{"id":5536,"date":"2021-05-04T16:32:38","date_gmt":"2021-05-04T14:32:38","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-05-04T16:32:39","modified_gmt":"2021-05-04T14:32:39","slug":"marche-immobilier-entre-penurie-et-attractivite","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/marche-immobilier-entre-penurie-et-attractivite.html","title":{"rendered":"March\u00e9 immobilier : entre p\u00e9nurie et attractivit\u00e9"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le laboratoire \u00e9conomique du logement (LABEL), cellule \u00e9conomique de la FNAIM, a livr\u00e9 son \u00e9tat des lieux du march\u00e9 immobilier apr\u00e8s un an de crise sanitaire. S\u2019il a su traverser la temp\u00eate, il enregistre quelques changements notables et b\u00e9n\u00e9ficie des taux bas du cr\u00e9dit immobilier pour demeurer dynamique.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un march\u00e9 en r\u00e9\u00e9quilibrage territorial<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e9tude du LABEL indique que le march\u00e9 immobilier est compos\u00e9 \u00e0 <strong>82% de r\u00e9sidences principales, 10% de r\u00e9sidences secondaires et 8% de logements vacants<\/strong> (un chiffre en hausse continue depuis 10 ans). Elle souligne que le nombre de transactions a bel et bien chut\u00e9 de 4% en 2020 par rapport \u00e0 2019, un recul qui touche tout particuli\u00e8rement les grandes villes. La r\u00e9gion Ile-de-France et notamment Paris est la plus touch\u00e9e (-18%). Cela signifie que le march\u00e9 s\u2019est r\u00e9\u00e9quilibr\u00e9 vers les villes moyennes et la p\u00e9riph\u00e9rie des grandes villes o\u00f9 les prix sont plus abordables m\u00eame s\u2019ils sont toujours l\u00e9g\u00e8rement \u00e0 la hausse (+4%). Une augmentation qui s\u2019explique par la baisse des taux du cr\u00e9dit immobilier et la p\u00e9nurie de biens \u00e0 vendre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, le LABEL fait \u00e9tat de la d\u00e9cision du gouvernement d\u2019<strong>interdire la location des passoires thermiques d\u00e8s 2028 s\u2019ils ne sont pas r\u00e9nov\u00e9s<\/strong>. Cela concernerait pas moins de 4,8 millions de logements en France, soit 17% du parc locatif, sans compter 25% de logements \u00e9nergivores dont l\u2019\u00e9tiquette \u00e9nerg\u00e9tique est not\u00e9e en E.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Des conditions de pr\u00eat favorables<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux d\u2019endettement des m\u00e9nages fran\u00e7ais s\u2019\u00e9l\u00e8ve \u00e0 98% du revenu disponible brut, soit le plus bas d\u2019Europe. A titre de comparaison, les pays scandinaves affichent un taux \u00e0 200%&nbsp;! Autre param\u00e8tre important&nbsp;: <strong>les conditions de pr\u00eat se sont assouplies depuis janvier 2021<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La dur\u00e9e maximale de pr\u00eat passe de 25 \u00e0 27 ans<\/strong> lorsqu\u2019il y a diff\u00e9r\u00e9 de remboursement (neuf ou ancien avec travaux). <strong><a href=\"https:\/\/www.acecredit.fr\/fr\/taux-endettement-maximum-autorise.html\">Le taux d\u2019endettement accept\u00e9<\/a> est d\u00e9sormais pass\u00e9 \u00e0 35%<\/strong>, contre 33% auparavant. Une donn\u00e9e \u00e0 pond\u00e9rer puisque la capacit\u00e9 d\u2019endettement inclut d\u00e9sormais l\u2019assurance de pr\u00eat. Toutefois, il existe des solutions pour baisser son co\u00fbt du financement immobilier\u00a0: <strong>la d\u00e9l\u00e9gation d\u2019assurance<\/strong> permet en effet de faire jouer la concurrence pour d\u00e9nicher le contrat au taux le plus comp\u00e9titif. Par ailleurs, les acqu\u00e9reurs peuvent b\u00e9n\u00e9ficier du <strong>pr\u00eat \u00e0 taux z\u00e9ro (PTZ)<\/strong> et les investisseurs de <strong>dispositifs de d\u00e9fiscalisation comme le Pinel ou de le Denormandie<\/strong> pour r\u00e9duire ainsi la facture. Sans compter les niveaux bas historiques pour <strong>les taux du cr\u00e9dit immobilier<\/strong>, tomb\u00e9s \u00e0 seulement 1,01% en moyenne sur 20 ans d\u2019apr\u00e8s l\u2019Observatoire Cr\u00e9dit Logement\/CSA.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le laboratoire \u00e9conomique du logement (LABEL), cellule \u00e9conomique de la FNAIM, a livr\u00e9 son \u00e9tat des lieux du march\u00e9 immobilier apr\u00e8s un an de crise sanitaire. S\u2019il [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5545,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5536","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>March\u00e9 immobilier : entre p\u00e9nurie et attractivit\u00e9 - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La FNAIM publie son barom\u00e8tre annuel du logement pour 2020. Malgr\u00e9 la crise sanitaire, le march\u00e9 immobilier a bien r\u00e9sist\u00e9, gr\u00e2ce notamment aux taux bas.\" \/>\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\/marche-immobilier-entre-penurie-et-attractivite.