{"id":6230,"date":"2022-01-31T10:37:25","date_gmt":"2022-01-31T09:37:25","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-01-31T10:37:27","modified_gmt":"2022-01-31T09:37:27","slug":"credit-immobilier-focus-sur-les-mesures-du-hcsf","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-focus-sur-les-mesures-du-hcsf.html","title":{"rendered":"Cr\u00e9dit immobilier, focus sur les mesures du HCSF"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Depuis le 1<sup>er<\/sup> janvier 2022, les r\u00e8gles en mati\u00e8re d\u2019octroi de cr\u00e9dits immobiliers ont chang\u00e9. Il est d\u00e9sormais plus difficile d\u2019obtenir l\u2019accord d\u2019un \u00e9tablissement de pr\u00eat notamment pour certaines cat\u00e9gories d\u2019emprunteurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Nouvelles r\u00e8gles du HCSF pour le cr\u00e9dit immobilier<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) a rendu obligatoires les r\u00e8gles d\u2019acc\u00e8s au cr\u00e9dit immobilier pour les particuliers. Ces mesures, qui n\u2019\u00e9taient jusqu\u2019alors que des recommandations, sont <strong>juridiquement contraignantes depuis le 1<sup>er<\/sup> janvier 2022<\/strong>. Ainsi, il n\u2019est aujourd\u2019hui plus possible d\u2019emprunter sur plus de 25 ans (27 sous conditions) ou d\u2019avoir un taux d\u2019endettement sup\u00e9rieur \u00e0 35 %. Les banques sont contraintes de respecter ces conditions d\u2019octroi de cr\u00e9dit plus strictes sous peine de sanctions. Cette d\u00e9cision du HCSF vise \u00e0 limiter l\u2019endettement des m\u00e9nages fran\u00e7ais dans le contexte de crise actuel. D\u00e8s lors, les m\u00e9nages qui ne remplissent pas les crit\u00e8res d\u2019octroi sont \u00e9cart\u00e9s du cr\u00e9dit immobilier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>La possibilit\u00e9 de d\u00e9roger pour 20 % des dossiers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les \u00e9tablissements bancaires ont tout de m\u00eame <strong>la possibilit\u00e9 de d\u00e9roger \u00e0 ces r\u00e8gles pour 20 % des dossiers au cours d\u2019un trimestre<\/strong>. Priorit\u00e9 aux primo-acc\u00e9dants. En effet, ces d\u00e9rogations doivent s\u2019appliquer, pour au moins 80 %, aux dossiers qui concernent <strong>l\u2019achat d\u2019une r\u00e9sidence principale<\/strong>. Par ailleurs, un tiers de ces dossiers doit cibler les particuliers qui ach\u00e8tent pour la premi\u00e8re fois, autrement dit les <strong>primo-acc\u00e9dants<\/strong>. Avec un taux plafond \u00e0 35 % (assurance comprise), un couple qui per\u00e7oit 3\u2009500 euros net par mois ne peut rembourser au-del\u00e0 de 1 225 euros de mensualit\u00e9s de cr\u00e9dit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Ce qui change pour l\u2019emprunteur<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ces conditions plus strictes sont d\u00e9j\u00e0 appliqu\u00e9es depuis plusieurs mois par la plupart des banques, mais elles sont d\u00e9sormais obligatoires. Ainsi, cela risque d\u2019exclure certains m\u00e9nages. C\u2019est le cas notamment pour ceux qui pouvaient b\u00e9n\u00e9ficier de d\u00e9rogations comme les profils emprunteurs plus jeunes ou ne b\u00e9n\u00e9ficiant pas d\u2019\u00e9pargne suffisante ou des m\u00e9nages aux revenus plus modestes. Aussi, m\u00eame si les banques conservent un droit de d\u00e9rogation sur 20 % des dossiers, <strong>l\u2019apport est devenu un enjeu primordial dans l\u2019obtention d\u2019un pr\u00eat immobilier<\/strong>. Pour \u00e9viter un refus de cr\u00e9dit, un courtier en pr\u00eat immobilier est une aide pr\u00e9cieuse pour constituer un dossier. Cet expert \u00e9tudie les meilleures options de financement et n\u00e9gocie l\u2019obtention d\u2019un pr\u00eat immobilier aux conditions les plus avantageuses.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Depuis le 1er janvier 2022, les r\u00e8gles en mati\u00e8re d\u2019octroi de cr\u00e9dits immobiliers ont chang\u00e9. Il est d\u00e9sormais plus difficile d\u2019obtenir l\u2019accord d\u2019un \u00e9tablissement de pr\u00eat notamment [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5088,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6230","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, focus sur les mesures du HCSF - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les conditions en mati\u00e8re d\u2019octroi de cr\u00e9dit se durcissent depuis le 1er janvier 2022. Quels sont les changements ? Comment ne pas \u00eatre exclu du pr\u00eat immo ?\" \/>\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-focus-sur-les-mesures-du-hcsf.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, focus sur les mesures du HCSF - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les conditions en mati\u00e8re d\u2019octroi de cr\u00e9dit se durcissent depuis le 1er janvier 2022. Quels sont les changements ? 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