{"id":5927,"date":"2021-09-28T11:55:28","date_gmt":"2021-09-28T09:55:28","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-09-28T11:55:31","modified_gmt":"2021-09-28T09:55:31","slug":"le-pret-immobilier-sera-soumis-aux-reglementations-du-hcsf-des-janvier-2022","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-immobilier-sera-soumis-aux-reglementations-du-hcsf-des-janvier-2022.html","title":{"rendered":"Le pr\u00eat immobilier sera soumis aux r\u00e9glementations du HCSF d\u00e8s janvier 2022"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) vient d\u2019annoncer la mise en loi de r\u00e9glementations qui n\u2019\u00e9taient jusqu&rsquo;alors que de simples recommandations. Ces consignes, touchant \u00e0 la dur\u00e9e comme au <a href=\"https:\/\/www.acecredit.fr\/fr\/taux-endettement-maximum-autorise.html\">taux d\u2019effort maximum<\/a> des m\u00e9nages, deviendront donc contraignantes pour les banques, sous peine de bl\u00e2me ou de sanction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>De nouvelles restrictions et contreparties<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avec la hausse du plafond de taux d\u2019effort consenti par les m\u00e9nages, qui <strong>passe de 33% \u00e0 35%<\/strong>, ainsi que l\u2019augmentation de la dur\u00e9e maximum de remboursement, de 25 \u00e0 27 ans pour certains cas pr\u00e9cis (achat dans le neuf ou dans l\u2019ancien avec travaux qui repr\u00e9sentent plus de 25% du co\u00fbt total de l\u2019op\u00e9ration), les pouvoirs publics entendent ici trouver un \u00e9quilibre entre restrictions et libert\u00e9s d\u2019octroi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La TAEG reste l\u2019indicateur de r\u00e9f\u00e9rence pour la v\u00e9rification du respect du taux d\u2019endettement maximal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En parall\u00e8le, l\u2019assurance-cr\u00e9dit sera dor\u00e9navant prise en compte dans le taux d\u2019effort global, limitant par cons\u00e9quent les capacit\u00e9s d\u2019emprunt des m\u00e9nages. Au regard de cette \u00e9volution, mieux vaut disposer d\u2019un apport cons\u00e9quent afin d\u2019absorber ce surco\u00fbt et augmenter les chances de son dossier aupr\u00e8s des banques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 noter cependant que la marge de flexibilit\u00e9, permettant aux banques de <strong>d\u00e9roger au strict cadre des r\u00e9gulations du HCSF, est relev\u00e9e de 15% \u00e0 20%<\/strong>. Pour toutes ces raisons, mettre en valeur son dossier et construire un projet solide, tout en ayant conscience de l\u2019environnement juridique de l\u2019emprunt, est un pr\u00e9alable essentiel avant de solliciter une banque.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Quels \u00e9l\u00e9ments \u00e0 mettre en avant dans son dossier d\u2019emprunt ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Au vu de l\u2019\u00e9volution du cadre des octrois de cr\u00e9dit logement, il reste possible d\u2019optimiser son dossier pour faire valoir et financer son projet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comme \u00e9voqu\u00e9 plus haut, certains dossiers peuvent faire l\u2019objet de d\u00e9rogations. Ces \u00e9carts \u00e0 la r\u00e8gle sont cependant fl\u00e9ch\u00e9s vers les primo-acc\u00e9dants et les acqu\u00e9reurs de r\u00e9sidence principale. Les foyers cherchant \u00e0 acqu\u00e9rir leur premier logement ou souhaitant changer de r\u00e9sidence principale peuvent donc formuler une requ\u00eate de d\u00e9rogation sur cette base.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bon \u00e0 savoir :<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">80% de la marge de flexibilit\u00e9 admise (20%) devra \u00eatre destin\u00e9e aux acqu\u00e9reurs de r\u00e9sidence principale. 30% d\u2019entre eux devront \u00eatre primo-acc\u00e9dants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faire appel \u00e0 un <strong>courtier en pr\u00eat immobilier<\/strong> constitue une option de choix pour augmenter ses chances d\u2019\u00eatre financ\u00e9. Il conseille sur la mani\u00e8re d\u2019optimiser son financement en fonction des r\u00e9glementations en vigueur. Par ailleurs, le courtier, gr\u00e2ce \u00e0 son r\u00e9seau, saura orienter l\u2019emprunteur vers la banque la plus \u00e0 m\u00eame de le financer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) vient d\u2019annoncer la mise en loi de r\u00e9glementations qui n\u2019\u00e9taient jusqu&rsquo;alors que de simples recommandations. Ces consignes, touchant \u00e0 la [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5927","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>Le pr\u00eat immobilier sera soumis aux r\u00e9glementations du HCSF d\u00e8s janvier 2022 - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les consignes du Haut Conseil de Stabilit\u00e9 Financi\u00e8re qui portent sur les r\u00e8gles d\u2019octroi du cr\u00e9dit \u00e9voluent ! En janvier 2022, les recommandations formul\u00e9es cet \u00e9t\u00e9 auront force de loi.\" \/>\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\/le-pret-immobilier-sera-soumis-aux-reglementations-du-hcsf-des-janvier-2022.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le pr\u00eat immobilier sera soumis aux r\u00e9glementations du HCSF d\u00e8s janvier 2022 - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les consignes du Haut Conseil de Stabilit\u00e9 Financi\u00e8re qui portent sur les r\u00e8gles d\u2019octroi du cr\u00e9dit \u00e9voluent ! En janvier 2022, les recommandations formul\u00e9es cet \u00e9t\u00e9 auront force de loi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-immobilier-sera-soumis-aux-reglementations-du-hcsf-des-janvier-2022.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-28T09:55:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-09-28T09:55:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/fiscalite-immobilier.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\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\\\/le-pret-immobilier-sera-soumis-aux-reglementations-du-hcsf-des-janvier-2022.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/le-pret-immobilier-sera-soumis-aux-reglementations-du-hcsf-des-janvier-2022.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Le pr\u00eat immobilier sera soumis aux r\u00e9glementations du HCSF d\u00e8s janvier 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