{"id":2038,"date":"2019-02-07T19:15:53","date_gmt":"2019-02-07T18:15:53","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/en-2019-le-maintien-des-taux-faibles-se-confirme_-n.html"},"modified":"2020-07-28T15:30:40","modified_gmt":"2020-07-28T13:30:40","slug":"en-2019-le-maintien-des-taux-faibles-se-confirme_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/en-2019-le-maintien-des-taux-faibles-se-confirme_-n.html","title":{"rendered":"En 2019, le maintien des taux faibles se confirme"},"content":{"rendered":"<div>Apr\u00e8s une ann\u00e9e 2018 exceptionnelle, les taux des cr\u00e9dits immobiliers restent tr\u00e8s attractifs pour ce premier trimestre 2019, gr\u00e2ce au<strong> statu quo des taux de la Banque Centrale Europ\u00e9enne<\/strong> (BCE).<\/p>\n<p>Alors que le mois d&rsquo;octobre 2018 avait \u00e9t\u00e9 celui de l&rsquo;apoth\u00e9ose en mati\u00e8re de pr\u00eat immobilier, avec des taux pouvant atteindre 1,20 % sur 20 ans (hors assurance), les conditions d&#8217;emprunt restent tr\u00e8s <strong>attractives <\/strong>en ce d\u00e9but d&rsquo;ann\u00e9e 2019. Ainsi, le mois de f\u00e9vrier d\u00e9marre avec peu de variations par rapport au mois pr\u00e9c\u00e9dent, qui avait d\u00e9j\u00e0 vu les taux moyens se stabiliser. Il ne faut pas s&rsquo;attendre \u00e0 une remont\u00e9e des taux de cr\u00e9dit en 2019, les banques sont encore loin de \u00ab fermer \u00bb le robinet du cr\u00e9dit pour toutes les cat\u00e9gories d&#8217;emprunteurs : primo-acc\u00e9dants, secundo-acc\u00e9dants ou investisseurs.<\/div>\n<h2>La BCE confirme son soutien<\/h2>\n<p>La Banque centrale europ\u00e9enne n&rsquo;a pas relev\u00e9 ses taux directeurs et Mario Draghi, pr\u00e9sident de cette institution, a fait comprendre que le contexte \u00e9conomique n&rsquo;\u00e9tait pas propice \u00e0 une remont\u00e9e \u00e0 court terme. Dans le m\u00eame temps, <strong>les taux d&#8217;emprunt d&rsquo;Etat \u00e0 10 ans<\/strong>, les indicateurs de r\u00e9f\u00e9rence pour les taux des cr\u00e9dits immobiliers, sont revenus \u00e0 <strong>leur plus bas niveau depuis juillet 2018<\/strong> \u00e0 moins de 0,6 % fin janvier, contre 0,80 % fin 2018 et 0,90 % il y a un an. La plupart des sc\u00e9narios pr\u00e9voient un taux pour l&rsquo;OAT \u00e0 10 ans compris entre 0.9 % (Banque de France) et 1.1 % (\u00e9tablissements bancaires) pour 2019, avec un taux de refinancement de la BCE maintenu \u00e0 0 % jusqu&rsquo;en septembre, puis \u00e0 0.25 % sur le reste de l&rsquo;ann\u00e9e. Ce niveau in\u00e9dit depuis le lancement de l&rsquo;OAT en 1996 permet aux banques d<strong>&lsquo;obtenir d&rsquo;excellentes conditions de refinancement<\/strong> et de proposer des offres de pr\u00eats avantageuses \u00e0 leurs futurs emprunteurs, clients ou prospects.<\/p>\n<h2>L\u00e9g\u00e8re hausse possible en fin d&rsquo;ann\u00e9e<\/h2>\n<div>Les taux des cr\u00e9dits immobiliers ne devraient donc remonter que mod\u00e9r\u00e9ment en 2019, moins de 20 points de base : de l&rsquo;ordre de 1.65 % en moyenne annuelle, contre 1.45 % en 2018.&nbsp; La <strong>mise en concurrence<\/strong> des \u00e9tablissements bancaires (qui ont des objectifs de cr\u00e9dit immobilier pour 2019 \u00e9quivalents \u00e0 ceux de 2018) et des prestataires d&rsquo;assurance emprunteur va \u00e9galement jouer en faveur des acqu\u00e9reurs.<\/p>\n<p>Et malgr\u00e9 tout, si les taux devaient remonter, le<strong>s taux d&rsquo;usure seront un garde-fou<\/strong>. Le taux de l&rsquo;usure correspond au taux maximum l\u00e9gal que les \u00e9tablissements de cr\u00e9dit sont autoris\u00e9s \u00e0 pratiquer lorsqu&rsquo;ils accordent un cr\u00e9dit. Il est fix\u00e9 \u00e0 la fin de chaque trimestre pour le trimestre suivant par la Banque de France et vise&nbsp;\u00e0 prot\u00e9ger l&#8217;emprunteur d&rsquo;\u00e9ventuels abus. La baisse actuelle de ces derniers (3,01% par exemple sur 20 ans et plus) est donc une protection pour les emprunteurs car elle contraindra les banques \u00e0 maintenir les taux bas et \u00e0 adapter en cons\u00e9quence les frais et taux d&rsquo;assurance, si elles veulent maintenir le cap de la conqu\u00eate commerciale.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Apr\u00e8s une ann\u00e9e 2018 exceptionnelle, les taux des cr\u00e9dits immobiliers restent tr\u00e8s attractifs pour ce premier trimestre 2019, gr\u00e2ce au statu quo des taux de la Banque Centrale Europ\u00e9enne (BCE).<\/p>\n","protected":false},"author":4,"featured_media":2039,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2038","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This 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