{"id":2196,"date":"2019-09-12T21:43:04","date_gmt":"2019-09-12T19:43:04","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html"},"modified":"2020-07-28T15:30:37","modified_gmt":"2020-07-28T13:30:37","slug":"credit-immobilier-les-taux-continuent-toujours-de-baisser_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : les taux continuent toujours de baisser"},"content":{"rendered":"<p>Cet \u00e9t\u00e9, les conditions d&rsquo;acc\u00e8s au cr\u00e9dit immobilier sont rest\u00e9es <strong>exceptionnelles <\/strong>pour les emprunteurs, avec un taux moyen descendu au <strong>niveau record de 1.17%<\/strong>. Le nombre de cr\u00e9dits accord\u00e9s a cependant baiss\u00e9.<\/p>\n<h2>Des taux inf\u00e9rieurs \u00e0 1 % !<\/h2>\n<div>Nouveau record \u00e0 la baisse, le <strong>quatri\u00e8me d&rsquo;affil\u00e9<\/strong>, pour les taux de cr\u00e9dit immobilier, soit 1,17% en moyenne en ao\u00fbt. \u00ab\u00a0<em>Les taux des cr\u00e9dits immobiliers baissent encore et pour le 15\u00e8me mois cons\u00e9cutif, ils s&rsquo;\u00e9tablissent sous le rythme annuel de l&rsquo;inflation<\/em>\u00ab\u00a0, r\u00e9v\u00e8le l&rsquo;observatoire Cr\u00e9dit Logement\/CSA<\/a> dans son communiqu\u00e9 relatif aux chiffres du mois d&rsquo;ao\u00fbt. Dans le d\u00e9tail, le taux moyen \u00e0 <strong>15 ans ressort \u00e0 0,96%<\/strong>, \u00e0 20 ans \u00e0 1,13% et \u00e0 25 ans \u00e0 1,34% (hors assurance). Mais certains pr\u00eats peuvent \u00eatre n\u00e9goci\u00e9s \u00e0 moins de 1% sur 25 ans d&rsquo;apr\u00e8s le barom\u00e8tre acecr\u00e9dit<\/a> ! Impensable il y a peu de temps en arri\u00e8re. Les taux des cr\u00e9dits immobiliers sont <strong>cinq fois moins \u00e9lev\u00e9s qu&rsquo;au d\u00e9but des ann\u00e9es 2000<\/strong>\u2026 Et m\u00eame douze fois moins \u00e9lev\u00e9s qu&rsquo;\u00e0 la fin des ann\u00e9es 80 !<\/p>\n<p>Avec un taux moyen de 1,23% pour le neuf et de 1,19% dans l&rsquo;ancien, cette baisse continue des taux de cr\u00e9dits immobiliers cache n\u00e9anmoins un <strong>allongement de la dur\u00e9e d&#8217;emprunt<\/strong> pour les m\u00e9nages les plus modestes. Pour 42.5 % des pr\u00eats, le remboursement va s&rsquo;\u00e9chelonner sur <strong>25 ans et plus<\/strong> (73 % \u00e0 20 ans et plus). Pourtant, ce mois d&rsquo;ao\u00fbt a marqu\u00e9 une <strong>stabilisation <\/strong>de cette p\u00e9riode d&rsquo;endettement qui s&rsquo;\u00e9l\u00e8ve \u00e0 <strong>19 ans en moyenne<\/strong> et qui &nbsp;reste toujours sur des dur\u00e9es tr\u00e8s longues jamais observ\u00e9es par le pass\u00e9.<\/div>\n<h2>Valeur des pr\u00eats en hausse, mais volume en recul<\/h2>\n<p>Depuis la fin du printemps dernier, les taux d&rsquo;apport personnel se stabilisent aussi, enrayant ainsi le mouvement d&rsquo;expansion du march\u00e9 qui pr\u00e9valait jusqu&rsquo;alors. En cons\u00e9quence, le march\u00e9 des cr\u00e9dits est devenu <strong>moins actif<\/strong>. Ainsi en ao\u00fbt 2019, la production n&rsquo;a que faiblement progress\u00e9 et uniquement en raison de l&rsquo;accroissement du niveau moyen du montant des pr\u00eats accord\u00e9s, li\u00e9 \u00e0 la hausse des prix. Le <strong>nombre de pr\u00eats a recul\u00e9<\/strong> de mani\u00e8re sensible (- 5.5 % contre + 1.4 % il y a un an \u00e0 la m\u00eame \u00e9poque). Le march\u00e9 du neuf constate nettement ce recul (- 4.2 %), alors que le march\u00e9 de l&rsquo;ancien continue de b\u00e9n\u00e9ficier encore de l&rsquo;impact positif de l&rsquo;am\u00e9lioration de l&rsquo;offre bancaire (+ 6.9%).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cet \u00e9t\u00e9, les conditions d&rsquo;acc\u00e8s au cr\u00e9dit immobilier sont rest\u00e9es exceptionnelles pour les emprunteurs, avec un taux moyen descendu au niveau record de 1.17%. Le nombre de cr\u00e9dits accord\u00e9s a cependant baiss\u00e9.