{"id":2188,"date":"2019-09-05T19:22:37","date_gmt":"2019-09-05T17:22:37","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-immobilier-trop-cher_-n.html"},"modified":"2020-07-28T15:30:37","modified_gmt":"2020-07-28T13:30:37","slug":"l-immobilier-trop-cher_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-immobilier-trop-cher_-n.html","title":{"rendered":"L\u2019immobilier, trop cher ?"},"content":{"rendered":"<div>Cette fin d&rsquo;\u00e9t\u00e9 a confirm\u00e9 la tr\u00e8s grande forme actuelle de l&rsquo;immobilier. Le nombre de transactions dans l&rsquo;ancien au cours des douze derniers mois a d\u00e9j\u00e0 d\u00e9pass\u00e9 les chiffres de l&rsquo;an dernier (994 000 entre juin 2018 et mai 2019). Pour la premi\u00e8re fois, <strong>le seuil historique du million de ventes<\/strong> devrait \u00eatre atteint d&rsquo;ici la fin de l&rsquo;ann\u00e9e, soutenu&nbsp;par le <strong>maintien des taux des cr\u00e9dits immobiliers<\/strong> \u00e0 des niveaux exceptionnels et <strong>historiquement bas<\/strong>.<\/p>\n<p>En cons\u00e9quence de quoi les prix ont suivi la m\u00eame logique haussi\u00e8re. Selon le site d&rsquo;annonces MeilleursAgents<\/a>, les grandes villes de France ont atteint cet \u00e9t\u00e9 des niveaux records eux aussi : Rennes (3 013\u20ac), Toulouse (3 086\u20ac) ou m\u00eame Lille (2 692\u20ac). Quant \u00e0 Nantes, elle rivalise avec Lyon pour le titre de star de l&rsquo;immobilier fran\u00e7ais en 2019, avec les +10% de hausse depuis un an fr\u00f4lant d\u00e9sormais les 3 300\u20ac\/m\u00b2 en moyenne.<\/div>\n<h2>Un pouvoir d&rsquo;achat encore en progression<\/h2>\n<p>Pour MeilleursAgents, ces <strong>prix <\/strong>sont indiscutablement <strong>\u00e9lev\u00e9s <\/strong>mais <strong>pas forc\u00e9ment sur\u00e9valu\u00e9s<\/strong>. Le <strong>pouvoir d&rsquo;achat immobilier<\/strong> des Fran\u00e7ais continue \u00e0 <strong>se maintenir<\/strong>, voire&nbsp;\u00e0 s&rsquo;accro\u00eetre dans certaines communes malgr\u00e9 les hausses de prix. Ainsi, depuis 2011, la capacit\u00e9 d&#8217;emprunt<\/a> des m\u00e9nages a bondi de <strong>30% environ<\/strong> (pour m\u00e9moire, les taux d&#8217;emprunt sur 20 ans s&rsquo;affichent actuellement \u00e0 1,3% contre 4% il y a 8 ans). Or, dans le m\u00eame temps, les prix moyens&nbsp;en France s&rsquo;affichent encore en l\u00e9ger repli par rapport \u00e0 leur plus haut historique de 2011. M\u00eame Paris, estim\u00e9 \u00e0 10 000\u20ac\/m\u00b2, n&rsquo;a progress\u00e9 \u201cque\u201d de +17,1% sur la m\u00eame p\u00e9riode. La baisse des taux enregistr\u00e9e depuis une dizaine d&rsquo;ann\u00e9es a donc <strong>plus que compens\u00e9<\/strong> l&rsquo;\u00e9volution des prix immobiliers observ\u00e9e au cours de la m\u00eame p\u00e9riode, \u00e9cartant de fait tout probl\u00e8me de pouvoir d&rsquo;achat dans la quasi-totalit\u00e9 de l&rsquo;hexagone. Seules exceptions : Bordeaux, Toulouse, Rennes, Nantes et Lyon qui ont, pour leur part, vu leurs prix s&rsquo;envoler de plus de 30% depuis 2011.<\/p>\n<h2>Acheter plut\u00f4t que louer<\/h2>\n<div>Corollaire de cette capacit\u00e9 des emprunteurs \u00e0 maximiser l&rsquo;effet de levier du cr\u00e9dit, la dur\u00e9e de d\u00e9tention n\u00e9cessaire pour rentabiliser un achat a rarement \u00e9t\u00e9 aussi faible. En pratique, un m\u00e9nage a aujourd&rsquo;hui tout \u00e0 gagner \u00e0 <strong>acheter plut\u00f4t que louer<\/strong>. \u00c0 Lille, par exemple, il suffit d\u00e9sormais de 3 ans pour que l&rsquo;acquisition d&rsquo;un logement se r\u00e9v\u00e8le <strong>plus rentable<\/strong> qu&rsquo;une location, soit deux fois plus vite qu&rsquo;il y a 10 ans. M\u00eame chose \u00e0 Marseille et Montpellier o\u00f9 moins de 4 ans sont n\u00e9cessaires pour parvenir au m\u00eame r\u00e9sultat.<\/p>\n<p>Autant de bonnes nouvelles qui n&rsquo;ont pas \u00e9chapp\u00e9 aux candidats \u00e0 la propri\u00e9t\u00e9. Loin en effet d&rsquo;\u00eatre effray\u00e9s par les niveaux de prix affich\u00e9s, les <strong>acheteurs <\/strong>s&rsquo;av\u00e8rent toujours <strong>aussi nombreux<\/strong> sur le march\u00e9. D&rsquo;autant plus que face \u00e0 la politique accommodante de la BCE et au passage en territoire n\u00e9gatif des OAT 10 ans, les banques devraient en effet th\u00e9oriquement continuer dans les mois \u00e0 venir \u00e0 pr\u00eater massivement de l&rsquo;argent aux particuliers<strong> \u00e0 des taux au moins \u00e9gaux<\/strong> \u00e0 ceux propos\u00e9s actuellement.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pour la premi\u00e8re fois, le seuil historique du million de ventes devrait \u00eatre atteint d\u2019ici la fin de l\u2019ann\u00e9e, soutenu\u00a0par le maintien des taux des cr\u00e9dits immobiliers \u00e0 des niveaux exceptionnels et historiquement bas. En cons\u00e9quence de quoi les prix ont suivi la m\u00eame logique haussi\u00e8re.<\/p>\n","protected":false},"author":4,"featured_media":2189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2188","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>Hausse du prix des logements. L&#039;immobilier est-il trop cher ?<\/title>\n<meta name=\"description\" content=\"Le million de ventes immobili\u00e8res devrait \u00eatre atteint d\u2019ici la fin de l\u2019ann\u00e9e gr\u00e2ce aux taux exceptionnellement bas. Les prix poursuivent leur hausse. 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