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"March\u00e9 immobilier : entre p\u00e9nurie et attractivit\u00e9 - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"La FNAIM publie son barom\u00e8tre annuel du logement pour 2020. Malgr\u00e9 la crise sanitaire, le march\u00e9 immobilier a bien r\u00e9sist\u00e9, gr\u00e2ce notamment aux taux bas.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/marche-immobilier-entre-penurie-et-attractivite.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-04T14:32:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-05-04T14:32:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/marche-immobilier-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"684\" \/>\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\\\/marche-immobilier-entre-penurie-et-attractivite.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/marche-immobilier-entre-penurie-et-attractivite.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"March\u00e9 immobilier : entre p\u00e9nurie et attractivit\u00e9\",\"datePublished\":\"2021-05-04T14:32:38+00:00\",\"dateModified\":\"2021-05-04T14:32:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/marche-immobilier-entre-penurie-et-attractivite.html\"},\"wordCount\":462,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/marche-immobilier-entre-penurie-et-attractivite.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/marche-immobilier-2.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/marche-immobilier-entre-penurie-et-attractivite.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/marche-immobilier-2.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/marche-immobilier-2.jpg\",\"width\":1024,\"height\":684,\"caption\":\"L'avenir de l'immobilier pour la fin 2022\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/marche-immobilier-entre-penurie-et-attractivite.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"March\u00e9 immobilier : entre p\u00e9nurie et attractivit\u00e9\"}]},{\"@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":"March\u00e9 immobilier : entre p\u00e9nurie et attractivit\u00e9 - Ace Cr\u00e9dit","description":"La FNAIM publie son barom\u00e8tre annuel du logement pour 2020. Malgr\u00e9 la crise sanitaire, le march\u00e9 immobilier a bien r\u00e9sist\u00e9, gr\u00e2ce notamment aux taux bas.","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\/marche-immobilier-entre-penurie-et-attractivite.html","og_locale":"fr_FR","og_type":"article","og_title":"March\u00e9 immobilier : entre p\u00e9nurie et attractivit\u00e9 - Ace Cr\u00e9dit","og_description":"La FNAIM publie son barom\u00e8tre annuel du logement pour 2020. Malgr\u00e9 la crise sanitaire, le march\u00e9 immobilier a bien r\u00e9sist\u00e9, gr\u00e2ce notamment aux taux bas.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/marche-immobilier-entre-penurie-et-attractivite.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2021-05-04T14:32:38+00:00","article_modified_time":"2021-05-04T14:32:39+00:00","og_image":[{"width":1024,"height":684,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/marche-immobilier-2.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\/marche-immobilier-entre-penurie-et-attractivite.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/marche-immobilier-entre-penurie-et-attractivite.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"March\u00e9 immobilier : entre p\u00e9nurie et attractivit\u00e9","datePublished":"2021-05-04T14:32:38+00:00","dateModified":"2021-05-04T14:32:39+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/marche-immobilier-entre-penurie-et-attractivite.html"},"wordCount":462,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/marche-immobilier-entre-penurie-et-attractivite.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/marche-immobilier-2.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/marche-immobilier-entre-penurie-et-attractivite.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/marche-immobilier-2.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/marche-immobilier-2.jpg","width":1024,"height":684,"caption":"L'avenir de l'immobilier pour la fin 2022"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/marche-immobilier-entre-penurie-et-attractivite.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"March\u00e9 immobilier : entre p\u00e9nurie et attractivit\u00e9"}]},{"@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\/5536","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=5536"}],"version-history":[{"count":3,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/5536\/revisions"}],"predecessor-version":[{"id":5546,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/5536\/revisions\/5546"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/5545"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=5536"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=5536"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=5536"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}