{"id":2086,"date":"2019-04-29T11:25:45","date_gmt":"2019-04-29T09:25:45","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-credit-immobilier-au-beau-fixe_-n.html"},"modified":"2020-07-28T15:30:39","modified_gmt":"2020-07-28T13:30:39","slug":"le-credit-immobilier-au-beau-fixe_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-credit-immobilier-au-beau-fixe_-n.html","title":{"rendered":"Le cr\u00e9dit immobilier au beau fixe !"},"content":{"rendered":"<p>Ce printemps, les taux des pr\u00eats immobiliers sont repartis<strong> \u00e0 la baisse \u00e0 1,39 % en moyenne<\/strong> en mars (hors assurance) selon les donn\u00e9es publi\u00e9es mardi par l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA. Les banques pr\u00eatent \u00e0<strong> tr\u00e8s long terme<\/strong> et exigent <strong>tr\u00e8s peu d&rsquo;apport personnel<\/strong>. De quoi ne plus h\u00e9siter \u00e0 acheter quand l&rsquo;occasion se pr\u00e9sente.<br \/>\n&nbsp;<\/p>\n<p>En cette p\u00e9riode printani\u00e8re o\u00f9 les taux sont traditionnellement bas, car les banques savent que la demande de financement est forte, cela paraissait impensable et pourtant \u2026 Les taux d&#8217;emprunts immobiliers, loin de remonter, <strong>continuent de reculer<\/strong> ! Des baisses significatives ont \u00e9t\u00e9 enregistr\u00e9es en mars et en avril. Les moyennes observ\u00e9es \u00e0 ce jour repr\u00e9sentent un nouveau record : 1,39% toutes dur\u00e9es confondues, hors assurance (contre 1,44 % en f\u00e9vrier).<\/p>\n<h2><strong>Toujours plus bas<\/strong><\/h2>\n<p>\u00ab <em>On n&rsquo;avait jamais vu cela<\/em> \u00bb, insiste l&rsquo;\u00e9conomiste Michel Mouillart, en charge de la restitution des donn\u00e9es de l&rsquo;Observatoire. Depuis un an, les taux ont <strong>diminu\u00e9 de 10 points de base<\/strong>. \u00ab <em>L&rsquo;acc\u00e8s aux cr\u00e9dits immobiliers, n&rsquo;a jamais \u00e9t\u00e9 rendu aussi facile par les \u00e9tablissements bancaires<\/em> \u00bb. Les bar\u00e8mes communiqu\u00e9s par les banques deviennent d&rsquo;ailleurs de moins en moins significatifs \u00e9tant donn\u00e9 qu&rsquo;elles appliquent des d\u00e9cotes \u00e0 un large spectre d&#8217;emprunteurs et plus uniquement aux hauts revenus, aux jeunes ou aux acqu\u00e9reurs disposant d&rsquo;un gros apport. Cette situation pourrait perdurer jusqu&rsquo;au <strong>second semestre 2019<\/strong> en raison de la politique accommodante de la Banque centrale europ\u00e9enne (BCE) qui semble se maintenir. Mercredi 10 mars, cette institution a en effet annonc\u00e9 maintenir <strong>ses taux directeurs au plancher<\/strong> et n&rsquo;envisage pas de les relever avant au moins fin 2019.<\/p>\n<h2><strong>Toujours plus long<\/strong><\/h2>\n<p>Les m\u00e9nages peuvent donc&nbsp;<strong>faire coup double<\/strong> : obtenir un taux d&#8217;emprunt tr\u00e8s bas sur des dur\u00e9es de remboursement tr\u00e8s longues. Confront\u00e9es \u00e0 la hausse des prix de l&rsquo;immobilier, les banques n&rsquo;ont jamais pr\u00eat\u00e9 \u00e0 aussi long terme. Au premier trimestre la dur\u00e9e moyenne des pr\u00eats accord\u00e9s&nbsp;\u00e9tait de <strong>19 ans <\/strong>(229 mois). En mars, les pr\u00eats \u00e0 <strong>plus de 25 ans,<\/strong> repr\u00e9sentaient ainsi pr\u00e8s de <strong>42 % de la production<\/strong> globale&nbsp;de cr\u00e9dit immobilier. De quoi permettre aux plus jeunes et aux m\u00e9nages plus modestes d&#8217;emprunter.&nbsp;En gardant en t\u00eate que les charges de remboursement s&rsquo;accroissent avec la dur\u00e9e. Pour bien appr\u00e9hender son projet de financement d&rsquo;acquisition et agir ainsi en toute connaissance de cause, le plus facile est souvent de se faire accompagner par un courtier en cr\u00e9dit immobilier.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce printemps, les taux des pr\u00eats immobiliers sont repartis \u00e0 la baisse \u00e0 1,39 % en moyenne en mars (hors assurance), contre 1,44 % en f\u00e9vrier selon les donn\u00e9es publi\u00e9es mardi par l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA. Les banques pr\u00eatent \u00e0 tr\u00e8s long terme et exigent tr\u00e8s peu d&rsquo;apport personnel. De quoi ne plus h\u00e9siter \u00e0 acheter quand l\u2019occasion se pr\u00e9sente.<\/p>\n","protected":false},"author":4,"featured_media":2087,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2086","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>Beau temps sur le cr\u00e9dit immobilier. Les taux immobiliers \u00e0 la baisse.<\/title>\n<meta name=\"description\" content=\"Les taux immobiliers sont repartis \u00e0 la baisse \u00e0 1,39 % en moyenne en mars. 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