{"id":2096,"date":"2019-05-10T15:59:22","date_gmt":"2019-05-10T13:59:22","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-des-taux-aussi-bas-qu-en-2016_-n.html"},"modified":"2020-07-28T15:30:39","modified_gmt":"2020-07-28T13:30:39","slug":"credit-immobilier-des-taux-aussi-bas-qu-en-2016_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-des-taux-aussi-bas-qu-en-2016_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : des taux aussi bas qu\u2019en 2016 !"},"content":{"rendered":"<div>D\u00e9j\u00e0 tr\u00e8s bas, les taux d&rsquo;int\u00e9r\u00eat des cr\u00e9dits immobiliers aux particuliers ont encore baiss\u00e9 en avril 2019. Les planchers historiques sont battus sur 15, 20 et 25 ans mais les montants des acquisitions sont aussi \u00e0 la hausse.<\/p>\n<p>C&rsquo;est, depuis le d\u00e9but de l&rsquo;ann\u00e9e, devenu une (bonne) habitude : les banques fran\u00e7aises ont \u00e0 nouveau nettement baiss\u00e9 en avril les taux d&rsquo;int\u00e9r\u00eat des pr\u00eats immobiliers. Pour le 11<sup>\u00e8me<\/sup> mois cons\u00e9cutif, ils sont m\u00eame inf\u00e9rieurs au rythme de l&rsquo;inflation, confirmant une situation in\u00e9dite depuis 1974. S&rsquo;\u00e9tablissant \u00e0 <strong>1,35 % en moyenne <\/strong>(toutes dur\u00e9es confondues et hors assurance), ils ont presque rejoint leur <strong>minimum historique de novembre 2016 <\/strong>(1,33 %).<\/div>\n<h2>Tout pr\u00e8s du record<\/h2>\n<div>Ce record global de fin 2016 n&rsquo;est donc pas encore battu. Mais lorsqu&rsquo;on regarde dur\u00e9e par dur\u00e9e, les taux n&rsquo;ont <strong>jamais \u00e9t\u00e9 aussi bas<\/strong> : <strong>1,09% sur 15 ans<\/strong> (contre 1,15% en novembre 2016), 1,27% sur 20 ans (contre 1,37%) et 1,49% sur 25 ans (contre 1,63%). Comment expliquer ce paradoxe ? En r\u00e9alit\u00e9, les taux sont extr\u00eamement bas, mais les Fran\u00e7ais empruntent sur des dur\u00e9es de plus en plus longues. M\u00e9caniquement, plus on emprunte sur des dur\u00e9es longues, plus les taux moyens sont \u00e9lev\u00e9s. Ce qui explique que le record toutes dur\u00e9es confondues n&rsquo;est pas encore battu.<\/p>\n<p>Cela \u00e9tant, \u00ab\u00a0<em>jamais par le pass\u00e9 l&rsquo;acc\u00e8s aux cr\u00e9dits immobiliers n&rsquo;aura \u00e9t\u00e9 rendu aussi facile par les \u00e9tablissements bancaires<\/em>\u00ab\u00a0, r\u00e9sume dans un communiqu\u00e9 l&rsquo;observatoire Cr\u00e9dit Logement\/CSA. Cette configuration exceptionnelle des taux s&rsquo;accompagne de plus d&rsquo;une <strong>nouvelle diminution<\/strong> de l&rsquo;<strong>apport personnel<\/strong> exig\u00e9&nbsp;(- 10,1 % pour les 4 premiers mois de 2019) et du maintien \u00e0 niveau \u00e9lev\u00e9 de la dur\u00e9e des cr\u00e9dits accord\u00e9s. En avril 2019, la dur\u00e9e moyenne des pr\u00eats accord\u00e9s s&rsquo;est ainsi \u00e9lev\u00e9e \u00e0 <strong>227 mois<\/strong> (soit un peu moins de 19 ans), contre 228 mois en mars 2019 (19 ans).<\/div>\n<h2>Un niveau d&rsquo;investissement toujours \u00e9lev\u00e9<\/h2>\n<div>N\u00e9anmoins, les prix immobiliers \u00e9tant globalement en hausse, le co\u00fbt des acquisitions r\u00e9alis\u00e9es par les m\u00e9nages augmente toujours rapidement (+ 3 % pour les 4 premiers mois de 2019, en glissement annuel). Le co\u00fbt relatif de leurs op\u00e9rations immobili\u00e8res reste donc sur les niveaux les plus \u00e9lev\u00e9s constat\u00e9s jusqu&rsquo;alors, \u00e0 <strong>4,4 ann\u00e9es de revenus<\/strong> en avril 2019 (contre 4,5 un an plus t\u00f4t).<\/p>\n<p>En effet, les revenus des emprunteurs n&rsquo;augmentent que doucement depuis le d\u00e9but d&rsquo;ann\u00e9e (+ 1 % en glissement annuel), bien&nbsp;en dessous de la hausse du co\u00fbt des investissements immobiliers. Avec la <strong>d\u00e9t\u00e9rioration des dispositifs publics<\/strong> (PTZ, Pinel&#8230;), les projets des m\u00e9nages jeunes ou modestes, souvent faiblement dot\u00e9s en apport personnel deviennent plus difficiles \u00e0 financer.<\/p>\n<p>Le cr\u00e9dit immobilier est ainsi entr\u00e9 l&rsquo;an dernier dans une<strong> situation in\u00e9dite<\/strong> \u00e0 plusieurs \u00e9gards en France. Ses encours totaux ont notamment atteint un niveau sans pr\u00e9c\u00e9dent \u00e0 plus de 1.000 milliards d&rsquo;euros, selon les donn\u00e9es de la Banque de France.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e9j\u00e0 tr\u00e8s bas, les taux d&rsquo;int\u00e9r\u00eat des cr\u00e9dits immobiliers aux particuliers ont encore baiss\u00e9 en avril 2019. Les planchers historiques sont battus sur 15, 20 et 25 ans mais les montants des acquisitions sont aussi \u00e0 la hausse.<\/p>\n","protected":false},"author":4,"featured_media":2097,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2096","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>Baisse des taux immobiliers, presque \u00e0 leur plancher historique<\/title>\n<meta name=\"description\" content=\"Les taux d&#039;int\u00e9r\u00eat des cr\u00e9dits immobiliers ont encore baiss\u00e9 en avril 2019. 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