<\/p>\n","protected":false},"author":4,"featured_media":2197,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2196","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>Baisse des taux immobiliers, toujours plus bas. Moins de 1% sur 25 ans<\/title>\n<meta name=\"description\" content=\"Cet \u00e9t\u00e9, le taux moyen est descendu au niveau record de 1.17%. ! Le nombre de cr\u00e9dits accord\u00e9s a cependant baiss\u00e9.\" \/>\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-les-taux-continuent-toujours-de-baisser_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Baisse des taux immobiliers, toujours plus bas. Moins de 1% sur 25 ans\" \/>\n<meta property=\"og:description\" content=\"Cet \u00e9t\u00e9, le taux moyen est descendu au niveau record de 1.17%. ! Le nombre de cr\u00e9dits accord\u00e9s a cependant baiss\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-12T19:43:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:30:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/smilies-2495036-640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"426\" \/>\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 name=\"twitter:data1\" content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Cr\u00e9dit immobilier : les taux continuent toujours de baisser\",\"datePublished\":\"2019-09-12T19:43:04+00:00\",\"dateModified\":\"2020-07-28T13:30:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html\"},\"wordCount\":410,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/smilies-2495036-640.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/smilies-2495036-640.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/smilies-2495036-640.jpg\",\"width\":640,\"height\":426},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit immobilier : les taux continuent toujours de baisser\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Baisse des taux immobiliers, toujours plus bas. Moins de 1% sur 25 ans","description":"Cet \u00e9t\u00e9, le taux moyen est descendu au niveau record de 1.17%. ! Le nombre de cr\u00e9dits accord\u00e9s a cependant baiss\u00e9.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"Baisse des taux immobiliers, toujours plus bas. Moins de 1% sur 25 ans","og_description":"Cet \u00e9t\u00e9, le taux moyen est descendu au niveau record de 1.17%. ! Le nombre de cr\u00e9dits accord\u00e9s a cependant baiss\u00e9.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2019-09-12T19:43:04+00:00","article_modified_time":"2020-07-28T13:30:37+00:00","og_image":[{"width":640,"height":426,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/smilies-2495036-640.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Cr\u00e9dit immobilier : les taux continuent toujours de baisser","datePublished":"2019-09-12T19:43:04+00:00","dateModified":"2020-07-28T13:30:37+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html"},"wordCount":410,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/smilies-2495036-640.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/smilies-2495036-640.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/smilies-2495036-640.jpg","width":640,"height":426},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-taux-continuent-toujours-de-baisser_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dit immobilier : les taux continuent toujours de baisser"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/2196","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=2196"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/2196\/revisions"}],"predecessor-version":[{"id":3403,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/2196\/revisions\/3403"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/2197"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=2196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=2196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=2196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}