{"id":2122,"date":"2019-06-06T16:54:15","date_gmt":"2019-06-06T14:54:15","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/aucun-risque-de-bulle-dans-l-immobilier-en-europe_-n.html"},"modified":"2020-07-28T15:30:38","modified_gmt":"2020-07-28T13:30:38","slug":"aucun-risque-de-bulle-dans-l-immobilier-en-europe_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/aucun-risque-de-bulle-dans-l-immobilier-en-europe_-n.html","title":{"rendered":"Aucun risque de bulle dans l&rsquo;immobilier en Europe"},"content":{"rendered":"<div>Malgr\u00e9 l&rsquo;envol\u00e9e des prix de l&rsquo;immobilier en Europe, l&rsquo;agence de notation Moody&rsquo;s n&rsquo;anticipe <strong>pas une prochaine bulle immobili\u00e8re<\/strong>, ni une d\u00e9gradation de la solvabilit\u00e9 des acheteurs. Le risque est l&rsquo;exclusion des jeunes acheteurs.<\/p>\n<p>D&rsquo;apr\u00e8s l&rsquo;\u00e9tude de Moody&rsquo;s rapport\u00e9e dans Les Echos, le <strong>ratio d&rsquo;endettement est rest\u00e9 stable<\/strong> ces dix derni\u00e8res ann\u00e9es dans toutes les grandes villes, gr\u00e2ce notamment \u00e0 la faiblesse des taux mais aussi \u00e0 une plus grande s\u00e9lectivit\u00e9 des dossiers de cr\u00e9dit. Autres facteurs de soutien du march\u00e9 immobilier et des prix actuels : l&rsquo;urbanisation croissante, la <strong>faiblesse de la construction neuve<\/strong>, la concentration de salaires \u00e9lev\u00e9s et la <strong>demande de logements locatifs<\/strong>. Les prix ne baissant pas, les <strong>in\u00e9galit\u00e9s \u00e0 l&rsquo;accession <\/strong>\u00e0 la propri\u00e9t\u00e9 risquent de se creuser. \u00ab&nbsp;<em>Depuis 2012, les prix du logement dans les grandes villes europ\u00e9ennes \u00e9voluent plus rapidement que le revenu des habitants&nbsp;<\/em>\u00bb, souligne Moody&rsquo;s (source Le Figaro Immobilier).<\/div>\n<h2>Villes europ\u00e9ennes tr\u00e8s attractives donc ch\u00e8res<\/h2>\n<div>Effectivement, les acheteurs doivent&nbsp;mobiliser, en moyenne, <strong>15 ans de revenus disponibles<\/strong> pour acheter une r\u00e9sidence dans l&rsquo;une des 9 grandes villes europ\u00e9ennes, contre 12 ans en moyenne avant la crise financi\u00e8re de 2007. A Paris, l&rsquo;effort passe \u00e0 18 ann\u00e9es, soit six de plus que dans les ann\u00e9es 2005-2007. Seule exception, Madrid o\u00f9 l&rsquo;immobilier est aujourd&rsquo;hui plus abordable qu&rsquo;en 2005.<\/p>\n<p>Quid des ann\u00e9es \u00e0 venir ? \u00ab&nbsp;<em>Ces capitales europ\u00e9ennes attirent toujours plus de travailleurs, ce qui r\u00e9duit le risque de d\u00e9pr\u00e9ciation des prix de l&rsquo;immobilier, <\/em>explique l&rsquo;agence de notation.<em> Nous pensons que le ph\u00e9nom\u00e8ne d&rsquo;urbanisation va continuer de cro\u00eetre dans les dix prochaines ann\u00e9es<\/em>\u00bb.&nbsp;A cela s&rsquo;ajoute l&rsquo;<strong>engouement des investisseurs \u00e9trangers<\/strong> qui ach\u00e8tent de plus en plus d&rsquo;immobilier dans les grandes villes europ\u00e9ennes. Certains pays, comme l&rsquo;Espagne et le Portugal, ont d&rsquo;ailleurs multipli\u00e9 les incitations pour attirer une client\u00e8le \u00e9trang\u00e8re.<\/div>\n<h2>Accession devenue difficile<\/h2>\n<p>Ph\u00e9nom\u00e8ne particuli\u00e8rement marqu\u00e9 \u00e0 <strong>Paris<\/strong>, <strong>Amsterdam<\/strong> et <strong>Berlin<\/strong>, cette inflation des prix a pour cons\u00e9quence f\u00e2cheuse d&rsquo;<strong>\u00e9loigner les jeunes adultes<\/strong> de l&rsquo;accession \u00e0 la propri\u00e9t\u00e9 dans les centres urbains, qui se retrouvent ainsi \u00e0 devoir choisir entre un <strong>achat en banlieue<\/strong>&nbsp;et&nbsp;une <strong>location<\/strong>. Or, souligne l&rsquo;\u00e9tude, cette demande locative alimente la hausse les loyers, ce qui ob\u00e8re d&rsquo;autant leur capacit\u00e9 d&#8217;emprunt, et donc leur chance d&rsquo;acheter un bien dans une grande ville ult\u00e9rieurement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Malgr\u00e9 l\u2019envol\u00e9e des prix de l\u2019immobilier en Europe, l&rsquo;agence de notation Moody&rsquo;s n\u2019anticipe pas une prochaine bulle immobili\u00e8re, ni une d\u00e9gradation de la solvabilit\u00e9 des acheteurs. Le risque est l\u2019exclusion des jeunes acheteurs.<\/p>\n","protected":false},"author":4,"featured_media":2123,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2122","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>Aucune bulle immobili\u00e8re europ\u00e9enne pr\u00e9vue selon Moody&#039;s<\/title>\n<meta name=\"description\" content=\"Malgr\u00e9 l\u2019envol\u00e9e des prix de l\u2019immobilier en Europe, l&#039;agence Moody&#039;s n\u2019anticipe pas une prochaine bulle immobili\u00e8re.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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