{"id":5214,"date":"2021-02-11T08:51:00","date_gmt":"2021-02-11T07:51:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-02-09T11:13:22","modified_gmt":"2021-02-09T10:13:22","slug":"credit-immobilier-ce-que-changent-les-precisions-du-hcsf","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-ce-que-changent-les-precisions-du-hcsf.html","title":{"rendered":"Cr\u00e9dit immobilier : ce que changent les pr\u00e9cisions du HCSF"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Taux d\u2019endettement, diff\u00e9r\u00e9 de remboursement, d\u00e9rogations&nbsp;: le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) vient d\u2019apporter des pr\u00e9cisions aux ajustements r\u00e9cemment annonc\u00e9s qui ont permis d\u2019assouplir les conditions d\u2019octroi du cr\u00e9dit immobilier. Une notice, publi\u00e9e le 28 janvier 2021, explicite l\u2019application concr\u00e8te des directives qui devraient faciliter l\u2019acc\u00e8s au financement immobilier en 2021.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ne pas nuire \u00e0 l\u2019activit\u00e9 du march\u00e9 immobilier<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans un contexte \u00e9conomique mis \u00e0 mal par la crise sanitaire, <strong>le march\u00e9 immobilier demeure un secteur cl\u00e9 que le gouvernement n\u2019entend pas freiner<\/strong> plus que de raison. Fin 2019, les recommandations du HCSF visaient \u00e0 calmer l\u2019euphorie caus\u00e9e par des taux de cr\u00e9dit immobilier au plus bas et une envol\u00e9e des transactions (plus d\u2019un million dans l\u2019ancien). Mais un an plus tard, les ajustements \u00e9nonc\u00e9s par Bruno Le Maire fin 2020 indiquent qu\u2019il ne serait pas pertinent de limiter davantage l\u2019activit\u00e9 dans la pierre, d\u00e9j\u00e0 impact\u00e9e par la perte de pouvoir d\u2019achat des Fran\u00e7ais due \u00e0 la Covid-19. Plut\u00f4t que de lever purement et simplement les directives communiqu\u00e9es aux banques en 2020, Bercy et la Banque de France ont pr\u00e9f\u00e9r\u00e9 les ajuster pour proposer un cadre moins contraignant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Clarifier le taux d\u2019endettement autoris\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Concr\u00e8tement, Bruno Le Maire avait annonc\u00e9 le 17 d\u00e9cembre dernier que le <a href=\"https:\/\/www.acecredit.fr\/fr\/taux-endettement-maximum-autorise.html\">taux d\u2019endettement tol\u00e9r\u00e9 par les banques<\/a> serait port\u00e9 \u00e0 <strong>35% contre 33% pr\u00e9c\u00e9demment<\/strong>. Le communiqu\u00e9 de presse du HCSF du 28 janvier confirme cette orientation mais pr\u00e9cise aussi de quoi il en retourne pour les emprunteurs. L\u2019autorit\u00e9 prudentielle indique que le plafond de 35% s\u2019entend \u2013 assurance de pr\u00eat comprise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Offrir davantage de souplesse<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les autres pr\u00e9cisions du Haut Conseil de stabilit\u00e9 financi\u00e8re ont aussi leur importance pour les emprunteurs. Ceux qui ach\u00e8tent dans le neuf ou dans l\u2019ancien mais qui r\u00e9alisent des travaux \u00e0 hauteur de 25% du montant de l\u2019op\u00e9ration pourront voir leur <strong>dur\u00e9e d\u2019emprunt passer de 25 \u00e0 27 ans<\/strong>. Ce d\u00e9lai suppl\u00e9mentaire permet de prendre en compte le diff\u00e9r\u00e9 de remboursement dans le cas du neuf. Dans l\u2019ancien, ce d\u00e9lai se justifie par les travaux \u00e0 effectuer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par ailleurs, les banques ont davantage les mains libres pour d\u00e9roger \u00e0 ces directives qui deviendront obligatoires \u00e0 l\u2019\u00e9t\u00e9 2021. <strong>20% de la production peut en effet passer outre, contre 15% auparavant<\/strong>. La notice du 28 janvier pr\u00e9cise qu\u2019au moins \u00ab&nbsp;80 % de la flexibilit\u00e9 maximale sera destin\u00e9e aux acqu\u00e9reurs de leur r\u00e9sidence principale [\u2026] et au moins 30 % de la flexibilit\u00e9 maximale sera r\u00e9serv\u00e9e aux primo-acc\u00e9dants&nbsp;\u00bb.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Taux d\u2019endettement, diff\u00e9r\u00e9 de remboursement, d\u00e9rogations&nbsp;: le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) vient d\u2019apporter des pr\u00e9cisions aux ajustements r\u00e9cemment annonc\u00e9s qui ont permis d\u2019assouplir les conditions [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5225,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit immobilier : ce que changent les pr\u00e9cisions du HCSF - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Le Haut Conseil de stabilit\u00e9 financi\u00e8re a apport\u00e9 davantage de flexibilit\u00e9 aux banques et aux emprunteurs en mati\u00e8re d\u2019octroi du cr\u00e9dit immobilier.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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