{"id":2136,"date":"2019-06-26T11:34:49","date_gmt":"2019-06-26T09:34:49","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-2019-nouvelle-annee-record-en-vue_-n.html"},"modified":"2020-07-28T15:30:38","modified_gmt":"2020-07-28T13:30:38","slug":"immobilier-2019-nouvelle-annee-record-en-vue_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-2019-nouvelle-annee-record-en-vue_-n.html","title":{"rendered":"Immobilier : 2019, nouvelle ann\u00e9e record en vue"},"content":{"rendered":"

Le march\u00e9 immobilier qui vient de vivre trois ann\u00e9es records  successives – 2016, 2017 et 2018 – semble bien parti sur cette m\u00eame voie en 2019. Baisse continue des taux et ralentissement de la hausse des prix sont les points cl\u00e9s pour d\u00e9crypter ce march\u00e9.<\/p>\n

Baisse significative de l’apport personnel<\/h2>\n
Dans un entretien, tr\u00e8s d\u00e9taill\u00e9, accord\u00e9 au site d’annonces immobili\u00e8res Seloger.com<\/a>, Michel Mouillart, professeur d’\u00e9conomie et porte-parole du barom\u00e8tre LPI-SeLoger \u00e9voque, chiffres \u00e0 l’appui, les perspectives d’\u00e9volution du march\u00e9 immobilier pour la seconde moiti\u00e9 de l’ann\u00e9e 2019.<\/p>\n

Pour ce professionnel sp\u00e9cialiste de l’\u00e9conomie immobili\u00e8re depuis de longues ann\u00e9es, les ventes ont retrouv\u00e9 de la vigueur<\/strong> surtout gr\u00e2ce \u00e0 la baisse <\/strong>des taux d’int\u00e9r\u00eat, le rallongement <\/strong>de la dur\u00e9e des pr\u00eats et la baisse rapide<\/strong> du montant des apports personnels. D’apr\u00e8s le barom\u00e8tre LPI-SeLoger, au cours des trois derniers mois, les ventes de logements anciens ont ainsi progress\u00e9 de 8 %. Si le march\u00e9 repart, c’est parce que les banques ont su adapter leur strat\u00e9gie<\/strong>. Depuis le d\u00e9but du mois de juin, le taux moyen des cr\u00e9dits immobiliers (1,29 % en mai \u2013 hors assurance) continue de baisser. Michel Mouillart imagine m\u00eame qu’en septembre prochain, ce taux sera tomb\u00e9 \u00e0 1,2 %, en moyenne et sans perspective de remont\u00e9e<\/strong> de ces taux avant l’automne 2020<\/strong>.<\/p>\n

Au-del\u00e0 des taux immobiliers qui sont bas, ce qui importe, c’est le taux d’apport personnel <\/strong>qui est exig\u00e9. Or, en mai dernier, ces taux s’\u00e9tablissaient, en moyenne, \u00e0 14 %<\/strong> alors que, de 2008 \u00e0 2014, le taux moyen d’apport personnel<\/a> atteignait 24 %. L’action des \u00e9tablissements bancaires a donc \u00e9t\u00e9 d\u00e9terminante dans le soutien de la demande,<\/strong> puis dans le d\u00e9clenchement de la reprise de l’activit\u00e9. Car il est \u00e9galement \u00e0 noter que les banques ont, sinon compens\u00e9, \u00e0 tout le moins tr\u00e8s largement att\u00e9nu\u00e9 les cons\u00e9quences de la d\u00e9gradation des soutiens publics \u00e0 la primo-accession comme le pr\u00eat \u00e0 taux z\u00e9ro.<\/div>\n

Une moyenne de 3 594 \u20ac\/m\u00b2 pour l’ancien<\/h2>\n
Dans le m\u00eame temps, le ralentissement de la hausse des prix<\/strong> se poursuit. En mai dernier, sur l’ensemble des logements anciens, la hausse des prix atteignait 3,5 %, en rythme annuel. \u00c0 titre de comparaison, en 2018, \u00e0 la m\u00eame \u00e9poque, les prix progressaient de 3,9 % sur un an. Ce qui illustre les limites de la capacit\u00e9 des m\u00e9nages \u00e0 absorber des hausses de prix suppl\u00e9mentaires.
\nCependant, ce ralentissement tend \u00e0 s’essouffler. Michel Mouillart s’attend donc pour l’ann\u00e9e 2019 \u00e0 une hausse du prix de l’immobilier ancien autour de 3 %<\/strong>.<\/div>\n","protected":false},"excerpt":{"rendered":"

Le march\u00e9 immobilier qui vient de vivre trois ann\u00e9es record \u00a0successives – 2016, 2017 et 2018 – semble bien parti\u00a0sur cette m\u00eame voie en 2019. Baisse continue des taux et ralentissement de la hausse des prix sont les points cl\u00e9s pour d\u00e9crypter ce march\u00e9.<\/p>\n","protected":false},"author":4,"featured_media":2137,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2136","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nVers un nouveau record pour l\u2019immobilier en 2019<\/title>\n<meta name=\"description\" content=\"Le march\u00e9 immobilier 2019 : baisse continue des taux et ralentissement de la hausse des prix sont les points cl\u00e9s. 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