{"id":2286,"date":"2019-12-29T19:39:18","date_gmt":"2019-12-29T18:39:18","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/faut-il-rendre-obligatoire-la-regle-des-33-d-endettement_-n.html"},"modified":"2020-07-28T15:30:33","modified_gmt":"2020-07-28T13:30:33","slug":"faut-il-rendre-obligatoire-la-regle-des-33-d-endettement_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/faut-il-rendre-obligatoire-la-regle-des-33-d-endettement_-n.html","title":{"rendered":"Faut-il rendre obligatoire la r\u00e8gle \u00ab des 33% d\u2019endettement \u00bb ?"},"content":{"rendered":"<p>Une des pistes envisag\u00e9es par les autorit\u00e9s bancaires inqui\u00e8tes de l&#8217;emballement actuel du cr\u00e9dit immobilier est<strong> plafonner le taux d&rsquo;endettement \u00e0 33% <\/strong>et de graver ainsi dans le marbre une pratique largement usit\u00e9e et respect\u00e9e par l&rsquo;ensemble de la profession. Et oui\u2026, la plupart des Fran\u00e7ais emprunte d\u00e9j\u00e0 \u00e0 des taux inf\u00e9rieurs \u00e0 ce seuil maximal.<\/p>\n<h2>Une moyenne \u00e0 30%<\/h2>\n<p>Le<strong> taux d&rsquo;effort m\u00e9dian<\/strong> (la part des sommes consacr\u00e9es \u00e0 rembourser leur cr\u00e9dit immobilier dans le revenu net total des emprunteurs) avoisine les <strong>30%<\/strong>, selon les derniers chiffres publi\u00e9s par l&rsquo;Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution (ACPR), le gendarme bancaire fran\u00e7ais. Soit un taux d\u00e9j\u00e0 bien <strong>inf\u00e9rieur aux 33%<\/strong> envisag\u00e9s. Il est m\u00eame <strong>en baisse<\/strong> depuis juin dernier o\u00f9 le taux d&rsquo;endettement des Fran\u00e7ais \u00e9tait de 30,3% \u00e0 l&rsquo;\u00e9poque. Depuis 2011, il est rest\u00e9 tr\u00e8s stable, passant en huit ans, de 30,94% \u00e0 29,95%. Malgr\u00e9 les taux bas de ces derni\u00e8res ann\u00e9es, les banques sont toujours rest\u00e9es en effet <strong>tr\u00e8s vigilantes<\/strong> dans leur estimation du \u00ab reste \u00e0 vivre \u00bb des futurs emprunteurs afin de garantir la solvabilit\u00e9 de ces derniers.<\/p>\n<h2>Des d\u00e9passements rares et ma\u00eetris\u00e9s<\/h2>\n<div>Il arrive toutefois que ce seuil de 33% soit <strong>d\u00e9pass\u00e9<\/strong>. Ainsi, toujours selon l&rsquo;ACPR, ce taux est sup\u00e9rieur \u00e0 35% pour <strong>28,4% des emprunteurs<\/strong> immobiliers. Si l&rsquo;on en croit l&rsquo;autorit\u00e9 bancaire, ce sont les propri\u00e9taires de r\u00e9sidence principale et les investisseurs locatifs qui ont vu leur taux d&rsquo;endettement progresser le plus ces cinq derni\u00e8res ann\u00e9es: environ +6 points. Des profils qui, a priori, disposent de <strong>revenus \u00e9lev\u00e9s<\/strong>. Mais, comme le souligne la F\u00e9d\u00e9ration bancaire fran\u00e7aise, \u00ab <em>le taux d&rsquo;effort s&rsquo;analyse au cas par cas, en fonction de la situation individuelle de l&#8217;emprunteur<\/em> \u00bb.<\/p>\n<p>En ce qui concerne les <strong>primo-acc\u00e9dants<\/strong> (qui ach\u00e8tent un logement pour la premi\u00e8re fois), la cible privil\u00e9gi\u00e9e des banques pour les cr\u00e9dits immobiliers, ils empruntent \u00e9galement avec un taux d&rsquo;effort m\u00e9dian inf\u00e9rieur \u00e0 33%, \u00e0 <strong>30,07% exactement<\/strong>. Ce sont les plus nombreux \u00e0 avoir un endettement compris entre 20 et 30% (42% contre 35% pour les propri\u00e9taires de r\u00e9sidence principale et 25% pour les investisseurs locatifs) et les moins nombreux \u00e0 avoir un endettement sup\u00e9rieur \u00e0 35% (18,8% contre 29,6% pour les propri\u00e9taires de r\u00e9sidence principale et 33,95% pour les investisseurs).<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Une des pistes envisag\u00e9es par les autorit\u00e9s bancaires inqui\u00e8tes de l\u2019emballement actuel du cr\u00e9dit immobilier est plafonner le taux d\u2019endettement \u00e0 33%, ent\u00e9rinant une pratique largement usit\u00e9e par l\u2019ensemble de la profession.<\/p>\n","protected":false},"author":4,"featured_media":2287,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2286","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>Est il n\u00e9cessaire de plafonner l\u00e9galement le taux d&#039;endettement \u00e0 33% des revenus pour un cr\u00e9dit immobilier ?<\/title>\n<meta name=\"description\" content=\"Une pistes envisag\u00e9e pour r\u00e9duite l\u2019emballement actuel du cr\u00e9dit immobilier : plafonner le taux d\u2019endettement \u00e0 33%.\" \/>\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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