{"id":307,"date":"2014-10-06T19:47:41","date_gmt":"2014-10-06T17:47:41","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-immobilier-vrai-soutien-du-credit-en-aout-2014_-n.html"},"modified":"2020-07-28T15:33:13","modified_gmt":"2020-07-28T13:33:13","slug":"le-pret-immobilier-vrai-soutien-du-credit-en-aout-2014_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-immobilier-vrai-soutien-du-credit-en-aout-2014_-n.html","title":{"rendered":"Le pr\u00eat immobilier, vrai soutien du cr\u00e9dit en ao\u00fbt 2014"},"content":{"rendered":"

\nLe cr\u00e9dit immobilier est en bien meilleure forme que le cr\u00e9dit \u00e0 la consommation. <\/p>\n

Selon la Banque de France, en ao\u00fbt 2014, l’encours des pr\u00eats immobiliers a augment\u00e9 de 3% sur un an, \u00e0 828 milliards d’euros, alors que le total des cr\u00e9dits de tr\u00e9sorerie a baiss\u00e9<\/a> de 0,2%, \u00e0 143 milliards d’euros. En aout, 9,3 milliards de pr\u00eats \u00e0 l’habitat ont \u00e9t\u00e9 souscrits, seulement 3,8 milliards pour le cr\u00e9dit \u00e0 la consommation.<\/p>\n

Les courbes divergentes du cr\u00e9dit immobilier et du cr\u00e9dit conso s’expliquent en partie par les \u00e9volutions diff\u00e9rentes des taux d’int\u00e9r\u00eat sur ces 2 march\u00e9s. <\/p>\n

\u00ab Le taux d’int\u00e9r\u00eat moyen des cr\u00e9dits nouveaux \u00e0 l’habitat baisse, tant pour les cr\u00e9dits \u00e0 long terme \u00e0 taux fixe que pour les cr\u00e9dits \u00e0 court terme ou \u00e0 taux variable ; il augmente pour les cr\u00e9dits \u00e0 la consommation et les d\u00e9couverts \u00bb, pr\u00e9cise ainsi la Banque de France. <\/p>\n


\nLe taux moyen d’un cr\u00e9dit immobilier<\/span><\/a> d’une dur\u00e9e \u00e9gale ou sup\u00e9rieure \u00e0 1 an recule de 2,96% \u00e0 2,90%. Le taux moyen d’un pr\u00eat \u00e0 court terme ou \u00e0 taux variable passe lui de 2,67% \u00e0 2,63%. Inversement, les pr\u00eats amortissables voient leur taux augmenter de 0,09 point \u00e0 5,41%, les d\u00e9couverts enregistrant une hausse spectaculaire de 0,25 point, \u00e0 7,69%.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le cr\u00e9dit immobilier est en bien meilleure forme que le cr\u00e9dit \u00e0 la consommation. Selon la Banque de France, en ao\u00fbt 2014, l’encours des pr\u00eats immobiliers a […]<\/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-307","post","type-post","status-publish","format-standard","hentry","category-actualites"],"yoast_head":"\nLe pr\u00eat immobilier, vrai soutien du cr\u00e9dit en ao\u00fbt 2014 - 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\/le-pret-immobilier-vrai-soutien-du-credit-en-aout-2014_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le pr\u00eat immobilier, vrai soutien du cr\u00e9dit en ao\u00fbt 2014 - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Le cr\u00e9dit immobilier est en bien meilleure forme que le cr\u00e9dit \u00e0 la consommation. 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