{"id":6018,"date":"2021-11-02T15:58:17","date_gmt":"2021-11-02T14:58:17","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-11-02T15:59:00","modified_gmt":"2021-11-02T14:59:00","slug":"credit-immobilier-nouveau-recul-des-taux-dusure","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-nouveau-recul-des-taux-dusure.html","title":{"rendered":"Cr\u00e9dit immobilier : nouveau recul des taux d\u2019usure"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Calcul\u00e9s chaque trimestre par la Banque de France, les taux de l\u2019usure terminent l\u2019ann\u00e9e \u00e0 leur plus bas historique. D\u00e9sormais situ\u00e9s entre 2,29 % et 2,88 % pour les cr\u00e9dits immobiliers, ces niveaux risquent de p\u00e9naliser certains profils d\u2019emprunteurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Les taux d\u2019usure en cr\u00e9dit immobilier<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les taux d\u2019usure correspondent aux seuils maximums l\u00e9gaux que les organismes de cr\u00e9dit ne doivent pas d\u00e9passer lorsqu\u2019ils accordent un cr\u00e9dit. <strong>Le taux annuel effectif global (TAEG) du cr\u00e9dit doit \u00eatre inf\u00e9rieur au seuil d\u2019usure<\/strong>, en incluant le taux nominal, mais aussi l\u2019ensemble des frais du cr\u00e9dit, les garanties et l\u2019assurance emprunteur. Le seuil usuraire permet de prot\u00e9ger l\u2019emprunteur contre des taux abusifs et d\u2019\u00e9viter ainsi de le placer dans une situation financi\u00e8re difficile (avec risque de surendettement).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux d\u2019usure est \u00e9valu\u00e9 trimestriellement par la Banque de France \u00e0 partir du taux effectif moyen (TEM). Il est calcul\u00e9 \u00e0 partir des TAEG pratiqu\u00e9s et augment\u00e9s d\u2019un tiers. La dur\u00e9e du pr\u00eat pour les cr\u00e9dits immobiliers \u00e0 taux fixe et le montant de l\u2019emprunt sont \u00e9galement pris en compte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un seuil d\u2019usure \u00e0 son plus bas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En cette fin d\u2019ann\u00e9e 2021, au 1<sup>er<\/sup> octobre, les taux de l\u2019usure \u00e9taient de nouveau en baisse pour le 3<sup>e<\/sup> trimestre cons\u00e9cutif et ont atteint ainsi leur plus bas historique. Pour un pr\u00eat \u00e0 taux fixe d\u2019une dur\u00e9e de 20 ans et plus, ils sont <strong>d\u00e9sormais fix\u00e9s \u00e0 2,41 % contre 2,67 % au 1<sup>er<\/sup> janvier de la m\u00eame ann\u00e9e<\/strong>, soit une chute de 26 points de base. Concernant le taux pour un pr\u00eat \u00e0 taux variable, il est situ\u00e9 \u00e0 2,29 % et le pr\u00eat relais \u00e0 2,88 %, au 1<sup>er<\/sup> octobre 2021.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces niveaux planchers ne sont pas forc\u00e9ment \u00e0 l\u2019avantage de tous les profils emprunteurs, \u00e0 la diff\u00e9rence des taux de cr\u00e9dit immobiliers bas qui b\u00e9n\u00e9ficient au plus grand nombre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Effet ciseaux pour certains profils emprunteurs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e9vu initialement pour prot\u00e9ger l\u2019emprunteur de taux d\u2019int\u00e9r\u00eat excessifs, un \u00e9cart trop resserr\u00e9 entre les taux de cr\u00e9dit immobilier et ceux d\u2019usure, comme aujourd\u2019hui, peut entra\u00eener un effet ciseau. Ce risque vise notamment les dossiers plus fragiles comme les emprunteurs plus \u00e2g\u00e9s ou pr\u00e9sentant des risques aggrav\u00e9s de sant\u00e9 qui supportent souvent des taux d\u2019assurance \u00e9lev\u00e9s. Franchissant le plafond, ils sont donc p\u00e9nalis\u00e9s et exclus du cr\u00e9dit m\u00eame s\u2019ils y sont \u00e9ligibles. Ce ph\u00e9nom\u00e8ne risque m\u00eame d\u2019\u00eatre amplifi\u00e9 par le d\u00e9calage entre la r\u00e9\u00e9valuation et la remont\u00e9e des taux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour \u00e9viter un d\u00e9passement du taux d\u2019usure, il est conseill\u00e9 de <strong>faire jouer la concurrence et de <a href=\"https:\/\/www.acecredit.fr\/fr\/assurance-credit-immobilier.html\">comparer les offres d\u2019assurances emprunteur<\/a><\/strong>. Des conditions plus avantageuses permettent de r\u00e9duire le taux de cr\u00e9dit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Calcul\u00e9s chaque trimestre par la Banque de France, les taux de l\u2019usure terminent l\u2019ann\u00e9e \u00e0 leur plus bas historique. D\u00e9sormais situ\u00e9s entre 2,29 % et 2,88 % [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5112,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6018","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>Cr\u00e9dit immobilier : nouveau recul des taux d\u2019usure - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Le taux de l\u2019usure chute et termine l\u2019ann\u00e9e \u00e0 son plus bas historique. L\u2019\u00e9cart entre les taux se resserre et risque de p\u00e9naliser certains emprunteurs.\" \/>\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\/credit-immobilier-nouveau-recul-des-taux-dusure.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : nouveau recul des taux d\u2019usure - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Le taux de l\u2019usure chute et termine l\u2019ann\u00e9e \u00e0 son plus bas historique. L\u2019\u00e9cart entre les taux se resserre et risque de p\u00e9naliser certains emprunteurs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-nouveau-recul-des-taux-dusure.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-02T14:58:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-11-02T14:59:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/loi-pinel-2021.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 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