{"id":2184,"date":"2019-08-30T09:53:26","date_gmt":"2019-08-30T07:53:26","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-baisse-record-des-taux-immobiliers-va-t-elle-durer_-n.html"},"modified":"2020-07-28T15:30:37","modified_gmt":"2020-07-28T13:30:37","slug":"la-baisse-record-des-taux-immobiliers-va-t-elle-durer_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-baisse-record-des-taux-immobiliers-va-t-elle-durer_-n.html","title":{"rendered":"La baisse record des taux immobiliers va-t-elle durer ?"},"content":{"rendered":"<p>La combinaison des taux d&#8217;emprunts n\u00e9gatifs et de la baisse des taux de la BCE laisse penser que la situation actuelle in\u00e9dite va se prolonger <strong>au moins jusqu&rsquo;\u00e0 mi-2020<\/strong>. Une tr\u00e8s bonne nouvelle pour les futurs acheteurs.<\/p>\n<h2>Une situation internationale favorable<\/h2>\n<p>La France fait partie de ces pays privil\u00e9gi\u00e9s, comme l&rsquo;Allemagne, la Suisse ou encore les Pays-Bas o\u00f9 le taux de l&rsquo;OAT (emprunts accord\u00e9s aux \u00c9tats qui t\u00e9moignent de leur sant\u00e9 financi\u00e8re) \u00e0 10 ans est tomb\u00e9 cet \u00e9t\u00e9 \u00e0&#8230;-0,35%.&nbsp;Dans un contexte international tendu, marqu\u00e9 par la guerre commerciale entre les \u00c9tats-Unis et la Chine, la croissance molle en Europe et l&rsquo;arriv\u00e9e au pouvoir de Boris Johnson, favorable au Brexit, <strong>les investisseurs pr\u00e9f\u00e8rent jouer la s\u00e9curit\u00e9 en privil\u00e9giant les emprunts d&rsquo;\u00c9tat<\/strong>&nbsp;dans lesquels&nbsp;ils ont toute confiance. Or, ces OAT \u00e0 10 ans servent aussi d&rsquo;indicateur de <strong>r\u00e9f\u00e9rence pour fixer les taux de cr\u00e9dit immobilier<\/strong>. Tant que le taux des premiers restera tr\u00e8s bas, il n&rsquo;y a aucune raison que les seconds remontent. Une bonne nouvelle ne venant jamais seule, fin juillet, la Banque centrale europ\u00e9enne (BCE) bas\u00e9e \u00e0 Francfort <strong>a exclu toute remont\u00e9e de ses taux<\/strong> \u00ab\u00a0au moins jusqu&rsquo;\u00e0 la mi-2020\u00a0\u00bb en laissant m\u00eame entrevoir de nouvelles baisses dans les prochains mois.<\/p>\n<h2>L&rsquo;horizon de l&rsquo;\u00e9t\u00e9 2020<\/h2>\n<div>Cons\u00e9quence, les taux des cr\u00e9dits immobiliers vont <strong>se maintenir \u00e0 leurs planchers actuels<\/strong>, d\u00e9j\u00e0 historiques. Des taux d\u00e9j\u00e0 tomb\u00e9s \u00e0 <strong>1,20% <\/strong>(hors assurance) en moyenne en juillet, soit <strong>leur plus bas niveau depuis la fin des ann\u00e9es 1940<\/strong> selon l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA qui pr\u00e9cise que, sur 15 ans, ils sont de 0,96% en moyenne, de 1,14% sur 20 ans et de 1,37% sur 25 ans.<\/p>\n<p>Une nouvelle baisse du taux de d\u00e9p\u00f4t de la BCE, qui se trouve d\u00e9j\u00e0 en territoire n\u00e9gatif \u00e0 -0,4%, agirait encore un peu plus comme une taxe sur les liquidit\u00e9s que les banques placent aupr\u00e8s de l&rsquo;institution. Elles pr\u00e9f\u00e8rent donc les pr\u00eater, m\u00eame \u00e0 des taux tr\u00e8s bas, garantissant ainsi leurs marges. Et ce, d&rsquo;autant plus que le cr\u00e9dit immobilier constitue <strong>un produit d&rsquo;appel<\/strong> pour les banques, dans le cadre de leur strat\u00e9gie de conqu\u00eate commerciale de nouveaux clients. <strong>Les futurs acqu\u00e9reurs <\/strong>\u00e0 la recherche d&rsquo;un financement ont donc tout int\u00e9r\u00eat \u00e0 faire jouer la concurrence. Tout comme les d\u00e9tenteurs d&rsquo;un contrat de cr\u00e9dit immobilier \u00e9mis en 2017 qui peuvent d\u00e9j\u00e0 initier une demande de rachat ou de <strong>ren\u00e9gociation <\/strong>afin de r\u00e9aliser de nouvelles \u00e9conomies.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La combinaison des taux d\u2019emprunts n\u00e9gatifs et de la baisse des taux de la BCE laisse penser que la situation actuelle in\u00e9dite va se prolonger au moins jusqu\u2019\u00e0 mi-2020. Une tr\u00e8s bonne nouvelle pour les futurs acheteurs.<\/p>\n","protected":false},"author":4,"featured_media":2185,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2184","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>Les taux d\u2019int\u00e9r\u00eat bas partis pour durer encore au moins un an<\/title>\n<meta name=\"description\" content=\"La baisse des taux de la BCE va se prolonger au moins jusqu\u2019\u00e0 mi-2020. 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