{"id":6197,"date":"2022-01-19T08:54:00","date_gmt":"2022-01-19T07:54:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-01-17T11:36:49","modified_gmt":"2022-01-17T10:36:49","slug":"pret-immo-la-banque-de-france-releve-les-taux-dusure","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immo-la-banque-de-france-releve-les-taux-dusure.html","title":{"rendered":"Pr\u00eat immo, la Banque de France rel\u00e8ve les taux d\u2019usure"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La courbe des taux d\u2019usure remonte l\u00e9g\u00e8rement au 1er janvier 2022 apr\u00e8s plusieurs mois de baisses successives. Une \u00e9volution qui peut permettre de faciliter l\u2019acc\u00e8s au cr\u00e9dit pour les emprunteurs les plus fragiles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Taux d\u2019usure, explication<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux d\u2019usure est un \u00e9l\u00e9ment capital puisqu\u2019il joue le r\u00f4le de r\u00e9gulateur en mati\u00e8re de cr\u00e9dit. C\u2019est <strong>le seuil maximum l\u00e9gal au-del\u00e0 duquel les \u00e9tablissements bancaires ne peuvent accorder le pr\u00eat<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est le TAEG qui est pris en compte pour v\u00e9rifier si le taux d\u2019usure est bien respect\u00e9. Le TAEG est le taux de r\u00e9f\u00e9rence qui permet de comparer le co\u00fbt global des diff\u00e9rentes offres et appr\u00e9cier si une proposition d\u00e9passe le seuil d\u2019usure. Il prend en compte le taux nominal, l\u2019ensemble des frais occasionn\u00e9s par le pr\u00eat immobilier (frais de courtages, frais de dossier, par exemple), ainsi que les primes \u00e9ventuelles d\u2019assurance emprunteur. <strong>Il existe diff\u00e9rents taux de l\u2019usure selon la nature du pr\u00eat<\/strong> (pr\u00eats immobiliers, pr\u00eats relais, cr\u00e9dit \u00e0 la consommation, etc.), du montant du pr\u00eat et de sa dur\u00e9e.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Les seuils de l\u2019usure, une protection relative<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux d\u2019usure vise \u00e0 prot\u00e9ger l\u2019emprunteur contre des abus. Des taux d\u2019int\u00e9r\u00eat excessifs peuvent en effet placer l\u2019emprunteur dans une situation financi\u00e8re inconfortable, voire risqu\u00e9e. En d\u2019autres termes, ce plafond, qui oblige les banques \u00e0 ne pas trop s\u2019\u00e9loigner des taux moyens du march\u00e9 sous peine de sanctions, <strong>prot\u00e8ge l\u2019emprunteur d\u2019un \u00e9ventuel surendettement. <\/strong>Pour calculer le taux d\u2019usure, la Banque de France collecte aupr\u00e8s d\u2019un \u00e9chantillon repr\u00e9sentatif d\u2019\u00e9tablissements de cr\u00e9dit les TAEG appliqu\u00e9s pour les diff\u00e9rentes cat\u00e9gories de pr\u00eats au cours du trimestre pr\u00e9c\u00e9dent. Ces taux, major\u00e9s d\u2019un tiers, \u00e9tablissent les seuils de l\u2019usure et sont publi\u00e9s au Journal officiel par la Banque de France chaque trimestre. Or, la baisse constante du seuil de l\u2019usure ces derniers mois combin\u00e9e \u00e0 des r\u00e8gles d\u2019octroi plus contraignantes a pu provoquer un effet ciseaux sur certaines cat\u00e9gories d\u2019emprunteurs.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Taux d\u2019usure en hausse et taux de cr\u00e9dit bas, une opportunit\u00e9 \u00e0 saisir<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s plusieurs mois de recul des seuils de l\u2019usure, les taux remontent faiblement pour s\u2019\u00e9tablir \u00e0 2,4 % pour les pr\u00eats compris entre 10 et 20 ans, soit <strong>une hausse de 0,01 %.<\/strong> Cette faible remont\u00e9e peut redonner du souffle aux profils \u00e0 risques ou plus fragiles qui \u00e9taient jusqu\u2019alors p\u00e9nalis\u00e9s et exclus du cr\u00e9dit. La baisse des taux permet, elle, de continuer \u00e0 faire b\u00e9n\u00e9ficier aux profils d\u00e9sireux de r\u00e9aliser leur projet immobilier en 2022, des <strong>conditions id\u00e9ales de cr\u00e9dit.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour <strong>n\u00e9gocier une offre de financement comp\u00e9titive<\/strong>, l\u2019accompagnement d\u2019un courtier expert en cr\u00e9dit immobilier constitue la meilleure solution. Ce professionnel saura v\u00e9rifier la faisabilit\u00e9 du projet de l\u2019emprunteur, optimiser son dossier et l\u2019orienter vers l\u2019\u00e9tablissement de pr\u00eat le plus \u00e0 m\u00eame de le financer aux meilleures conditions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La courbe des taux d\u2019usure remonte l\u00e9g\u00e8rement au 1er janvier 2022 apr\u00e8s plusieurs mois de baisses successives. Une \u00e9volution qui peut permettre de faciliter l\u2019acc\u00e8s au cr\u00e9dit [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6203,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6197","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>Pr\u00eat immo, la Banque de France rel\u00e8ve les taux d\u2019usure - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les taux d\u2019usure remontent tr\u00e8s l\u00e9g\u00e8rement au 1er janvier 2022 apr\u00e8s avoir \u00e9t\u00e9 r\u00e9\u00e9valu\u00e9s par la Banque de France. 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