{"id":2074,"date":"2019-03-21T10:13:55","date_gmt":"2019-03-21T09:13:55","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-conditions-de-credit-restent-exceptionnelles_-n.html"},"modified":"2020-07-28T15:30:39","modified_gmt":"2020-07-28T13:30:39","slug":"les-conditions-de-credit-restent-exceptionnelles_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-conditions-de-credit-restent-exceptionnelles_-n.html","title":{"rendered":"Les conditions de cr\u00e9dit restent exceptionnelles"},"content":{"rendered":"

Les taux de cr\u00e9dits immobiliers atteignent \u00e0 nouveau des niveaux bas historiques, les dur\u00e9es s’allongent. Et, dans le m\u00eame temps, les conditions d’octroi de pr\u00eat se sont r\u00e9ellement assouplies pour soutenir la demande des m\u00e9nages. Tous les indicateurs sont au vert<\/strong> pour se lancer maintenant.<\/p>\n

P\u00e9riode printani\u00e8re ultra favorable<\/h2>\n
En ce d\u00e9but de printemps, les taux des cr\u00e9dits immobiliers font du surplace et continuent de rester toujours aussi attractifs<\/strong>. L’Observatoire Cr\u00e9dit Logement\/ CSA, qui permet d’analyser chaque ann\u00e9e 40 % des pr\u00eats accord\u00e9s pour le financement des achats immobiliers des m\u00e9nages, a estim\u00e9 pour le mois de f\u00e9vrier, un taux moyen de 1,44 % <\/strong>pour l’ensemble du march\u00e9 (toutes dur\u00e9es confondues et hors assurance), pour 1.45% en janvier. Depuis juin dernier, les taux sont d’ailleurs rest\u00e9s inf\u00e9rieurs \u00e0 l’inflation, dessinant une situation in\u00e9dite depuis 1974.<\/p>\n

Cette situation favorable aux emprunteurs devrait se poursuivre pendant encore plusieurs mois<\/strong>, car la Banque centrale europ\u00e9enne (BCE) n’envisage pas de resserrement mon\u00e9taire avant 2020 et l’OAT 10 ans, l’indice de r\u00e9f\u00e9rence aux cr\u00e9dits immobiliers, reste faible \u00e9galement. D\u00e9but mars, il est pass\u00e9 sous la barre des 0,5% (\u00e0 0,425%), contre 0,71% fin d\u00e9cembre 2018. Il y a encore un an, ce taux avoisinait 0,9%.<\/p>\n

Les dur\u00e9es des cr\u00e9dits accord\u00e9s se sont allong\u00e9es comme jamais par le pass\u00e9, pour s’\u00e9tablir \u00e0 230 mois en moyenne en f\u00e9vrier<\/strong>, au niveau le plus \u00e9lev\u00e9 observ\u00e9 jusqu’alors. Dans sa derni\u00e8re publication, l’Observatoire Cr\u00e9dit Logement-CSA confirme que \u00ab depuis 2013, les dur\u00e9es se sont accrues de 24 mois. Jamais elles n’avaient \u00e9t\u00e9 aussi \u00e9lev\u00e9es<\/i> \u00bb, ajoute-t-il. Les emprunts \u00e0 30 ans ont d’ailleurs fait leur apparition dans les tableaux d’amortissement de nombreux acteurs bancaires.<\/div>\n

Un acc\u00e8s au cr\u00e9dit facilit\u00e9 par les banques<\/h2>\n
Cette am\u00e9lioration g\u00e9n\u00e9rale des conditions de cr\u00e9dit ne compense pourtant pas \u00e0 elle seule la d\u00e9t\u00e9rioration de la solvabilit\u00e9 de la demande provoqu\u00e9e par la hausse des prix de l’immobilier et la d\u00e9gradation des soutiens publics. D\u00e8s le printemps 2018, la plupart des \u00e9tablissements de cr\u00e9dit ont aussi assoupli les conditions d’octroi des pr\u00eats (avec des taux d’apport personnel particuli\u00e8rement bas<\/strong>), afin de servir des client\u00e8les de plus en plus modestes, s’effor\u00e7ant ainsi d’enrayer la chute rapide de leur production de cr\u00e9dits.<\/p>\n

L’Observatoire Cr\u00e9dit Logement\/CSA a constat\u00e9 que le taux d’apport personnel, qui \u00e9tait en moyenne de 20,5% durant les ann\u00e9es 2015-2017 et de 26,2% entre 2005 et 2014, est descendu \u00e0 16,7% en 2018<\/strong> ! Un taux d’apport aussi bas n’avait jamais \u00e9t\u00e9 atteint par le pass\u00e9. Enfin, il faut savoir jouer de la concurrence<\/strong> d\u00e9brid\u00e9e entre les banques. N’ayant pas encore atteint leurs objectifs annuels de distribution de cr\u00e9dits \u00e0 l’habitat, elles pr\u00eatent bien volontiers pour conqu\u00e9rir des clients.<\/div>\n","protected":false},"excerpt":{"rendered":"

Les taux atteignent \u00e0 nouveau des niveaux bas historiques, les dur\u00e9es s\u2019allongent. Et les conditions d\u2019octroi de pr\u00eat se sont assouplies pour soutenir la demande des m\u00e9nages. Tous les indicateurs sont au vert pour se lancer maintenant.<\/p>\n","protected":false},"author":4,"featured_media":2075,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nEn 2019, le contexte est-il id\u00e9al pour emprunter ?<\/title>\n<meta name=\"description\" content=\"Les taux sont \u00e0 des niveaux bas, les dur\u00e9es s\u2019allongent, les conditions d\u2019octroi de pr\u00eat se sont assouplies pour soutenir la demande. 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