-de-plus-en-plus-longues_-n.html","title":{"rendered":"Des taux bas en (petite) baisse mais des dur\u00e9es d\u2019emprunt de plus en plus longues"},"content":{"rendered":"<div>En d\u00e9cembre 2018, les taux d&rsquo;int\u00e9r\u00eats des cr\u00e9dits immobiliers se sont \u00e9tablis \u00e0 1,43%, selon les derniers chiffres de l&rsquo;observatoire Cr\u00e9dit Logement\/CSA. Il faut presque 19 ans en moyenne pour rembourser son pr\u00eat.<\/p>\n<p>Durant l&rsquo;ann\u00e9e 2018, les taux de cr\u00e9dit immobilier n&rsquo;auront pas finalement pas rebondi, contrairement ce qu&rsquo;avaient anticip\u00e9 (un peu vite, semble-t-il) certains experts. Mieux, les <strong>taux <\/strong>ont m\u00eame <strong>l\u00e9g\u00e8rement recul\u00e9<\/strong>. En effet, les banques fran\u00e7aises ont abaiss\u00e9 en d\u00e9cembre les taux d&rsquo;int\u00e9r\u00eats des cr\u00e9dits immobiliers aux particuliers.<\/p>\n<p>\u00ab\u00a0<i>En d\u00e9cembre 2018, les taux se sont \u00e9tablis \u00e0 1,43%, \u00e0 un niveau pratiquement inchang\u00e9 depuis six mois<\/i>\u00ab\u00a0, souligne l&rsquo;observatoire Cr\u00e9dit Logement\/CSA dans sa derni\u00e8re \u00e9tude trimestrielle. De juillet \u00e0 octobre, les taux moyens \u00e9taient de 1,43%, avant de remonter tr\u00e8s l\u00e9g\u00e8rement \u00e0 <strong>1,44% en novembre<\/strong>. Ce chiffre, qui s&rsquo;entend toutes dur\u00e9es de pr\u00eats confondues, ach\u00e8ve ainsi l&rsquo;ann\u00e9e en l\u00e9g\u00e8re baisse : il s&rsquo;\u00e9tait \u00e9tabli \u00e0 1,50% voici un an, et non loin de son plancher historique de 2016, \u00e0 gu\u00e8re plus de 1,30%.<\/div>\n<h2>Une situation in\u00e9dite<\/h2>\n<p>Depuis la deuxi\u00e8me moiti\u00e9 de l&rsquo;ann\u00e9e derni\u00e8re, le taux moyen s&rsquo;\u00e9tablit <strong>en-dessous de l&rsquo;inflation<\/strong> qui a, elle, acc\u00e9l\u00e9r\u00e9 en 2018 pour s&rsquo;\u00e9tablir \u00e0 1,8%. 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. \u00ab\u00a0<i>Cette situation est rendue possible par les conditions de financement et de refinancement de la production<\/i>\u00ab\u00a0, alors que la Banque centrale europ\u00e9enne m\u00e8ne depuis plusieurs ann\u00e9es une <strong>politique interventionniste tr\u00e8s favorable au cr\u00e9dit<\/strong>, \u00ab\u00a0<i>ainsi que par une concurrence toujours vive entre les \u00e9tablissements de cr\u00e9dit<\/i>\u00ab\u00a0, r\u00e9sume l&rsquo;observatoire.<\/p>\n<h2>Une dur\u00e9e d&#8217;emprunt tr\u00e8s \u00e9lev\u00e9e<\/h2>\n<div>Si les taux semblent atteindre un plancher, les banques jouent sur <strong>d&rsquo;autres variables<\/strong> pour continuer de financer les emprunteurs, alors que les prix de l&rsquo;immobilier continuent \u00e0 monter en France. Selon les chiffres de l&rsquo;Observatoire, <strong>la dur\u00e9e moyenne des pr\u00eats s&rsquo;est allong\u00e9e de dix mois<\/strong> cette ann\u00e9e pour finir \u00e0 <strong>226 mois<\/strong> (soit 18,8 ans), un niveau sans pr\u00e9c\u00e9dent, qui \u00ab\u00a0<i>n&rsquo;avait jamais \u00e9t\u00e9 aussi \u00e9lev\u00e9<\/i>\u00ab\u00a0, apr\u00e8s avoir pourtant connu une augmentation de 5 mois en 2017 suivi d&rsquo;une autre de 10 mois en 2018.<\/p>\n<p>Les banques ont aussi all\u00e9g\u00e9 leurs exigences en ce qui concerne <strong>l&rsquo;apport personnel<\/strong>. \u00ab\u00a0<i>Les conditions d&rsquo;octroi des cr\u00e9dits se sont consid\u00e9rablement assouplies avec des taux d&rsquo;apport qui n&rsquo;ont jamais \u00e9t\u00e9 aussi bas depuis 1978<\/i>\u00ab\u00a0, un mouvement qui dure depuis 2012 et s&rsquo;est acc\u00e9l\u00e9r\u00e9 \u00e0 partir de 2017, constate l&rsquo;observatoire.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>En d\u00e9cembre 2018, les taux d&rsquo;int\u00e9r\u00eats des cr\u00e9dits immobiliers se sont \u00e9tablis \u00e0 1,43%, selon les derniers chiffres de l&rsquo;observatoire Cr\u00e9dit Logement\/CSA. Il faut presque 19 ans en moyenne pour rembourser son pr\u00eat.<\/p>\n","protected":false},"author":4,"featured_media":2025,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2024","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>Des taux bas mais un remboursement plus long<\/title>\n<meta name=\"description\" content=\"En 2018, les taux des cr\u00e9dits immobiliers se sont \u00e9tablis \u00e0 1,43 % en moyenne. Il faut presque 19 ans pour rembourser son pr\u00eat.\" \/>\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\/des-taux-bas-en-petite-baisse-mais-des-durees-d-emprunt-de-plus-en-plus-longues_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Des taux bas mais un remboursement plus long\" \/>\n<meta property=\"og:description\" content=\"En 2018, les taux des cr\u00e9dits immobiliers se sont \u00e9tablis \u00e0 1,43 % en moyenne. Il faut presque 19 ans pour rembourser son pr\u00eat.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/des-taux-bas-en-petite-baisse-mais-des-durees-d-emprunt-de-plus-en-plus-longues_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-25T08:26:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:30:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/finance-635805-6402.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\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Martin\" 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