{"id":6254,"date":"2022-02-17T08:24:00","date_gmt":"2022-02-17T07:24:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-02-14T14:11:26","modified_gmt":"2022-02-14T13:11:26","slug":"la-production-de-credit-immobilier-atteint-des-sommets","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-production-de-credit-immobilier-atteint-des-sommets.html","title":{"rendered":"La production de cr\u00e9dit immobilier atteint des sommets"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Selon la Banque de France, les Fran\u00e7ais ont emprunt\u00e9 plus de 207 milliards d\u2019euros \u00e0 fin novembre 2021. Un record pour le cr\u00e9dit immobilier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Record historique pour le cr\u00e9dit immobilier&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sous l\u2019effet des conditions de cr\u00e9dit rest\u00e9es favorables tout au long de l\u2019ann\u00e9e 2021, les Fran\u00e7ais n\u2019ont jamais autant emprunt\u00e9. Plus de 252 milliards d\u2019euros, \u00e0 fin novembre 2021. Si l\u2019on exclut les ren\u00e9gociations, ce chiffre s\u2019\u00e9tablit \u00e0 207 milliards d\u2019euros, un record\u2009! Pour rappel, il \u00e9tait de 145 milliards en 2017 avec 43 % des pr\u00eats qui n\u2019\u00e9taient que des ren\u00e9gociations. Aujourd\u2019hui, ces derni\u00e8res ne repr\u00e9sentent que 18 %. Malgr\u00e9 les incertitudes \u00e9conomiques et sanitaires du march\u00e9 en 2021, le march\u00e9 immobilier affiche un dynamisme in\u00e9dit. Un signal fort qui indique que les banques ont maintenu leur politique offensive avec des taux bas en d\u00e9pit des recommandations du Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) qui pouvaient faire craindre l\u2019effet inverse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La production du <a href=\"https:\/\/www.acecredit.fr\/fr\/vos-questions.html\">cr\u00e9dit immobilier<\/a> en 2021 constitue un cru exceptionnel. \u00c0 ce titre, <strong>les financements ont atteint des sommets avec 1,2 million de transactions enregistr\u00e9es en 2021<\/strong>. Selon les estimations de la Banque de France, le montant total des emprunts devrait s\u2019\u00e9lever \u00e0 <strong>273 milliards d\u2019euros \u00e0 la fin de l\u2019ann\u00e9e 2021<\/strong>. Ce qui correspond \u00e0 une <strong>hausse de 8,3 % par rapport \u00e0 2020<\/strong>, et m\u00eame de 17 % si l\u2019on exclut les ren\u00e9gociations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Peu d\u2019\u00e9volution pour les emprunteurs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si l\u2019\u00e9pid\u00e9mie de coronavirus n\u2019est pas termin\u00e9e et que de nombreuses incertitudes \u00e9conomiques et politiques p\u00e8sent sur le march\u00e9 en 2022, les premiers indicateurs n\u2019indiquent pas de changement majeur. <strong>Le march\u00e9 devrait continuer \u00e0 bien se porter<\/strong>. Les banques devraient maintenir la strat\u00e9gie actuelle avec des taux qui restent favorables malgr\u00e9 les l\u00e9g\u00e8res augmentations enregistr\u00e9es en f\u00e9vrier par le barom\u00e8tre des taux Ace (entre 10 et 15 centimes). D\u2019autant plus que les recommandations du HCSF (Haut Conseil de stabilit\u00e9 financi\u00e8re) sont d\u00e9j\u00e0 prises en compte depuis plusieurs mois ce qui ne devrait pas influer sur l\u2019octroi de cr\u00e9dits. Pour rappel, ces mesures visent \u00e0 prot\u00e9ger les emprunteurs d\u2019une situation de surendettement en obligeant les banques \u00e0 limiter la dur\u00e9e des cr\u00e9dits immobiliers \u00e0 25 ans (jusqu\u2019\u00e0 27 ans dans le neuf ou l\u2019ancien avec d\u2019importants travaux) et \u00e0 ne pas d\u00e9passer un taux d\u2019endettement de 35 %, assurance comprise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Un march\u00e9 immobilier dynamique en 2022<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les professionnels de l\u2019immobilier d\u00e9peignent un <strong>secteur en pleine explosion en 2021<\/strong>. Un rythme <strong>qui devrait se poursuivre en 2022<\/strong>. Toutefois, l\u2019\u00e9volution in\u00e9dite des prix de l\u2019immobilier cumul\u00e9e au resserrement des conditions d\u2019octroi rend difficile l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 pour les plus fragiles. L\u2019afflux de nouveaux propri\u00e9taires en provenance des grands centres urbains fait grimper les prix des villes moyennes et des zones rurales. En qu\u00eate d\u2019espace et de nature, ces acqu\u00e9reurs des grandes m\u00e9tropoles risquent d\u2019exclure du march\u00e9 les emprunteurs les plus modestes. Dans un contexte de tension inflationniste, les banques risquent de durcir le ton. Pour <a href=\"https:\/\/www.acecredit.fr\/fr\/profil-emprunteur-ideal-pret-immobilier.html\">optimiser au mieux son dossier de demande<\/a>, il est fortement recommand\u00e9 de faire appel \u00e0 un expert. Un courtier en cr\u00e9dit immobilier permet, gr\u00e2ce \u00e0 son r\u00e9seau de partenaires et \u00e0 son savoir-faire, d\u2019optimiser le dossier de l\u2019emprunteur et de rechercher la solution de financement la plus avantageuse.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selon la Banque de France, les Fran\u00e7ais ont emprunt\u00e9 plus de 207 milliards d\u2019euros \u00e0 fin novembre 2021. Un record pour le cr\u00e9dit immobilier. Record historique pour [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4613,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6254","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>La production de cr\u00e9dit immobilier atteint des sommets - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Cr\u00e9dit Immobilier, taux d\u2019endettement record en 2021. 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