{"id":5359,"date":"2021-03-11T17:00:22","date_gmt":"2021-03-11T16:00:22","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-03-11T17:00:22","modified_gmt":"2021-03-11T16:00:22","slug":"les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html","title":{"rendered":"Les taux immobiliers se r\u00e9tractent encore sur les courtes dur\u00e9es"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le niveau plancher des <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">taux immobiliers<\/a> est toujours d\u2019actualit\u00e9 en mars 2021. Les taux moyens ont m\u00eame recul\u00e9 sur les courtes dur\u00e9es d\u2019apr\u00e8s notre barom\u00e8tre des taux. Si ces derniers sont stables pour les emprunts liss\u00e9s entre 15 et 25 ans, ce n\u2019est pas le cas en revanche des taux mini, qui ont augment\u00e9 sur ces maturit\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Des taux durablement bas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">On le sait, les taux du cr\u00e9dit immobilier sont au plus bas&nbsp;et <strong>cela fait maintenant plus de deux ans qu\u2019ils se maintiennent \u00e0 des niveaux planchers<\/strong>. Mais il est toujours bon de le rappeler, alors que les projets d\u2019accession ou d\u2019investissement immobilier sont ralentis par plusieurs facteurs&nbsp;: manque de visibilit\u00e9 en mati\u00e8re de conjoncture \u00e9conomique, enlisement de la crise sanitaire, p\u00e9nurie de logements neufs, etc. Pour soutenir le march\u00e9 immobilier, les taux directeurs se maintiennent \u00e0 des niveaux tr\u00e8s bas pour permettre aux banques d\u2019attirer les clients en proposant des conditions d\u2019emprunt tr\u00e8s avantageuses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L\u00e9g\u00e8re remont\u00e9e des taux mini entre 15 et 25 ans<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sur 7 et 10 ans, les taux moyens de cr\u00e9dit immobilier ont encore diminu\u00e9 de 0,05 point en mars pour s\u2019\u00e9tablir respectivement \u00e0 0,65 et 0,75%. Quant aux meilleurs taux, ils sont rest\u00e9s inchang\u00e9s. Ils se maintiennent \u00e0 des niveaux qu\u2019il semble difficile de repousser tant ils sont bas (0,30% sur 7 ans, 0,40% sur 10 ans). Un cr\u00e9dit immobilier de 150&nbsp;000\u20ac sur 10 ans au meilleur taux n\u2019en co\u00fbtera que 3 000\u20ac \u00e0 l\u2019emprunteur hors assurance&nbsp;!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pas de mouvement sur 15, 20 et 25 ans, qui concentre la majorit\u00e9 des financements. En effet, le taux moyen demeure sous les 1% sur 15 ans (0,95%), sous les 1,20% sur 20 ans (1,15%) et loin sous les 1,50% sur 25 ans (1,35%). Sur ces dur\u00e9es, les taux mini ont augment\u00e9&nbsp;: <strong>+0,05 point sur 15 ans (0,60%), +0,10 point sur 20 ans (0,83%) et +0,13 point sur 25 ans (1,05%)<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais les meilleurs profils peuvent toujours b\u00e9n\u00e9ficier de conditions avantageuses. En effet, les emprunteurs peuvent profiter d\u2019une mensualit\u00e9 r\u00e9duite \u00e0 1 357\u20ac sur 20 ans (hors assurance) pour un pr\u00eat immobilier de 300&nbsp;000\u20ac. Avec un co\u00fbt du cr\u00e9dit tenu sous les 26&nbsp;000\u20ac.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La vigilance du courtier en cr\u00e9dit immobilier<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si les taux immobiliers sont bas, la situation \u00e9conomique due \u00e0 la Covid-19 doit inciter \u00e0 se montrer vigilant sur les conditions d\u2019emprunt et notamment concernant la modularit\u00e9 du pr\u00eat ou la possibilit\u00e9 de reporter des \u00e9ch\u00e9ances en cas de difficult\u00e9s passag\u00e8res. L\u2019accompagnement d\u2019un courtier en cr\u00e9dit immobilier est \u00e0 ce titre une vraie plus-value. Son objectif&nbsp;: <strong>vous obtenir un cr\u00e9dit sur mesure<\/strong> qui saura s\u2019adapter en cas de changement de situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le niveau plancher des taux immobiliers est toujours d\u2019actualit\u00e9 en mars 2021. Les taux moyens ont m\u00eame recul\u00e9 sur les courtes dur\u00e9es d\u2019apr\u00e8s notre barom\u00e8tre des taux. