{"id":2058,"date":"2019-02-28T17:58:14","date_gmt":"2019-02-28T16:58:14","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobiliers-l-obligation-de-domicilier-ses-revenus-remise-en-question_-n.html"},"modified":"2020-07-28T15:30:40","modified_gmt":"2020-07-28T13:30:40","slug":"pret-immobiliers-l-obligation-de-domicilier-ses-revenus-remise-en-question_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobiliers-l-obligation-de-domicilier-ses-revenus-remise-en-question_-n.html","title":{"rendered":"Pr\u00eat immobiliers : l\u2019obligation de domicilier ses revenus remise en question ?"},"content":{"rendered":"<p>Depuis 2018, les banques&nbsp;peuvent&nbsp;imposer aux emprunteurs de domicilier leurs revenus chez elles&nbsp;durant 10 ans lors de l&rsquo;octroi d&rsquo;un pr\u00eat immobilier. Un rapport du Comit\u00e9 consultatif du secteur financier<\/a> (CCSF) tire un <strong>premier bilan apr\u00e8s une ann\u00e9e de mise en oeuvre<\/strong> et recommande de r\u00e9duire la dur\u00e9e de domiciliation \u00e0 5 ans.<\/p>\n<h2>La fin de la domiciliation obligatoire des revenus\u2026<\/h2>\n<div>Le ministre de l&rsquo;\u00c9conomie et des Finances, Bruno Le Maire, a confi\u00e9 &nbsp;en novembre dernier \u00e0 Corinne Dromer, Pr\u00e9sidente du CCSF, le soin d&rsquo;\u00e9tablir un point d&rsquo;\u00e9tape de la mise en oeuvre de la clause de domiciliation des revenus pr\u00e9vue par l&rsquo;ordonnance 2017 relative aux offres de pr\u00eat immobilier. Entr\u00e9e en vigueur le 1er janvier 2018, cette ordonnance permet aux \u00e9tablissements pr\u00eateurs de conditionner l&rsquo;offre de pr\u00eat \u00e0 <strong>une obligation de domiciliation des revenus<\/strong> sur un compte ouvert aupr\u00e8s du pr\u00eateur <strong>durant un maximum de 10 ans<\/strong>, en offrant <strong>en contrepartie un avantage individualis\u00e9<\/strong>.<\/p>\n<p>La pr\u00e9sidente du CCSF a conclu son rapport par une alternative : la <strong>suppression de la domiciliation <\/strong>des revenus ou la <strong>r\u00e9duction de la dur\u00e9e<\/strong>, car sa g\u00e9n\u00e9ralisation constituerait un \u00ab\u00a0<i>frein \u00e0 la mobilit\u00e9 bancaire<\/i>\u00ab\u00a0. \u00ab\u00a0I<i>l y a, \u00e0 terme, un risque de g\u00e9n\u00e9ralisation de la clause de domiciliation des revenus dans les r\u00e9seaux bancaires<\/i>\u00ab\u00a0, a-t-elle pr\u00e9venu. Elle propose donc de \u00ab\u00a0<i>revenir \u00e0 la situation ant\u00e9rieure par une abrogation de l&rsquo;ordonnance<\/i>\u00ab\u00a0. La g\u00e9n\u00e9ralisation de l&rsquo;exigence de domiciliation des revenus \u00ab\u00a0<i>constituerait un frein \u00e0 la mobilit\u00e9 bancaire pour une cat\u00e9gorie de clients<\/i>\u00ab\u00a0, souligne-t-elle, arguant notamment que \u00ab\u00a0<i>l&#8217;emprunteur n&rsquo;aura pas d&rsquo;autre choix sauf \u00e0 accepter un taux plus \u00e9lev\u00e9<\/i>\u00ab\u00a0.<\/div>\n<h2>\u2026 ou une dur\u00e9e r\u00e9duite \u00e0 5 ans ?<\/h2>\n<div>Autre probl\u00e8me soulev\u00e9 par le rapport : le <strong>manque de transparence en mati\u00e8re d&rsquo;avantages accord\u00e9s<\/strong> aux clients sur les pr\u00eats bancaires. \u00ab\u00a0<i>Dans la mesure o\u00f9 les r\u00e9seaux bancaires qui appliquent l&rsquo;ordonnance indiquent que l&rsquo;avantage porte sur le taux du pr\u00eat, l&rsquo;avantage individualis\u00e9 ne peut \u00eatre objectiv\u00e9, ce taux \u00e9tant issu d&rsquo;une politique des prix propre \u00e0 l&rsquo;\u00e9tablissement qui ne peut \u00eatre rendue publique<\/i>\u00ab\u00a0, est-il expliqu\u00e9.<\/p>\n<p>Dans le cas o\u00f9 la suppression de l&rsquo;ordonnance s&rsquo;av\u00e9rerait&nbsp;\u00ab\u00a0<i>impossible, \u00e0 court ou moyen terme<\/i>\u00ab\u00a0, la pr\u00e9sidente du CCSF propose la <strong>r\u00e9duction de la dur\u00e9e de la domiciliation de 10 ans \u00e0 5 ans.<\/strong> Cette r\u00e9duction \u00ab\u00a0<em>p<\/em>e<i>rmettrait d&rsquo;assurer plus t\u00f4t une <strong>mobilit\u00e9 bancaire<\/strong> \u00e0 l&rsquo;ensemble des emprunteurs, quel que soit l&rsquo;\u00e9tablissement pr\u00eateur, quels que soient leurs profils ou leurs conditions de pr\u00eats immobiliers<\/i>\u00ab\u00a0. Ces propositions \u00ab\u00a0<i>n&rsquo;ont pas fait l&rsquo;objet d&rsquo;un consensus du CCSF<\/i>\u00a0\u00bb dans le cadre d&rsquo;un groupe de travail, indique le document, pr\u00e9cisant qu&rsquo;elles n&rsquo;engageaient que la pr\u00e9sidente du comit\u00e9.&nbsp;<i>\u00ab\u00a0La domiciliation est (&#8230;) un atout commun entre la banque et son client pour assurer la r\u00e9ussite de son projet par un meilleur suivi et une meilleure anticipation en cas de probl\u00e8me<\/i>\u00ab\u00a0, a comment\u00e9 pour sa part la F\u00e9d\u00e9ration Bancaire Fran\u00e7aise (FBF) dans un communiqu\u00e9.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Depuis 2018, les banques\u00a0peuvent\u00a0imposer aux emprunteurs de domicilier leurs revenus chez elles\u00a0durant 10 ans lors de l\u2019octroi d&rsquo;un pr\u00eat immobilier. Un rapport du Comit\u00e9 consultatif du secteur financier (CCSF) tire un premier bilan apr\u00e8s une ann\u00e9e de mise en \u0153uvre et recommande de r\u00e9duire la dur\u00e9e de domiciliation \u00e0 5 ans.<\/p>\n","protected":false},"author":4,"featured_media":2059,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2058","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>Vers la suppression ou une r\u00e9duction de l&#039;obligation de domiciliation de revenus pour un cr\u00e9dit immo<\/title>\n<meta name=\"description\" content=\"Les banques\u00a0peuvent\u00a0imposer aux emprunteurs de domicilier leurs revenus durant 10 ans lors d&#039;un pr\u00eat immobilier. 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