{"id":345,"date":"2014-12-15T19:18:15","date_gmt":"2014-12-15T18:18:15","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-une-capacite-d-emprunt-en-hausse-de-17-depuis-2012_-n.html"},"modified":"2020-07-28T15:33:11","modified_gmt":"2020-07-28T13:33:11","slug":"credit-immobilier-une-capacite-d-emprunt-en-hausse-de-17-depuis-2012_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-une-capacite-d-emprunt-en-hausse-de-17-depuis-2012_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : une capacit\u00e9 d’emprunt en hausse de 17% depuis 2012"},"content":{"rendered":"

\nUne des cons\u00e9quences m\u00e9caniques de la chute des taux de cr\u00e9dit immobilier est l’augmentation sensible du pouvoir d’achat des emprunteurs. Il aurait ainsi progress\u00e9 de 17% entre janvier 2012 et d\u00e9cembre 2014.<\/p>\n

Les taux des cr\u00e9dits immobiliers ont poursuivi leur baisse en novembre 2014. Selon Ace Cr\u00e9dit<\/a>, ils seraient m\u00eame d\u00e9but d\u00e9cembre en moyenne de 1.90% sur 10 ans, 2,20% sur 15 ans, 2,40% sur 20 ans et 2,83% sur 25 ans. <\/p>\n

La principale cons\u00e9quence de cette faiblesse des taux pour les emprunteurs est l’am\u00e9lioration sensible de leur pouvoir d’achat. <\/p>\n

Ils ont aujourd’hui une capacit\u00e9 d’emprunt<\/a> de 17% sup\u00e9rieure \u00e0 celle qu’ils avaient en janvier 2012. Si l’on prend l’exemple d’un candidat \u00e0 l’acquisition d’un bien immobilier \u00e0 Nantes, avec des prix de vente ayant pas mal baiss\u00e9, et l’augmentation de son pouvoir d’achat d\u00fb \u00e0 la baisse des taux d’emprunt, cet acqu\u00e9reur pourra acheter en d\u00e9cembre 2014 un bien d’environ 22m2 plus grand qu’en 2012. <\/p>\n

En effet, pour un pr\u00eat souscrit sur 20 ans avec des mensualit\u00e9s de remboursement fix\u00e9es \u00e0 1.000 euros, notre candidat \u00e0 l’acquisition d’un bien immobilier pouvait emprunter en janvier 2012 environ 164.000 euros \u00e0 un taux de 4,05% (hors assurance). <\/p>\n

Aujourd’hui avec un taux aux alentours de 2,30%, il pourrait emprunter 28.000 euros de plus\u0085 La d\u00e9monstration est faite ! Il est largement temps de profiter de ce pouvoir d’achat exceptionnellement haut en mati\u00e8re de cr\u00e9dit immobilier.<\/p>\n","protected":false},"excerpt":{"rendered":"

Une des cons\u00e9quences m\u00e9caniques de la chute des taux de cr\u00e9dit immobilier est l’augmentation sensible du pouvoir d’achat des emprunteurs. Il aurait ainsi progress\u00e9 de 17% entre […]<\/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-345","post","type-post","status-publish","format-standard","hentry","category-actualites"],"yoast_head":"\nCr\u00e9dit immobilier : une capacit\u00e9 d'emprunt en hausse de 17% depuis 2012 - 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-une-capacite-d-emprunt-en-hausse-de-17-depuis-2012_-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 : une capacit\u00e9 d'emprunt en hausse de 17% depuis 2012 - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Une des cons\u00e9quences m\u00e9caniques de la chute des taux de cr\u00e9dit immobilier est l’augmentation sensible du pouvoir d’achat des emprunteurs. Il aurait ainsi progress\u00e9 de 17% entre […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-une-capacite-d-emprunt-en-hausse-de-17-depuis-2012_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2014-12-15T18:18:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:33:11+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\\\/credit-immobilier-une-capacite-d-emprunt-en-hausse-de-17-depuis-2012_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-une-capacite-d-emprunt-en-hausse-de-17-depuis-2012_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Cr\u00e9dit immobilier : une capacit\u00e9 d’emprunt en hausse de 17% depuis 2012\",\"datePublished\":\"2014-12-15T18:18:15+00:00\",\"dateModified\":\"2020-07-28T13:33:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-une-capacite-d-emprunt-en-hausse-de-17-depuis-2012_-n.html\"},\"wordCount\":232,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-une-capacite-d-emprunt-en-hausse-de-17-depuis-2012_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit immobilier : une capacit\u00e9 d’emprunt en hausse de 17% depuis 2012\"}]},{\"@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. 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