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5363,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5359","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>Les taux immobiliers se r\u00e9tractent encore sur les courtes dur\u00e9es - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les taux du cr\u00e9dit immobilier ont stagn\u00e9 \u00e0 des niveaux planchers en mars 2021 d\u2019apr\u00e8s les donn\u00e9es ACE Cr\u00e9dit, avec un l\u00e9ger recul sur les courtes dur\u00e9es.\" \/>\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\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les taux immobiliers se r\u00e9tractent encore sur les courtes dur\u00e9es - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les taux du cr\u00e9dit immobilier ont stagn\u00e9 \u00e0 des niveaux planchers en mars 2021 d\u2019apr\u00e8s les donn\u00e9es ACE Cr\u00e9dit, avec un l\u00e9ger recul sur les courtes dur\u00e9es.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-11T16:00:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-credit-immobilier.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"815\" \/>\n\t<meta property=\"og:image:height\" content=\"413\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Les taux immobiliers se r\u00e9tractent encore sur les courtes dur\u00e9es\",\"datePublished\":\"2021-03-11T16:00:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html\"},\"wordCount\":452,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/taux-credit-immobilier.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/taux-credit-immobilier.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/taux-credit-immobilier.jpg\",\"width\":815,\"height\":413,\"caption\":\"Les taux immobiliers de septembre 2022\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Les taux immobiliers se r\u00e9tractent encore sur les courtes dur\u00e9es\"}]},{\"@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. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Les taux immobiliers se r\u00e9tractent encore sur les courtes dur\u00e9es - Ace Cr\u00e9dit","description":"Les taux du cr\u00e9dit immobilier ont stagn\u00e9 \u00e0 des niveaux planchers en mars 2021 d\u2019apr\u00e8s les donn\u00e9es ACE Cr\u00e9dit, avec un l\u00e9ger recul sur les courtes dur\u00e9es.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html","og_locale":"fr_FR","og_type":"article","og_title":"Les taux immobiliers se r\u00e9tractent encore sur les courtes dur\u00e9es - Ace Cr\u00e9dit","og_description":"Les taux du cr\u00e9dit immobilier ont stagn\u00e9 \u00e0 des niveaux planchers en mars 2021 d\u2019apr\u00e8s les donn\u00e9es ACE Cr\u00e9dit, avec un l\u00e9ger recul sur les courtes dur\u00e9es.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2021-03-11T16:00:22+00:00","og_image":[{"width":815,"height":413,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-credit-immobilier.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Les taux immobiliers se r\u00e9tractent encore sur les courtes dur\u00e9es","datePublished":"2021-03-11T16:00:22+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html"},"wordCount":452,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-credit-immobilier.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-credit-immobilier.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-credit-immobilier.jpg","width":815,"height":413,"caption":"Les taux immobiliers de septembre 2022"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-immobiliers-se-retractent-encore-sur-les-courtes-durees.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Les taux immobiliers se r\u00e9tractent encore sur les courtes dur\u00e9es"}]},{"@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. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/5359","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=5359"}],"version-history":[{"count":3,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/5359\/revisions"}],"predecessor-version":[{"id":5365,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/5359\/revisions\/5365"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/5363"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=5359"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=5359"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=5359"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}