{"id":2142,"date":"2019-07-04T15:23:14","date_gmt":"2019-07-04T13:23:14","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-la-banque-de-france-surveille-le-niveau-d-endettement-des-menages_-n.html"},"modified":"2020-07-28T15:30:38","modified_gmt":"2020-07-28T13:30:38","slug":"credit-immobilier-la-banque-de-france-surveille-le-niveau-d-endettement-des-menages_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-la-banque-de-france-surveille-le-niveau-d-endettement-des-menages_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : la Banque de France surveille le niveau d&rsquo;endettement des m\u00e9nages"},"content":{"rendered":"<div>Le contexte de taux bas des pr\u00eats immobiliers s&rsquo;accompagne \u00e9galement d&rsquo;un net <strong>assouplissement des crit\u00e8res d&rsquo;octroi <\/strong>qui retrouvent les niveaux observ\u00e9s en 2007 2008. La dur\u00e9e des pr\u00eats et le taux d&rsquo;endettement sont \u00e0 la hausse. La Banque de France reste <strong>vigilante <\/strong>quant \u00e0 leur \u00e9volution.<\/p>\n<p>Dans un bulletin publi\u00e9 fin juin<\/a>, la Banque de France pointe \u00ab\u00a0<em>le rel\u00e2chement progressif de certains crit\u00e8res d&rsquo;octroi [ndlr : de cr\u00e9dits immobiliers] dans le contexte d&rsquo;une hausse des prix immobiliers, plus rapide que celle des revenus des m\u00e9nages<\/em>\u00ab\u00a0. L&rsquo;institution a en effet constat\u00e9 que le montant du pr\u00eat moyen a encore progress\u00e9 de 5% sur un an, soit <strong>170 200 euros en 2018<\/strong>.<\/p>\n<p>Reflet d&rsquo;une dynamique de prix nettement plus soutenue, ce montant moyen a par ailleurs progress\u00e9 <strong>deux fois plus vite<\/strong> en Ile-de-France qu&rsquo;en province, respectivement de 8,6% et de 4,6%. L&rsquo;assouplissement progressif des conditions d&rsquo;attribution des cr\u00e9dits immobiliers touche l&rsquo;ensemble des emprunteurs, pr\u00e9cise la Banque de France.<\/div>\n<h2>Taux d&rsquo;endettement en hausse rapide<\/h2>\n<div>La <strong>dur\u00e9e des pr\u00eats<\/strong> accord\u00e9s a aussi continu\u00e9 d&rsquo;augmenter, pour la troisi\u00e8me ann\u00e9e de suite, pour atteindre <strong>19,9 ans<\/strong>, soit le m\u00eame niveau qu&rsquo;en 2008. Le taux d&rsquo;endettement, \u00e9galement en nette remont\u00e9e, atteint son plus haut niveau depuis 2004. Cet indicateur repr\u00e9sente le nombre d&rsquo;ann\u00e9es de revenus n\u00e9cessaires au remboursement d&rsquo;un pr\u00eat immobilier. En 2018, il a atteint <strong>5,2 ans<\/strong> &#8211; contre 4,8 ans en 2017 &#8211; tir\u00e9 vers le haut par la hausse du taux d&rsquo;endettement moyen chez les primo-acc\u00e9dants et les acqu\u00e9reurs d\u00e9j\u00e0 propri\u00e9taires.<\/p>\n<p>La part des charges li\u00e9es \u00e0 la r\u00e9sidence a aussi augment\u00e9, mais plus mod\u00e9r\u00e9ment pour les m\u00e9nages. Leur taux d&rsquo;effort, soit le rapport entre les charges li\u00e9es \u00e0 l&rsquo;habitation et les revenus, a atteint 30,1% en 2018.<\/p><\/div>\n<h2>Risque de d\u00e9faillance quasiment nul<\/h2>\n<div>Le volume annuel de cr\u00e9dits octroy\u00e9s et les encours actuellement \u00e0 des niveaux records, sont n\u00e9anmoins assez <strong>s\u00e9curis\u00e9s face au risque de d\u00e9faut de remboursement<\/strong>. En d\u00e9pit du \u00ab\u00a0<em>rel\u00e2chement observ\u00e9 de certains crit\u00e8res d&rsquo;octroi, le march\u00e9 fran\u00e7ais du financement de l&rsquo;habitat continue de b\u00e9n\u00e9ficier d&rsquo;une faible sinistralit\u00e9<\/em>\u00ab\u00a0, rappelle la Banque de France.<\/p>\n<p>Les principes de taux fixes qui limitent les risques li\u00e9s \u00e0 une \u00e9ventuelle remont\u00e9e des taux, de cautionnement qui couvre le d\u00e9faut de paiement et de v\u00e9rification approfondie de la solvabilit\u00e9 des emprunteurs par la banque pr\u00eateuse y contribuent fortement. R\u00e9sultat : la part des encours douteux de cr\u00e9dits immobiliers \u00e9tait de seulement <strong>1,3%<\/strong> au 31 d\u00e9cembre 2018.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le contexte de taux bas pour les pr\u00eats immobiliers s\u2019accompagne \u00e9galement par un net assoupissement des crit\u00e8res d\u2019octroi qui retrouvent les niveaux observ\u00e9s en 2007 2008. La dur\u00e9e des pr\u00eats et le taux d&rsquo;endettement sont \u00e0 la hausse. La Banque de France reste vigilante quant \u00e0 leur \u00e9volution.<\/p>\n","protected":false},"author":4,"featured_media":2143,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2142","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>Vigilance de la Banque de France sur le cr\u00e9dit immobilier<\/title>\n<meta name=\"description\" content=\"La dur\u00e9e des pr\u00eats immobiliers et le taux d&#039;endettement sont \u00e0 la hausse. La Banque de France surveille leur \u00e9volution.\" \/>\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\/credit-immobilier-la-banque-de-france-surveille-le-niveau-d-endettement-des-menages_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vigilance de la Banque de France sur le cr\u00e9dit immobilier\" \/>\n<meta property=\"og:description\" content=\"La dur\u00e9e des pr\u00eats immobiliers et le taux d&#039;endettement sont \u00e0 la hausse. La Banque de France surveille leur \u00e9volution.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-la-banque-de-france-surveille-le-niveau-d-endettement-des-menages_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-04T13:23:14+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\/mega-menu-la-banque-de-france-64b59c39b26e8d5e936ede7724282252.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"360\" \/>\n\t<meta property=\"og:image:height\" content=\"191\" \/>\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 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