{"id":2134,"date":"2019-06-20T17:08:09","date_gmt":"2019-06-20T15:08:09","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-d-interet-toujours-plus-bas_-n.html"},"modified":"2020-07-28T15:30:38","modified_gmt":"2020-07-28T13:30:38","slug":"taux-d-interet-toujours-plus-bas_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-d-interet-toujours-plus-bas_-n.html","title":{"rendered":"Taux d\u2019int\u00e9r\u00eat : toujours plus bas !"},"content":{"rendered":"

In\u00e9dit : la France emprunte sur 10 ans \u00e0 des taux n\u00e9gatifs, ce qui impacte favorablement les taux d’int\u00e9r\u00eat des cr\u00e9dits immobiliers, d\u00e9j\u00e0 \u00e0 un niveau historiquement bas.<\/p>\n

OAT n\u00e9gatifs, une premi\u00e8re !<\/h2>\n
Nouvelle d\u00e9gringolade<\/strong> des taux d’int\u00e9r\u00eat depuis le d\u00e9but du printemps : 1.15 % sur 15 ans en juin contre 1,<\/b>30% en avril dernier (hors assurance, source acecredit.fr<\/a>). Cette situation in\u00e9dite pourrait perdurer jusqu’\u00e0 la fin de l’ann\u00e9e car \u00abl’OAT 10 ans est pass\u00e9 en territoire n\u00e9gatif<\/em>\u00bb. Traduction : le taux d’emprunt d’\u00c9tat \u00e0 10 ans est tomb\u00e9, le 18 juin, sous la barre des 0%<\/strong> (\u00e0 -0,002%) sur le march\u00e9 secondaire (c’est-\u00e0-dire lorsque les investisseurs s’\u00e9changent des obligations d\u00e9j\u00e0 \u00e9mises par l’Etat). L’OAT 10 ans d\u00e9signe, en effet, le taux auquel l’\u00c9tat fran\u00e7ais emprunte sur dix ans sur les march\u00e9s financiers.<\/p>\n

Ces OAT, obligations assimilables du Tr\u00e9sor, sont des emprunts que l’Etat fran\u00e7ais \u00e9met pour financer ses besoins. Or, ces OAT servent de r\u00e9f\u00e9rence pour tout le march\u00e9 du cr\u00e9dit<\/strong>, en particulier immobilier<\/strong>, qui suit globalement la m\u00eame tendance<\/strong>. Si les taux auxquel les banques s’endettent sont bas, ceux auxquels elles pr\u00eatent de l’argent \u00e0 leurs clients le seront aussi.<\/p>\n

Depuis un peu plus de deux ans, le taux de l’emprunt d’\u00c9tat ne cesse de reculer pour atteindre aujourd’hui le chiffre de 0,04%. Une premi\u00e8re<\/strong> dans l’histoire de la France. Le dernier record en date \u00e9tait de 0,10% en juillet 2016, une ann\u00e9e o\u00f9 les taux des cr\u00e9dits immobiliers avaient atteint des niveaux planchers in\u00e9dits \u00e0 l’\u00e9poque (en novembre plus pr\u00e9cis\u00e9ment). Parfaitement synchronis\u00e9 dans le m\u00eame laps de temps, le taux moyen des cr\u00e9dits immobiliers, toutes dur\u00e9es confondues, a recul\u00e9 de pr\u00e8s de 0,2 point (de 1,47% en f\u00e9vrier 2017 \u00e0 1,29% aujourd’hui), selon l’Observatoire Cr\u00e9dit Logement\/CSA. Et pourtant, les professionnels du cr\u00e9dit s’attendaient \u00e0 une remont\u00e9e des taux en 2019 !<\/div>\n

Aucune hausse des taux en pr\u00e9vision<\/h2>\n

Le cr\u00e9dit immobilier reste cependant primordial dans la strat\u00e9gie commerciale <\/strong>des banques, car c’est un moyen rentable et peu risqu\u00e9 de placer leurs liquidit\u00e9s et de gagner de nouveaux clients, \u00e0 fort potentiel. Les banques devraient privil\u00e9gier les bons voire tr\u00e8s bons dossiers (revenus \u00e9lev\u00e9s et r\u00e9guliers et bonne capacit\u00e9 d’\u00e9pargne) qui pourront b\u00e9n\u00e9ficier de taux particuli\u00e8rement attractifs<\/strong>. Pour compenser la hausse des prix immobiliers et\/ou pour r\u00e9duire les mensualit\u00e9s<\/strong>, elles devraient \u00e9galement leur proposer des dur\u00e9es d’emprunt plus longues<\/strong>. Conclusion : les futurs acqu\u00e9reurs qui souhaitent se lancer dans un projet d’acquisition cet \u00e9t\u00e9 ne devraient pas constater de hausse de taux.<\/p>\n","protected":false},"excerpt":{"rendered":"

In\u00e9dit : la France emprunte sur 10 ans \u00e0 des taux n\u00e9gatifs, ce qui impacte favorablement les taux d\u2019int\u00e9r\u00eat des cr\u00e9dits immobiliers, d\u00e9j\u00e0 \u00e0 un niveau bas historique.<\/p>\n","protected":false},"author":4,"featured_media":2135,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2134","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nLes taux peuvent-ils encore descendre ?<\/title>\n<meta name=\"description\" content=\"In\u00e9dit : la France emprunte sur 10 ans \u00e0 des taux n\u00e9gatifs, ce qui impacte \u00e0 la baisse les taux d\u2019int\u00e9r\u00eat des cr\u00e9dits immobiliers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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