{"id":2268,"date":"2019-12-05T22:34:21","date_gmt":"2019-12-05T21:34:21","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-baisse-des-taux-immobiliers-est-repartie-en-novembre_-n.html"},"modified":"2020-07-28T15:30:33","modified_gmt":"2020-07-28T13:30:33","slug":"la-baisse-des-taux-immobiliers-est-repartie-en-novembre_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-baisse-des-taux-immobiliers-est-repartie-en-novembre_-n.html","title":{"rendered":"La baisse des taux immobiliers est repartie en novembre"},"content":{"rendered":"<p><span><span><span><span><span><span><span><span><span><span><span>La l\u00e9g\u00e8re remont\u00e9e des taux en septembre a d\u00e9cid\u00e9ment fait long feu. \u00c0 1.12 % en novembre contre 1.13% le mois dernier, le&nbsp;taux moyen&nbsp;des cr\u00e9dits immobiliers affiche un score plancher record.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h2><span><span><span><span><span><span><span><span><span><span><span><b>Partie pour durer ?<\/b><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<div><span><span><span><span><span><span><span><span><span><span><span><span>Le taux d&rsquo;int\u00e9r\u00eat moyen des cr\u00e9dits immobiliers est tomb\u00e9 en novembre \u00e0 un <strong>niveau jamais vu<\/strong>, apr\u00e8s avoir d\u00e9j\u00e0 multipli\u00e9 les records cette ann\u00e9e. A <strong>1,12% en moyenne (hors assurance)<\/strong>, les taux des cr\u00e9dits immobiliers accord\u00e9s par les banques ont encore l\u00e9g\u00e8rement baiss\u00e9 en novembre pour tomber \u00e0 un chiffre historiquement bas, indique dans un communiqu\u00e9 l&rsquo;observatoire Cr\u00e9dit Logement\/CSA<\/a>. Pour rappel, le taux moyen \u00e9tait d\u00e9j\u00e0 \u00e0 seulement 1,13% en octobre.<\/p>\n<p>De plus, c&rsquo;est une <strong>baisse g\u00e9n\u00e9rale<\/strong> qui se constate sur<strong> toutes les dur\u00e9es.<\/strong> En effet, le taux moyen sur 15 ans ressort \u00e0 0,87% en novembre contre 0,9% en octobre, celui sur 20 ans \u00e0 1,04% en novembre contre 1,05% en octobre et celui sur 25 ans \u00e0 1,30% en novembre contre 1,32% en novembre. Et pour le 18<sup>\u00e8me<\/sup> mois cons\u00e9cutif, ces moyennes restent toujours inf\u00e9rieures au rythme annuel de l&rsquo;inflation ! Toutes dur\u00e9es confondues, plus de la <strong>moiti\u00e9 des emprunteurs<\/strong> se sont vus accorder un cr\u00e9dit \u00e0 un taux <strong>inf\u00e9rieur \u00e0 1 %<\/strong>. La surabondance des ressources disponibles pour financer l&rsquo;\u00e9conomie voulue par les autorit\u00e9s mon\u00e9taires europ\u00e9ennes (BCE) alimente en effet la concurrence entre les banques. Cependant, depuis la fin de l&rsquo;\u00e9t\u00e9, les taux des cr\u00e9dits immobiliers ne reculent plus que doucement, apr\u00e8s plus de six mois de baisse assez rapide.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/div>\n<h2>Lente diminution des pr\u00eats les plus longs et les plus courts<\/h2>\n<div><span><span><span><span><span><span><span><span><span><span><span><span>Au niveau particuli\u00e8rement bas des taux s&rsquo;ajoute celui, d\u00e9sormais historiquement long, des <strong>d\u00e9lais de remboursement <\/strong>octroy\u00e9s par les banques. Etabli \u00e0 <strong>230 mois,<\/strong> soit un peu plus de 19 ans, le d\u00e9lai moyen a encore <strong>un peu augment\u00e9<\/strong> en novembre. Depuis le d\u00e9but de l&rsquo;ann\u00e9e, les dur\u00e9es des pr\u00eats bancaires sont rest\u00e9es \u00e0 peu pr\u00e8s stables mais \u00ab <em>\u00e0 un niveau jamais observ\u00e9 par le pass\u00e9<\/em> \u00bb, rappelle l&rsquo;observatoire.<\/p>\n<p>Depuis le printemps 2019, la part des cr\u00e9dits longue dur\u00e9e, 25 ans ou plus, diminue. Ainsi, au deuxi\u00e8me trimestre 2019, ils repr\u00e9sentaient 40,9% de la production de cr\u00e9dit contre 40,6% au troisi\u00e8me trimestre et 40,3% en novembre. M\u00eame situation pour les cr\u00e9dits de courte dur\u00e9e, 15 ans ou moins, qui repr\u00e9sentaient 10,5% de l&rsquo;ensemble des cr\u00e9dits au troisi\u00e8me trimestre. Ils sont pass\u00e9s sous la barre des 10% en novembre puisqu&rsquo;ils ne repr\u00e9sentent plus que 9,7%, soit quasiment le m\u00eame niveau qu&rsquo;au deuxi\u00e8me trimestre 2019 (9,6%). Dit autrement, les pr\u00eats accord\u00e9s se concentrent un peu plus sur des <strong>dur\u00e9es \u00ab\u00a0moyennes\u00a0\u00bb, comprises entre 15 et 25 ans.<\/strong><\/p>\n<p>\u00c0 bien des \u00e9gards, l&rsquo;ann\u00e9e 2019 peut d\u00e9j\u00e0 \u00eatre qualifi\u00e9e <strong>d&rsquo;exceptionnelle <\/strong>en mati\u00e8re de cr\u00e9dit immobilier. Les taux extr\u00eamement bas, mais \u00e9galement l&rsquo;allongement de la dur\u00e9e des pr\u00eats et le gel de la plupart des frais de dossier ont profit\u00e9 \u00e0 tous les emprunteurs et notamment aux primo-acc\u00e9dants tout comme aux seniors et aux m\u00e9nages modestes.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/div>\n","protected":false},"excerpt":{"rendered":"<p>La l\u00e9g\u00e8re remont\u00e9e des taux en septembre a d\u00e9cid\u00e9ment fait long feu. \u00c0 1.12 % en novembre contre 1.13% le mois dernier, le taux moyen des cr\u00e9dits immobiliers affiche un score plancher record.<\/p>\n","protected":false},"author":4,"featured_media":2269,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2268","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 immobiliers baissent encore en novembre 2019, record battu<\/title>\n<meta name=\"description\" content=\"Avec une moyenne de 1.12 % toutes dur\u00e9es confondues, les taux des cr\u00e9dits immobiliers affichent des records.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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