{"id":2284,"date":"2019-12-22T23:46:16","date_gmt":"2019-12-22T22:46:16","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-bercy-joue-la-carte-de-la-prudence_-n.html"},"modified":"2020-07-28T15:30:33","modified_gmt":"2020-07-28T13:30:33","slug":"credit-immobilier-bercy-joue-la-carte-de-la-prudence_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-bercy-joue-la-carte-de-la-prudence_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : Bercy joue la carte de la prudence"},"content":{"rendered":"<p><span><span><span><span><span><span><span><span><span><span><span><span><span>Inquiet de l&rsquo;endettement des Fran\u00e7ais en mati\u00e8re d&rsquo;immobilier, le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) pr\u00e9sid\u00e9&nbsp;par Bruno Le Maire, ministre de l&rsquo;\u00c9conomie et des finances, avait organis\u00e9 en novembre une consultation publique avec l&rsquo;ensemble des parties prenantes du secteur immobilier pour les particuliers- banques, courtiers, promoteurs et consommateurs.<\/span><\/span><\/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><span><span><b>Stop aux pr\u00eats tr\u00e8s longue dur\u00e9e<\/b><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/h2>\n<p><span><span>Cette autorit\u00e9 financi\u00e8re ne souhaite pas pour le moment \u00e9mettre des mesures restrictives mais <strong>recommande <\/strong>fortement aux banques de <strong>ne pas octroyer de cr\u00e9dit immobilier sur plus de 25 ans<\/strong>. Au dernier trimestre, 40,6% de la production de cr\u00e9dits concernait des pr\u00eats \u00e0 25 ans ou plus,&nbsp;<span>selon les donn\u00e9es de l&rsquo;observatoire Cr\u00e9dit Logement CSA. La part des pr\u00eats \u00e0 l&rsquo;accession \u00e0 la propri\u00e9t\u00e9 de 25 \u00e0 30 ans a en effet quasi <strong>tripl\u00e9 <\/strong>depuis 2014, passant de 14,4% \u00e0 39,7% de la production totale de cr\u00e9dits immobiliers, selon l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA. Une derni\u00e8re statistique est \u00e0 prendre en consid\u00e9ration : <strong>depuis six ans<\/strong>, la dur\u00e9e des cr\u00e9dits immobiliers a grimp\u00e9 de 29 mois, soit presque 2 ans et demi, passant de<strong> 16,6 ans \u00e0 19,1 ans<\/strong>. Du jamais vu !&nbsp;<\/span><\/span><\/span><\/p>\n<h2><span><span><b><span>S&rsquo;endetter \u00e0 33% maximum<\/b><\/span><\/span><\/span><\/h2>\n<div><span><span><span><span><span><span><span><span><span><span><span><span>L&rsquo;autre \u00e9l\u00e9ment scrut\u00e9 attentivement par le HCSF concerne le<strong> taux d&rsquo;endettement,<\/strong> c&rsquo;est \u00e0 dire la part que repr\u00e9sente la mensualit\u00e9 du pr\u00eat dans le revenu global de l&#8217;emprunteur. Le HCSF demande ainsi aux banques de ne pas accepter de dossiers dans lesquels les remboursements repr\u00e9senteraient plus de 33% des revenus du m\u00e9nage. Le Haut Conseil rappelle qu&rsquo;aujourd&rsquo;hui <strong>28% de la production de cr\u00e9dits affiche des taux d&rsquo;effort sup\u00e9rieur \u00e0 35%<\/strong>.<\/p>\n<p>\u00ab\u00a0<em>Nous avons pris aujourd&rsquo;hui (&#8230;) des mesures de sagesse et de pr\u00e9vention<\/em>\u00ab\u00a0, a d\u00e9clar\u00e9 Fran\u00e7ois Villeroy de Galhau, gouverneur de la Banque de France, dans un communiqu\u00e9 transmis \u00e0 l&rsquo;AFP. \u00ab\u00a0<em>Elles vont prot\u00e9ger les m\u00e9nages fran\u00e7ais des risques d&rsquo;un endettement excessif d\u00fb \u00e0 leur emprunt immobilier, tout en pr\u00e9servant leurs capacit\u00e9s d&rsquo;accession \u00e0 la propri\u00e9t\u00e9<\/em>.\u00a0\u00bb Ce \u00e0 quoi les banques r\u00e9pondent qu&rsquo;elles pratiquent un \u00ab&nbsp;<i>cr\u00e9dit responsable&nbsp;<\/i>\u00bb. \u00ab&nbsp;<i>Nous pr\u00eatons selon des capacit\u00e9s de remboursement raisonnables et dans un souci de protection de&nbsp;nos clients&nbsp;<\/i>\u00bb, assure la F\u00e9d\u00e9ration bancaire fran\u00e7aise dans le Figaro Immobilier.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) recommande tr\u00e8s fortement aux banques de respecter le taux d&rsquo;endettement \u00e0 3% et de ne plus accorder de pr\u00eats tr\u00e8s longue dur\u00e9e.<\/p>\n","protected":false},"author":4,"featured_media":2285,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2284","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>Bercy souhaite calmer le jeu du cr\u00e9dit 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