{"id":288,"date":"2014-09-09T12:12:41","date_gmt":"2014-09-09T10:12:41","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-la-baisse-des-taux-continue_-n.html"},"modified":"2020-07-28T15:33:15","modified_gmt":"2020-07-28T13:33:15","slug":"credit-immobilier-la-baisse-des-taux-continue_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-la-baisse-des-taux-continue_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : la baisse des taux continue\u0085"},"content":{"rendered":"

Selon l’Observatoire Cr\u00e9dit Logement\/CSA<\/a>, la moyenne des taux d’int\u00e9r\u00eat de pr\u00eat accord\u00e9s en ao\u00fbt aux emprunteurs a \u00e9t\u00e9 de 2,68 %.
\n97 % des cr\u00e9dits ont \u00e9t\u00e9 accord\u00e9s \u00e0 un taux inf\u00e9rieur \u00e0 3,5 %, contre un peu plus de 85 % sur la totalit\u00e9 de l’ann\u00e9e 2013.<\/p>\n

L’Observatoire pr\u00e9cise : \u00ab\u00a0Depuis le d\u00e9but de l’ann\u00e9e 2014, les taux ont perdu 40 points de base. Pour autant, la baisse s’est ralentie, sur un march\u00e9 tr\u00e8s tranquille durant cette p\u00e9riode estivale\u00a0\u00bb.
\nOn peut noter que cette baisse des taux de cr\u00e9dit immobilier est sensible sur tous les march\u00e9s :<\/p>\n

Sur le march\u00e9 du neuf, le taux moyen \u00e9tait de 2.69% en ao\u00fbt contre 3.08 % en d\u00e9cembre 2013, celui du march\u00e9 de l’ancien \u00e9tait de 2.67% en ao\u00fbt contre 3.08 % en d\u00e9cembre 2013?et enfin celui du march\u00e9 des travaux \u00e9tait 2.72% en ao\u00fbt contre 3.12 % en d\u00e9cembre 2013<\/p>\n

La BCE<\/a> venant d’abaisser \u00e0 nouveau son taux directeur \u00e0 0,05 %, un niveau in\u00e9dit, on peut en d\u00e9duire de nouvelles baisses \u00e0 venir des taux d’int\u00e9r\u00eat.<\/p>\n

Apr\u00e8s une ann\u00e9e 2013 tr\u00e8s dynamique, en partie port\u00e9e par la ren\u00e9gociation de cr\u00e9dit, la demande de pr\u00eat a nettement fl\u00e9chi durant le premier semestre 2014. <\/p>\n

On peut donc raisonnablement penser que les banques, dans la perspective de l’atteinte de leurs objectifs de fin d’ann\u00e9e, seront ouvertes \u00e0 des n\u00e9gociations particuli\u00e8rement favorables aux emprunteurs. <\/p>\n","protected":false},"excerpt":{"rendered":"

Selon l’Observatoire Cr\u00e9dit Logement\/CSA, la moyenne des taux d’int\u00e9r\u00eat de pr\u00eat accord\u00e9s en ao\u00fbt aux emprunteurs a \u00e9t\u00e9 de 2,68 %.<\/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-288","post","type-post","status-publish","format-standard","hentry","category-actualites"],"yoast_head":"\nCr\u00e9dit immobilier : la baisse des taux continue\u0085 - 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\/credit-immobilier-la-baisse-des-taux-continue_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : la baisse des taux continue\u0085 - 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