{"id":328,"date":"2014-11-17T19:24:05","date_gmt":"2014-11-17T18:24:05","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-l-immobilier-ancien-profite-de-la-faiblesse-des-taux-de-credit_-n.html"},"modified":"2020-07-28T15:33:12","modified_gmt":"2020-07-28T13:33:12","slug":"pret-immobilier-l-immobilier-ancien-profite-de-la-faiblesse-des-taux-de-credit_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-l-immobilier-ancien-profite-de-la-faiblesse-des-taux-de-credit_-n.html","title":{"rendered":"Pr\u00eat immobilier : l’immobilier ancien profite de la faiblesse des taux de cr\u00e9dit."},"content":{"rendered":"

Une nouvelle fois, les taux d’int\u00e9r\u00eat des emprunts immobiliers ont baiss\u00e9 en octobre. Concr\u00e8tement, de quelle mani\u00e8re cela impacte-t-il les acqu\u00e9reurs ?<\/p>\n

La derni\u00e8re mise \u00e0 jour du Tableau de bord de l’Observatoire Cr\u00e9dit Logement\/CSA<\/a> nous indique qu’en octobre, les taux d’int\u00e9r\u00eat des cr\u00e9dits immobiliers \u00e9taient en moyenne de 2,50 %. Les acqu\u00e9reurs ne s’y trompent pas puisque qu’au mois d’octobre on constate une augmentation sensible de la reprise du nombre de pr\u00eats immobiliers accord\u00e9s. <\/p>\n

Depuis janvier 2014, les taux d’int\u00e9r\u00eat ont perdu 58 points de base<\/a>. L’Observatoire Cr\u00e9dit Logement\/CSA a compar\u00e9 cette tendance baissi\u00e8re \u00e0 l’\u00e9volution du prix de l’immobilier. Ainsi, dans l’ancien, la baisse des taux enregistr\u00e9e depuis fin 2011 \u00e9quivaut \u00e0 une diminution de\u0085 13 % des prix ! Les taux d’int\u00e9r\u00eat baissant, le pouvoir d’achat augmente.<\/p>\n

Mais les acqu\u00e9reurs ne profitent pas tous de la m\u00eame mani\u00e8re des taux de cr\u00e9dits bas. Par exemple, les taux sont plus faibles pour ceux qui se portent acqu\u00e9reurs d’un logement ancien : 2,49 % contre 2,56 % pour un logement neuf. <\/p>\n

L’acquisition d’un logement neuf rev\u00eat pour la banque un risque plus important que pour un logement ancien. Pourquoi ? Tout simplement parce que le bien immobilier qui sert de garantie au cr\u00e9dit n’est pas encore construit. Ainsi le risque \u00e9tant plus \u00e9lev\u00e9, le taux d’int\u00e9r\u00eat l’est \u00e9galement. <\/p>\n","protected":false},"excerpt":{"rendered":"

Une nouvelle fois, les taux d’int\u00e9r\u00eat des emprunts immobiliers ont baiss\u00e9 en octobre. Concr\u00e8tement, de quelle mani\u00e8re cela impacte-t-il les acqu\u00e9reurs ? La derni\u00e8re mise \u00e0 jour […]<\/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-328","post","type-post","status-publish","format-standard","hentry","category-actualites"],"yoast_head":"\nPr\u00eat immobilier : l'immobilier ancien profite de la faiblesse des taux de cr\u00e9dit. - 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\/pret-immobilier-l-immobilier-ancien-profite-de-la-faiblesse-des-taux-de-credit_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00eat immobilier : l'immobilier ancien profite de la faiblesse des taux de cr\u00e9dit. - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Une nouvelle fois, les taux d’int\u00e9r\u00eat des emprunts immobiliers ont baiss\u00e9 en octobre. 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