{"id":5888,"date":"2021-09-17T08:20:00","date_gmt":"2021-09-17T06:20:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-09-15T16:01:02","modified_gmt":"2021-09-15T14:01:02","slug":"un-record-134-milliards-deuros-pretes-aux-particuliers","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-record-134-milliards-deuros-pretes-aux-particuliers.html","title":{"rendered":"Un record ! 134 milliards d&rsquo;euros pr\u00eat\u00e9s aux particuliers"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Malgr\u00e9 le renforcement des r\u00e8gles d\u2019octroi de cr\u00e9dits immobiliers, les valeurs emprunt\u00e9es d\u00e9passent d\u00e9sormais les records historiques. Avec 134 milliards d\u2019euros pr\u00eat\u00e9s depuis le d\u00e9but de l\u2019ann\u00e9e, le march\u00e9 du cr\u00e9dit se porte \u00e0 merveille.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Quel impact pour des nouvelles r\u00e9glementations ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sacr\u00e9 tour de force pour le march\u00e9 du cr\u00e9dit immobilier, malgr\u00e9 un plafonnement \u00e0 35% de l\u2019endettement total par m\u00e9nage par le HCSF (Haut Conseil de stabilit\u00e9 financi\u00e8re) et la prise en compte de l\u2019assurance-cr\u00e9dit dans cet indice, <strong>la somme emprunt\u00e9e a battu son record annuel dans l\u2019hexagone.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La part de signatures issues de ren\u00e9gociations, repr\u00e9sentant il y a 3 ans pr\u00e8s de la moiti\u00e9 des octrois, est descendue \u00e0 seulement <strong>20% de la production de cr\u00e9dit annuelle<\/strong>. Les ren\u00e9gociations b\u00e9n\u00e9ficient effectivement depuis 2020 de taux historiquement bas, permettant des ren\u00e9gociations qui ont d\u00e9j\u00e0 eu lieu depuis, ce qui explique une part faible de ces transaction dans la somme totale de la production de cr\u00e9dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le dernier record, \u00e9tabli en 2017, faisait \u00e9tat de 177 milliards d\u2019euros de cr\u00e9dit octroy\u00e9s. L\u2019ann\u00e9e 2021, avec un rattrapage certain de projets report\u00e9s suite \u00e0 une ann\u00e9e 2020 rythm\u00e9e par les interruptions sanitaires, pulv\u00e9rise ce record.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Doit-on attendre un revers ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En d\u00e9cembre 2019, le HCSF avait limit\u00e9 \u00e0 <strong>25 ans la dur\u00e9e maximum des emprunts<\/strong>, afin d\u2019\u00e9viter un endettement important des Fran\u00e7ais. Par ailleurs, le HCSF avait fix\u00e9 \u00e0 <strong>35% <a href=\"https:\/\/www.acecredit.fr\/fr\/taux-endettement-maximum-autorise.html\">le taux d\u2019endettement maximal<\/a>,<\/strong> assurance comprise. Ces contraintes ont entra\u00een\u00e9 en parall\u00e8le la hausse de la dur\u00e9e moyenne des cr\u00e9dits immobiliers pour rentrer dans les clous. C&rsquo;est pourquoi la dur\u00e9e d&#8217;emprunt avoisine maintenant les 20 ans (235 mois ce qui correspond \u00e0 19,6 ans).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais ces restrictions n\u2019auront pas suffi \u00e0 freiner la production de cr\u00e9dits immobiliers. Et au regard de la vigueur du secteur du cr\u00e9dit, les conditions d\u2019octroi seront particuli\u00e8rement observ\u00e9es par les autorit\u00e9s financi\u00e8res. En effet, une intervention du HCSF sur ces sujets pourrait potentiellement contraindre les banques \u00e0 examiner les dossiers d\u2019emprunt plus s\u00e9v\u00e8rement, ralentissant ainsi la production de cr\u00e9dit immobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette pouss\u00e9e de cr\u00e9dit immobilier conforte Bercy dans sa volont\u00e9 d\u2019orienter l\u2019\u00e9pargne COVID accumul\u00e9e par les fran\u00e7ais en 2020 vers <strong>l\u2019\u00e9conomie r\u00e9elle plut\u00f4t qu&rsquo;au placement patrimonial.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La p\u00e9riode actuelle constitue donc un moment id\u00e9al pour envisager un investissement, sous risque potentiel d\u2019un durcissement par la suite des conditions de cr\u00e9dit. Bien que de nouvelles r\u00e9glementations ne soient vraisemblablement pas \u00e0 l\u2019ordre du jour, des avertissements envers les banques un peu trop g\u00e9n\u00e9reuses pourraient rendre plus complexe l&rsquo;acc\u00e8s au cr\u00e9dit pour les profils les plus modestes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Malgr\u00e9 le renforcement des r\u00e8gles d\u2019octroi de cr\u00e9dits immobiliers, les valeurs emprunt\u00e9es d\u00e9passent d\u00e9sormais les records historiques. Avec 134 milliards d\u2019euros pr\u00eat\u00e9s depuis le d\u00e9but de l\u2019ann\u00e9e, [&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-5888","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>Un record ! 134 milliards d&#039;euros pr\u00eat\u00e9s aux particuliers - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"134 milliards d&#039;euros pr\u00eat\u00e9s depuis d\u00e9but 2021. Le march\u00e9 du cr\u00e9dit pulv\u00e9rise les records. 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