{"id":2118,"date":"2019-06-06T14:39:23","date_gmt":"2019-06-06T12:39:23","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html"},"modified":"2020-07-28T15:30:38","modified_gmt":"2020-07-28T13:30:38","slug":"taux-moyen-a-1-29-du-jamais-vu_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html","title":{"rendered":"Taux moyen \u00e0 1,29% : du jamais vu !"},"content":{"rendered":"<p>Le taux d&rsquo;int\u00e9r\u00eat moyen des cr\u00e9dits immobiliers a atteint en mai un <strong>niveau exceptionnel <\/strong>en France. Selon l&rsquo;observatoire Cr\u00e9dit Logement\/CSA<\/a>, les taux d&rsquo;int\u00e9r\u00eat des cr\u00e9dits immobiliers, toutes dur\u00e9es confondues, se sont \u00e9tablis <strong>en moyenne \u00e0 1,29%<\/strong> en mai.&nbsp;Nettement moins que le pr\u00e9c\u00e9dent plancher historique \u00e0 1,33% de novembre 2016 ! Ces taux bas permettent de faciliter l&rsquo;acc\u00e8s au cr\u00e9dit aux primo-acc\u00e9dants.<\/p>\n<h2>Record battu !<\/h2>\n<p>Sur 15 ans, le taux moyen est de 1,02%, sur 20 ans 1,20% et sur 25 ans 1,42% (hors assurance). Les acheteurs avec un tr\u00e8s bon dossier peuvent m\u00eame d\u00e9sormais pr\u00e9tendre \u00e0 un taux de <strong>0,95 % sur 20 ans<\/strong> (hors assurance, source&nbsp;acecredit.fr<\/a>). \u00ab\u00a0<em>Les taux des cr\u00e9dits immobiliers baissent encore et ils s&rsquo;\u00e9tablissent maintenant au niveau le plus bas jamais constat\u00e9 jusqu&rsquo;alors\u00a0\u00bb<\/em>, r\u00e9sume dans un communiqu\u00e9 l&rsquo;observatoire Cr\u00e9dit Logement\/CSA. \u00ab\u00a0<em>En mai, les taux des cr\u00e9dits immobiliers \u00e9taient quatre fois moindres qu&rsquo;au d\u00e9but des ann\u00e9es 2000\u2026 Et presque dix fois moins \u00e9lev\u00e9s qu&rsquo;au d\u00e9but des ann\u00e9es 1990&Prime;<\/em>. Ce niveau,&nbsp;aussi bas, de taux de cr\u00e9dits est possible en raison de la <strong>politique mon\u00e9taire toujours accommodante<\/strong> de la Banque centrale europ\u00e9enne (BCE). Elle&nbsp;permet ainsi des conditions de financement et de refinancement particuli\u00e8rement favorables aux banques. Une tendance qui devrait <strong>se poursuivre<\/strong> dans les prochains mois.<\/p>\n<h2>Des taux inf\u00e9rieurs \u00e0 l&rsquo;inflation<\/h2>\n<div>L&rsquo;Observatoire souligne aussi que, \u00ab\u00a0<em>pour le 12\u00e8me mois cons\u00e9cutif, les taux sont inf\u00e9rieurs au rythme de l&rsquo;inflation. Une telle situation est sans pr\u00e9c\u00e9dent depuis la Lib\u00e9ration: si d\u00e9j\u00e0 au d\u00e9but des ann\u00e9es 50, puis en 1958 ou en 1974, ces taux d&rsquo;int\u00e9r\u00eat \u00e9taient inf\u00e9rieurs \u00e0 l&rsquo;inflation, ce n&rsquo;\u00e9tait pas en raison de leur faiblesse, mais parce que les prix augmentaient alors de plus de 10% par an<\/em>\u00ab\u00a0. Ce qui revient \u00e0 dire que, th\u00e9oriquement, on peut <strong>gagner du pouvoir d&rsquo;achat en empruntant ! <\/strong><\/p>\n<p>Ce contexte in\u00e9dit s&rsquo;accompagne \u00e9galement&nbsp;d&rsquo;un <strong>allongement des dur\u00e9es de pr\u00eats<\/strong> octroy\u00e9s par les banques. En mai, la dur\u00e9e des pr\u00eats s&rsquo;est en effet \u00e9lev\u00e9e \u00e0 <strong>228 mois en moyenne<\/strong>, soit 19 ans, un mois de plus par rapport \u00e0 avril. Depuis&nbsp;d\u00e9but 2014, cette dur\u00e9e moyenne des pr\u00eats bancaires&nbsp;s&rsquo;est allong\u00e9e&nbsp;de 29 mois. \u00ab\u00a0<em>Jamais par le pass\u00e9, elles n&rsquo;avaient \u00e9t\u00e9 aussi \u00e9lev\u00e9es<\/em>\u00ab\u00a0. Emprunter \u00e0 long terme permet de <strong>rembourser des mensualit\u00e9s plus faibles<\/strong> ou d&rsquo;augmenter son pouvoir d&rsquo;achat, permettant ainsi l&rsquo;acc\u00e8s \u00e0 la propri\u00e9t\u00e9&nbsp;aux&nbsp;primo-acc\u00e9dants&nbsp;ou aux&nbsp;m\u00e9nages modestes.&nbsp;<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le taux d\u2019int\u00e9r\u00eat moyen des cr\u00e9dits immobiliers a atteint en mai un niveau exceptionnel en France : 1,29%, soit nettement moins que le plancher historique \u00e0 1,33% de novembre 2016 ! Ces taux bas facilitent l\u2019acc\u00e8s au cr\u00e9dit aux primo-acc\u00e9dants.<\/p>\n","protected":false},"author":4,"featured_media":2119,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2118","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>Niveau record dans les taux de cr\u00e9dit immobilier. Du jamais vu.