{"id":2036,"date":"2019-02-07T01:33:27","date_gmt":"2019-02-07T00:33:27","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-credit-a-l-habitat-tourne-a-plein-regime_-n.html"},"modified":"2020-07-28T15:30:40","modified_gmt":"2020-07-28T13:30:40","slug":"le-credit-a-l-habitat-tourne-a-plein-regime_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-credit-a-l-habitat-tourne-a-plein-regime_-n.html","title":{"rendered":"Le cr\u00e9dit \u00e0 l\u2019habitat tourne \u00e0 plein r\u00e9gime"},"content":{"rendered":"
La production de nouveaux cr\u00e9dits \u00e0 l’habitat a atteint 203 milliards d’euros<\/strong> l’an dernier, loin du record de 2017 (273 milliards d’euros). En terme de montants accord\u00e9s pour des pr\u00eats \u00e0 l’habitat, \u00e9galement d\u00e9nomm\u00e9s production de cr\u00e9dits immobiliers, le mill\u00e9sime 2018 aura \u00e9t\u00e9 exceptionnel <\/strong>pour les banques.<\/p>\n

L’an dernier, la production de nouveaux cr\u00e9dits immobiliers pour les particuliers a donc atteint 203 milliards d’euros, selon les donn\u00e9es publi\u00e9es par la Banque de France<\/a>. Sur un an, les cr\u00e9dits \u00e0 l’habitat continuent de progresser vivement \u00e0 5,8%<\/strong>, alors que, paradoxalement, le nombre de pr\u00eats bancaires accord\u00e9s est en recul de -3.8% par rapport \u00e0 2017.<\/div>\n

Un march\u00e9 tonique<\/h2>\n
La production de cr\u00e9dits a ainsi franchi la barre des 200 milliards d’euros  pour la quatri\u00e8me ann\u00e9e cons\u00e9cutive<\/strong>. Au cours des ann\u00e9es pr\u00e9c\u00e9dentes, la production annuelle de cr\u00e9dit ne d\u00e9passait pas les 150 milliards d’euros (source Les Echos). Ce dynamisme provient en grande partie par la faiblesse historique des taux<\/strong> d’int\u00e9r\u00eat : maintenus au plancher par la politique de soutien \u00e0 l’\u00e9conomie de la Banque centrale europ\u00e9enne (BCE), ils ont baiss\u00e9 en un an, pour atteindre 1,49 % fin de 2018, selon la Banque de France. Ils ont perdu 12 points de base par rapport \u00e0 d\u00e9cembre 2017 (1,61 %) et sont \u00e0 leur niveau le plus bas depuis pr\u00e8s de 16 ans.<\/p>\n

Mais la remise en cause des soutiens publics<\/strong> (accession \u00e0 la propri\u00e9t\u00e9 et investissement locatif priv\u00e9) et surtout la hausse continue des prix<\/strong> de vente en immobilier r\u00e9sidentiel qui, m\u00e9caniquement, augmente le montant des cr\u00e9dits n\u00e9cessaires, ont \u00e9galement contribu\u00e9 \u00e0 g\u00e9n\u00e9rer ce tr\u00e8s fort niveau de production l’ann\u00e9e derni\u00e8re.<\/div>\n

Conditions d’octroi des pr\u00eats tr\u00e8s assouplies<\/h2>\n

Tout au long de l’ann\u00e9e 2018, les \u00e9tablissements de cr\u00e9dit ont ainsi largement soutenu le march\u00e9 des cr\u00e9dits immobiliers : les taux sont rest\u00e9s bas et la dur\u00e9e en moyenne des pr\u00eats<\/strong> accord\u00e9s n’a jamais \u00e9t\u00e9 aussi \u00e9lev\u00e9e. Selon les chiffres de l’observatoire Cr\u00e9dit Logement<\/a>, elle a atteint 216 mois<\/strong> en moyenne en d\u00e9cembre, soit + 10 mois en un an seulement. Plus de 38% des pr\u00eats<\/strong> \u00e0 l’accession ont une dur\u00e9e de 25 ans<\/strong> ou plus. Cette part des pr\u00eats \u00e0 25 ans et plus atteint m\u00eame 48.9 % pour les emprunteurs de -35 ans. Toujours plus,  les banques ont amplifi\u00e9 leur strat\u00e9gie d’accompagnement des jeunes en primo accession notamment, en r\u00e9duisant aussi leurs exigences en apport personnel<\/strong>.<\/p>\n

Les rachats de cr\u00e9dit en nette diminution<\/h2>\n

Et pourtant, les banques ont cependant octroy\u00e9 sensiblement moins de pr\u00eats en 2018 qu’en 2017 (273 milliards d’euros, record historique). \u00ab Ce repli s’explique par la forte diminution des flux de rachats et de ren\u00e9gociations<\/em> \u00bb, estime la Banque de France (35 milliards d’euros en 2018 apr\u00e8s 113 milliards en 2017). La part des ren\u00e9gociations<\/strong> au sein de l’ensemble de la production de cr\u00e9dits \u00e0 l’habitat a fondu \u00e0 14,6 %<\/strong> en d\u00e9cembre 2018. Ces derni\u00e8res ann\u00e9es, face \u00e0 la baisse des taux, les m\u00e9nages endett\u00e9s avaient \u00e9t\u00e9 tr\u00e8s nombreux \u00e0 n\u00e9gocier des conditions d’emprunt plus avantageuses. Au d\u00e9but de 2017, les ren\u00e9gociations avaient m\u00eame atteint plus de 60 % des nouveaux cr\u00e9dits \u00e0 l’habitat.<\/p>\n","protected":false},"excerpt":{"rendered":"

La production de nouveaux cr\u00e9dits \u00e0 l’habitat a atteint 203 milliards d’euros l’an dernier, loin du record de 2017 (273 milliards d’euros). En terme de montants accord\u00e9s pour des pr\u00eats \u00e0 l\u2019habitat, \u00e9galement d\u00e9nomm\u00e9s production de cr\u00e9dits immobiliers, le mill\u00e9sime 2018 aura \u00e9t\u00e9 exceptionnel pour les banques.<\/p>\n","protected":false},"author":4,"featured_media":2037,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2036","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nLe cr\u00e9dit immobilier reste dynamique<\/title>\n<meta name=\"description\" content=\"Les cr\u00e9dits immobiliers ont atteint 203 milliards d'euros en 2018, loin du record de 2017 (273 milliards d'euros) mais exceptionnel quand m\u00eame.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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