{"id":2110,"date":"2019-05-23T18:30:12","date_gmt":"2019-05-23T16:30:12","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/etre-proprietaire-en-europe_-n.html"},"modified":"2020-07-28T15:30:39","modified_gmt":"2020-07-28T13:30:39","slug":"etre-proprietaire-en-europe_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/etre-proprietaire-en-europe_-n.html","title":{"rendered":"Etre propri\u00e9taire en Europe"},"content":{"rendered":"<div>Les \u00e9lections europ\u00e9ennes de ce mois de mai 2019 fournissent l&rsquo;occasion&nbsp;de s&rsquo;int\u00e9resser \u00e0 nos voisins limitrophes ou plus \u00e9loign\u00e9s et aux typologies de propri\u00e9taires en Europe.<\/p>\n<p><strong>Sept Europ\u00e9ens sur dix<\/strong> sont <strong>propri\u00e9taires,&nbsp;<\/strong>mais les taux varient d&rsquo;un pays \u00e0 l&rsquo;autre. Constat \u00e9tonnant, les pays riches ne sont pas ceux qui comptent les plus de propri\u00e9taires immobiliers. Au contraire, selon Eurostat qui compile les donn\u00e9es des diff\u00e9rents pays europ\u00e9ens<\/a>, les situations varient en fonction de l&rsquo;histoire, de la culture de chaque pays et un exc\u00e9dent de propri\u00e9taires peut \u00eatre un <strong>frein au dynamisme \u00e9conomique<\/strong>. Si l&rsquo;on divise l&rsquo;Europe en trois zones, le nombre moyen de propri\u00e9taires est \u00e9gal \u00e0 87% en Europe de l&rsquo;Est, 71 % en Europe du Sud et 60 % en Europe du Nord.<\/div>\n<h2>A l&rsquo;Est et au&nbsp;Sud, des propri\u00e9taires nombreux<\/h2>\n<div>La <strong>Roumanie<\/strong>, avant dernier pays de l&rsquo;Union Europ\u00e9enne pour le revenu moyen de ses habitants, est pourtant celui qui compte le plus de propri\u00e9taires. La raison est simple : apr\u00e8s la chute de la dictature de Ceaucescu en 1989, les logements ont \u00e9t\u00e9 attribu\u00e9s \u00e0 leurs occupants. La population n&rsquo;ayant cess\u00e9 de baisser depuis (2,8 millions d&rsquo;habitants en moins),&nbsp;le nombre de logements est en exc\u00e9dent.&nbsp; Si l&rsquo;on enl\u00e8ve les \u00e9tudiants et les \u00e9trangers, le <strong>taux de propri\u00e9taires atteint 98 %<\/strong>. Du coup, seulement 2 % des propri\u00e9taires sont endett\u00e9s. En Croatie, en Lituanie, en Slovaquie et en Pologne, le taux de propri\u00e9taires d\u00e9passe aussi 80 % mais avec seulement 10 % \u00e0 15 % de personnes endett\u00e9es.<\/p>\n<p>Situation totalement diff\u00e9rente dans les pays du Sud et en Irlande o\u00f9 l&rsquo;immobilier absorbe l&rsquo;essentiel des revenus des m\u00e9nages. En <strong>Espagne <\/strong>et au <strong>Portugal<\/strong>, plus de 75 % des m\u00e9nages sont propri\u00e9taires du logement qu&rsquo;ils occupent. En <strong>Italie <\/strong>et <strong>Gr\u00e8ce<\/strong>, le taux atteint 73 %. Cette <strong>tradition de l&rsquo;accession&nbsp;\u00e0 la propri\u00e9t\u00e9<\/strong> explique le dynamisme de la construction dans ces pays. Mais avec un corollaire fort : <strong>l&rsquo;endettement<\/strong>. En effet, 30 % des m\u00e9nages en Espagne, 36 % au Portugal et en Irlande, remboursent un cr\u00e9dit. Leur budget logement affecte leur niveau de consommation et l&rsquo;\u00e9conomie y est tr\u00e8s d\u00e9pendante de la construction. Ces taux \u00e9lev\u00e9s de propri\u00e9taires produisent certains contre-effets : les m\u00e9nages n&rsquo;injectent pas d&rsquo;\u00e9pargne dans les fonds de placement pour les PME et les salari\u00e9s se r\u00e9v\u00e8lent beaucoup <strong>moins mobiles<\/strong>.<\/div>\n<h2>Au&nbsp;Nord, des propri\u00e9taires endett\u00e9s<\/h2>\n<p>En <strong>Allemagne<\/strong>,&nbsp;\u00e0 peine plus d&rsquo;un m\u00e9nage sur deux est propri\u00e9taire, soit le plus fort taux de <strong>locataires <\/strong>(48,2 % hors \u00e9tudiants) devant l&rsquo;Autriche (42 %), la Su\u00e8de et &nbsp;la France (35 %). Trois autres pays seulement, le Royaume-Uni, la Su\u00e8de et les Pays-Bas comptent plus de 30 % de locataires. Mais, si en France et en Allemagne <strong>l&rsquo;endettement <\/strong>reste <strong>raisonnable <\/strong>(un propri\u00e9taire sur deux), Britanniques, Su\u00e9dois et surtout N\u00e9erlandais (85 %) remboursent quasiment toute leur vie. Contrairement aux propri\u00e9taires du sud, ils ne r\u00e9duisent pas pour autant leur consommation et ils d\u00e9pensent m\u00eame davantage qu&rsquo;Allemands, Autrichiens et Fran\u00e7ais, sans \u00eatre plus riches. Cons\u00e9quences : d&rsquo;une part, l&rsquo;argent ne part pas dans l&rsquo;apport pour l&rsquo;achat immobilier ;&nbsp;d&rsquo;autre part, il ne dort pas sur les livrets de caisse d&rsquo;\u00e9pargne. L&rsquo;\u00e9conomie de ces pays reste riche sans avoir besoin d&rsquo;un secteur de la construction dynamique.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les \u00e9lections europ\u00e9ennes de ce mois de mai 2019 fournissent l\u2019occasion\u00a0de s\u2019int\u00e9resser \u00e0 nos voisins limitrophes ou plus \u00e9loign\u00e9s et aux typologies de propri\u00e9taires en Europe.<\/p>\n","protected":false},"author":4,"featured_media":2111,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2110","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>Qui est propri\u00e9taire en Europe ? 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