<\/title>\n<meta name=\"description\" content=\"Le taux d\u2019int\u00e9r\u00eat moyen des cr\u00e9dits immobiliers atteint en mai un niveau exceptionnel : 1,29%. ! Le plancher historique (1,33%) est battu, facilitant l\u2019acc\u00e8s des primo-acc\u00e9dants.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Niveau record dans les taux de cr\u00e9dit immobilier. Du jamais vu.\" \/>\n<meta property=\"og:description\" content=\"Le taux d\u2019int\u00e9r\u00eat moyen des cr\u00e9dits immobiliers atteint en mai un niveau exceptionnel : 1,29%. ! Le plancher historique (1,33%) est battu, facilitant l\u2019acc\u00e8s des primo-acc\u00e9dants.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-06T12:39:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:30:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/gesture-772977-640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"426\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-moyen-a-1-29-du-jamais-vu_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-moyen-a-1-29-du-jamais-vu_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Taux moyen \u00e0 1,29% : du jamais vu !\",\"datePublished\":\"2019-06-06T12:39:23+00:00\",\"dateModified\":\"2020-07-28T13:30:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-moyen-a-1-29-du-jamais-vu_-n.html\"},\"wordCount\":438,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-moyen-a-1-29-du-jamais-vu_-n.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/gesture-772977-640.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-moyen-a-1-29-du-jamais-vu_-n.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/gesture-772977-640.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/gesture-772977-640.jpg\",\"width\":640,\"height\":426,\"caption\":\"baisse des taux de cr\u00e9dit immobilier en f\u00e9vrier 2021\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-moyen-a-1-29-du-jamais-vu_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Taux moyen \u00e0 1,29% : du jamais vu !\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Niveau record dans les taux de cr\u00e9dit immobilier. Du jamais vu.","description":"Le taux d\u2019int\u00e9r\u00eat moyen des cr\u00e9dits immobiliers atteint en mai un niveau exceptionnel : 1,29%. ! Le plancher historique (1,33%) est battu, facilitant l\u2019acc\u00e8s des primo-acc\u00e9dants.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"Niveau record dans les taux de cr\u00e9dit immobilier. Du jamais vu.","og_description":"Le taux d\u2019int\u00e9r\u00eat moyen des cr\u00e9dits immobiliers atteint en mai un niveau exceptionnel : 1,29%. ! Le plancher historique (1,33%) est battu, facilitant l\u2019acc\u00e8s des primo-acc\u00e9dants.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2019-06-06T12:39:23+00:00","article_modified_time":"2020-07-28T13:30:38+00:00","og_image":[{"width":640,"height":426,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/gesture-772977-640.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Taux moyen \u00e0 1,29% : du jamais vu !","datePublished":"2019-06-06T12:39:23+00:00","dateModified":"2020-07-28T13:30:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html"},"wordCount":438,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/gesture-772977-640.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/gesture-772977-640.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/gesture-772977-640.jpg","width":640,"height":426,"caption":"baisse des taux de cr\u00e9dit immobilier en f\u00e9vrier 2021"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-moyen-a-1-29-du-jamais-vu_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Taux moyen \u00e0 1,29% : du jamais vu !"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/2118","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=2118"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/2118\/revisions"}],"predecessor-version":[{"id":3442,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/2118\/revisions\/3442"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/2119"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=2118"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=2118"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=2118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}