{"id":5760,"date":"2021-07-15T17:15:32","date_gmt":"2021-07-15T15:15:32","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-09-14T11:34:54","modified_gmt":"2021-09-14T09:34:54","slug":"taux-immobiliers-nouvelles-baisses-estivales","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-immobiliers-nouvelles-baisses-estivales.html","title":{"rendered":"Taux immobiliers : nouvelles baisses estivales !"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pas de cong\u00e9s estivaux pour la baisse des taux du cr\u00e9dit immobilier en juillet 2021&nbsp;! Les taux mini des bar\u00e8mes bancaires compil\u00e9s par Ace Cr\u00e9dit sont en recul sur la quasi-totalit\u00e9 des dur\u00e9es d\u2019emprunt, et les taux du march\u00e9 font de m\u00eame sur 15 et 25 ans pour offrir des conditions exceptionnelles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un \u00e9t\u00e9 pas comme les autres<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Habituellement les taux de cr\u00e9dit immobilier sont relev\u00e9s en \u00e9t\u00e9. Deux raisons \u00e0 cela&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>les banques ont g\u00e9n\u00e9ralement atteint leur objectif \u00e0 cette p\u00e9riode de l\u2019ann\u00e9e&nbsp;;<\/li><li>les \u00e9tablissements de pr\u00eats souhaitent ralentir le rythme en pr\u00e9vention des vacances d\u2019\u00e9t\u00e9, l\u00e0 o\u00f9 l\u2019effectif risque d\u2019\u00eatre r\u00e9duit.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Mais cette ann\u00e9e, <strong>les taux se maintiennent ainsi \u00e0 des niveaux planchers<\/strong>. Une situation favorable aux emprunteurs qui souhaitent sauter le pas et concr\u00e9tiser leur projet immobilier. Les taux devraient rester inchang\u00e9s car les OAT (obligations assimilables du tr\u00e9sor), qui servent de r\u00e9f\u00e9rence aux banques, se sont stabilis\u00e9es apr\u00e8s quelques mouvements haussiers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les meilleurs taux au plus bas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ceux qui b\u00e9n\u00e9ficient en premier lieu des taux les plus comp\u00e9titifs, ce sont les meilleurs profils d\u2019emprunteurs. Ceux dont le dossier atteste leur capacit\u00e9 \u00e0 rembourser un cr\u00e9dit immobilier, avec un taux d\u2019endettement raisonnable, un apport personnel important et une activit\u00e9 dans un secteur peu expos\u00e9 au risque Covid. Pour ce public, il est d\u00e9sormais possible d\u2019emprunter au meilleur taux de 0,19% sur 7 ans (-0,02 point), 0,38% sur 10 ans (-0,01 point) et 0,60% sur 15 ans (-0,01 point). Mais la baisse la plus spectaculaire concerne un financement immobilier sur 25 ans, avec un retour du <strong>taux mini sous les 1% (0,95%, -0,06 point)&nbsp;<\/strong>! Pour un montant de 350&nbsp;000\u20ac, le co\u00fbt du pr\u00eat immobilier \u00e0 ces conditions ne d\u00e9passe pas 43&nbsp;300\u20ac hors assurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un co\u00fbt r\u00e9duit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Du c\u00f4t\u00e9 des taux du march\u00e9, la stabilit\u00e9 des derniers mois laisse place \u00e0 de nouvelles diminutions. Le taux moyen sur 15 ans baisse ainsi \u00e0 0,90% (-0,05 point), et celui sur 25 ans recule \u00e0 1,30% (-0,05 point). Pour un emprunt de 200&nbsp;000\u20ac sur 15 ans, le co\u00fbt moyen du financement immobilier tombe sous les 14&nbsp;000\u20ac, soit une \u00e9conomie de pr\u00e8s de 1 000\u20ac. Avec un profil disposant de solides garanties, il est tout \u00e0 fait possible de <strong>souscrire un cr\u00e9dit immobilier au <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">meilleur taux<\/a><\/strong>. Encore faut-il trouver la banque qui propose les meilleures conditions d\u2019emprunt. Un courtier en cr\u00e9dit immobilier peut s\u2019occuper de la recherche de financement.&nbsp; L\u2019emprunteur n\u2019a plus \u00e0 faire le tour des banques pour comparer leurs offres, une t\u00e2che chronophage qui peut \u00eatre remplie par un sp\u00e9cialiste du cr\u00e9dit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pas de cong\u00e9s estivaux pour la baisse des taux du cr\u00e9dit immobilier en juillet 2021&nbsp;! Les taux mini des bar\u00e8mes bancaires compil\u00e9s par Ace Cr\u00e9dit sont en [&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-5760","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>Taux immobiliers : nouvelles baisses estivales ! - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les taux immobiliers ont op\u00e9r\u00e9 une nouvelle baisse \u2013 notamment au profit des meilleurs dossiers \u2013 d\u2019apr\u00e8s les bar\u00e8mes bancaires de juillet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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