{"id":254,"date":"2012-07-18T18:27:42","date_gmt":"2012-07-18T16:27:42","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html"},"modified":"2020-07-28T15:33:47","modified_gmt":"2020-07-28T13:33:47","slug":"que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html","title":{"rendered":"Que pr\u00e9sage la baisse du taux de la BCE pour le cr\u00e9dit immobilier ?"},"content":{"rendered":"

Le 5
\njuillet dernier, la Banque Centrale Europ\u00e9enne (BCE) baissait son taux
\ndirecteur de 1% \u00e0 0,75%, soit son niveau le plus bas depuis la cr\u00e9ation de la
\nmonnaie unique, et ce dans un contexte o\u00f9 les taux de cr\u00e9dit immobilier sont
\ninf\u00e9rieurs \u00e0 4%. L’initiative de la BCE cherche \u00e0 redynamiser l’\u00e9conomie de la
\nzone euro et permettre aux banques de se financer \u00e0 faible co\u00fbt. Cons\u00e9quence
\ndirecte sur les taux variables, ces derniers devraient diminuer dans les mois \u00e0
\nvenir. Bien que la d\u00e9cision de la BCE n’ait pas d’effet direct sur les taux
\nfixes, les banques pourraient choisir de les baisser pour r\u00e9duire l’\u00e9cart entre
\ntaux variables et taux fixes. De coutume, les taux variables sont inf\u00e9rieurs
\naux taux fixes, de 0.8 \u00e0 1.2%. Les taux d’int\u00e9r\u00eat ont atteint leurs plus bas
\nniveaux stimulant le pouvoir d’achat immobilier des futurs acqu\u00e9reurs qui s’est
\nam\u00e9lior\u00e9 en juillet. Dans de grandes villes comme Lille, Toulouse ou Nantes, il
\nest d\u00e9sormais possible d’obtenir un cr\u00e9dit immobilier dont le taux de ne
\nd\u00e9passe pas 3.35%.<\/span><\/p>\n

En
\nparall\u00e8le de la baisse des taux, le regain de la demande et les objectifs des
\nbanques devraient stimuler la production de cr\u00e9dit immobilier.<\/span><\/p>\n

Source : LesEchos.fr<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

La BCE a baiss\u00e9 son taux directeur de 1% \u00e0 0,75%. Dans ce contexte, les taux de cr\u00e9dit immobilier sont inf\u00e9rieurs \u00e0 4%!<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-254","post","type-post","status-publish","format-standard","hentry","category-actualites"],"yoast_head":"\nQue pr\u00e9sage la baisse du taux de la BCE pour le cr\u00e9dit immobilier ? - Ace Cr\u00e9dit<\/title>\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\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Que pr\u00e9sage la baisse du taux de la BCE pour le cr\u00e9dit immobilier ? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"La BCE a baiss\u00e9 son taux directeur de 1% \u00e0 0,75%. Dans ce contexte, les taux de cr\u00e9dit immobilier sont inf\u00e9rieurs \u00e0 4%!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2012-07-18T16:27:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:33:47+00:00\" \/>\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=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Que pr\u00e9sage la baisse du taux de la BCE pour le cr\u00e9dit immobilier ?\",\"datePublished\":\"2012-07-18T16:27:42+00:00\",\"dateModified\":\"2020-07-28T13:33:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html\"},\"wordCount\":224,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Que pr\u00e9sage la baisse du taux de la BCE pour le cr\u00e9dit immobilier ?\"}]},{\"@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":"Que pr\u00e9sage la baisse du taux de la BCE pour le cr\u00e9dit immobilier ? - Ace Cr\u00e9dit","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\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"Que pr\u00e9sage la baisse du taux de la BCE pour le cr\u00e9dit immobilier ? - Ace Cr\u00e9dit","og_description":"La BCE a baiss\u00e9 son taux directeur de 1% \u00e0 0,75%. Dans ce contexte, les taux de cr\u00e9dit immobilier sont inf\u00e9rieurs \u00e0 4%!","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2012-07-18T16:27:42+00:00","article_modified_time":"2020-07-28T13:33:47+00:00","author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Que pr\u00e9sage la baisse du taux de la BCE pour le cr\u00e9dit immobilier ?","datePublished":"2012-07-18T16:27:42+00:00","dateModified":"2020-07-28T13:33:47+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html"},"wordCount":224,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/que-presage-la-baisse-du-taux-de-la-bce-pour-le-credit-immobilier_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Que pr\u00e9sage la baisse du taux de la BCE pour le cr\u00e9dit immobilier ?"}]},{"@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\/254","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=254"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/254\/revisions"}],"predecessor-version":[{"id":4246,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/254\/revisions\/4246"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=254"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=254"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=254"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}