{"id":2907,"date":"2020-02-05T16:53:00","date_gmt":"2020-02-05T15:53:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/?post_type=taux&#038;p=2907"},"modified":"2023-07-11T10:28:58","modified_gmt":"2023-07-11T08:28:58","slug":"taux-immobilier-fevrier-2020","status":"publish","type":"taux","link":"https:\/\/www.acecredit.fr\/fr\/taux-immobilier-fevrier-2020.html","title":{"rendered":"Taux immobilier f\u00e9vrier 2020"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le mois de f\u00e9vrier d\u00e9marre sur des <a href=\"\/fr\/barometres-taux.html\">taux de cr\u00e9dit immobilier<\/a> \u00e0 l&rsquo;\u00e9quilibre par rapport \u00e0 janvier. Tout au plus observe-t-on quelques mouvements qui ne bousculent en rien la tendance de ce d\u00e9but d&rsquo;ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le d\u00e9tail, on observe que les taux mini, ceux r\u00e9serv\u00e9s aux meilleurs profils, sont d&rsquo;une grande stabilit\u00e9 par rapport au mois dernier. Pas le moindre mouvement, \u00e0 l&rsquo;exception d&rsquo;une <strong>tr\u00e8s l\u00e9g\u00e8re hausse de 5 centimes<\/strong> concernant les emprunts sur 25 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Du c\u00f4t\u00e9 des taux du march\u00e9, valables pour tout profil d&#8217;emprunteur, les mouvements de taux sont rares. On rel\u00e8ve ainsi que le taux sur 20 ans est en l\u00e9g\u00e8re hausse de 5 centimes, et que celui sur 30 ans est en baisse, de 5 centimes \u00e9galement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous l&rsquo;aurez compris, <strong>ces l\u00e9g\u00e8res variations n\u2019entachent en rien les excellentes conditions d&#8217;emprunt<\/strong>, une bonne nouvelle pour tous ceux qui ont un projet \u00e0 concr\u00e9tiser\u00a0: si les meilleurs dossiers peuvent emprunter d\u00e8s 0,80% sur 20 ans, le taux du march\u00e9 affiche seulement 1,20% sur la m\u00eame dur\u00e9e\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, les l\u00e9g\u00e8res hausses de taux que nous avons pu constater \u00e0 la toute fin 2019 ainsi qu&rsquo;au mois de janvier ne refl\u00e8tent donc que des ajustements de march\u00e9, et non une tendance durable. Des ajustements qui ont permis aux banques tr\u00e8s bien plac\u00e9es d&rsquo;homog\u00e9n\u00e9iser leurs taux par rapport \u00e0 la concurrence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A noter toutefois, les recommandations du Haut Conseil de&nbsp;Stabilit\u00e9 Financi\u00e8re, qui restreignent quelque peu l&rsquo;acc\u00e8s au cr\u00e9dit. Les banques sont ainsi encourag\u00e9es \u00e0 <strong>ne plus proposer de pr\u00eat immobilier dont la dur\u00e9e exc\u00e8de 25 ans<\/strong>, et \u00e0 ne pas d\u00e9passer le taux d&rsquo;endettement de 33%. Ce qui implique par ailleurs que l&rsquo;apport personnel est d\u00e9sormais vivement conseill\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La <a href=\"\/fr\/role-courtier-financement-immobilier.html\"><strong>valeur ajout\u00e9e du courtier<\/strong><\/a> dans ce contexte est alors d&rsquo;obtenir pour ses clients le cr\u00e9dit immobilier sur-mesure en fonction de leur projet et de leur profil.<\/p>\n","protected":false},"author":4,"menu_order":0,"template":"","taux_cat":[13],"class_list":["post-2907","taux","type-taux","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Taux immobilier f\u00e9vrier 2020 - Ace Cr\u00e9dit courtier en pr\u00eat immobilier<\/title>\n<meta name=\"description\" content=\"Les taux de cr\u00e9dit immobilier pratiqu\u00e9s en f\u00e9vrier 2020. Barom\u00e8tre des taux de pr\u00eat sur toutes les dur\u00e9es par le courtier Ace Cr\u00e9dit.\" \/>\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\/taux-immobilier-fevrier-2020.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Taux immobilier f\u00e9vrier 2020 - Ace Cr\u00e9dit courtier en pr\u00eat immobilier\" \/>\n<meta property=\"og:description\" content=\"Les taux de cr\u00e9dit immobilier pratiqu\u00e9s en f\u00e9vrier 2020. 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