{"id":6608,"date":"2022-06-21T10:09:07","date_gmt":"2022-06-21T08:09:07","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-06-21T10:09:09","modified_gmt":"2022-06-21T08:09:09","slug":"credit-immobilier-bercy-se-dit-pret-a-faire-evoluer-le-taux-dusure","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-bercy-se-dit-pret-a-faire-evoluer-le-taux-dusure.html","title":{"rendered":"Cr\u00e9dit immobilier\u00a0: Bercy se dit pr\u00eat \u00e0 faire \u00e9voluer le taux d\u2019usure"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La hausse des taux d\u2019emprunt se poursuit et ne se r\u00e9percute toujours pas sur les taux d\u2019usure. Une situation qui freine de nombreux emprunteurs qui sont \u00e9cart\u00e9s du cr\u00e9dit. Bercy assure se pencher sur la question.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>La hausse des taux d\u2019emprunt se poursuit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sans surprise, <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">les taux de cr\u00e9dit immobilier<\/a> continuent de progresser apr\u00e8s avoir atteint leur plus bas. En juin 2021, les m\u00e9nages pouvaient emprunter \u00e0 1,05 % en moyenne, toutes dur\u00e9es confondues. D\u00e9sormais, <strong>la tendance est \u00e0 la hausse depuis d\u00e9but 2022<\/strong> et les taux affichent une moyenne de 1,37 % sur 25 ans en avril et de 1,25 % sur 20 ans, selon les chiffres de l\u2019Observatoire Cr\u00e9dit Logement CSA. Autre param\u00e8tre qui complique l\u2019acc\u00e8s au cr\u00e9dit : la baisse du taux d\u2019usure. En effet, le taux d\u2019usure ne r\u00e9percute pas encore la remont\u00e9e des taux d\u2019emprunt et s\u2019\u00e9l\u00e8ve, au 1<sup>er <\/sup>avril, \u00e0 2,40 % pour les pr\u00eats de 20 ans, contre 2,41 % au trimestre dernier. Ce taux d\u2019usure marque le plafond au-del\u00e0 duquel les banques ne peuvent octroyer un pr\u00eat. Un seuil qui est destin\u00e9 initialement \u00e0 prot\u00e9ger les m\u00e9nages de taux d\u2019emprunt abusifs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>La probl\u00e9matique du taux de l\u2019usure<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mais si ce repli des taux d\u2019usure semble \u00eatre une bonne nouvelle pour les emprunteurs, en r\u00e9alit\u00e9, ils privent certaines cat\u00e9gories d\u2019emprunteur de l\u2019acc\u00e8s au pr\u00eat immobilier. Le probl\u00e8me provient du calcul du taux d\u2019usure. Celui-ci est fix\u00e9 par la Banque de France qui se base sur la moyenne des taux de cr\u00e9dits accord\u00e9s durant le dernier trimestre, major\u00e9e d\u2019un tiers. Concr\u00e8tement, des taux immobiliers tr\u00e8s bas qui reprennent le chemin de la hausse et un taux d\u2019usure qui continue de baisser d\u00fb au d\u00e9calage dans le calcul cr\u00e9e <strong>un effet ciseau qui exclut certains m\u00e9nages du financement.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi si leur taux annuel effectif global (TAEG) est sup\u00e9rieur au taux d\u2019usure, il n\u2019est pas possible pour eux d\u2019emprunter. Pour rappel, le TAEG int\u00e8gre non seulement le taux nominal propos\u00e9 par les banques, mais aussi l\u2019ensemble des autres co\u00fbts li\u00e9s au cr\u00e9dit (assurance emprunteur, frais de dossier, garantie, etc.). Actuellement, l\u2019\u00e9cart entre les taux moyens appliqu\u00e9s par les banques et le plafond de l\u2019usure est faible. Raison pour laquelle il devient difficile pour certains m\u00e9nages d\u2019obtenir un pr\u00eat immobilier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Bercy travaille \u00e0 des solutions rapides pour l\u2019acc\u00e8s au cr\u00e9dit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cette probl\u00e9matique du seuil de l\u2019usure pr\u00e9occupe Bercy qui semble pr\u00eat \u00e0 faire \u00e9voluer la formule des taux d\u2019usure. Le minist\u00e8re de l\u2019\u00c9conomie a ainsi confirm\u00e9 <em>\u00ab\u2009travailler \u00e0 des solutions rapides pour tenir compte de l\u2019impact de la remont\u00e9e des taux d\u2019emprunt sur les taux d\u2019usure\u2009\u00bb<\/em>. Bercy s\u2019est d\u2019ailleurs entretenu fin mai 2022 avec la F\u00e9d\u00e9ration bancaire fran\u00e7aise afin de <strong>trouver \u00e0 terme le juste \u00e9quilibre entre la protection des consommateurs et l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La hausse des taux d\u2019emprunt se poursuit et ne se r\u00e9percute toujours pas sur les taux d\u2019usure. Une situation qui freine de nombreux emprunteurs qui sont \u00e9cart\u00e9s [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5224,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6608","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\u00a0: Bercy se dit pr\u00eat \u00e0 faire \u00e9voluer le taux d\u2019usure - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Le pr\u00eat immobilier rendu accessible. Bercy est en discussion pour faire \u00e9voluer le calcul du taux de l\u2019usure et faciliter l\u2019acc\u00e8s au cr\u00e9dit immobilier.\" \/>\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-bercy-se-dit-pret-a-faire-evoluer-le-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\u00a0: Bercy se dit pr\u00eat \u00e0 faire \u00e9voluer le taux d\u2019usure - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Le pr\u00eat immobilier rendu accessible. Bercy est en discussion pour faire \u00e9voluer le calcul du taux de l\u2019usure et faciliter l\u2019acc\u00e8s au cr\u00e9dit immobilier.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-bercy-se-dit-pret-a-faire-evoluer-le-taux-dusure.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-21T08:09:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-21T08:09:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logements-anciens.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"684\" \/>\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=\"3 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\\\/credit-immobilier-bercy-se-dit-pret-a-faire-evoluer-le-taux-dusure.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-bercy-se-dit-pret-a-faire-evoluer-le-taux-dusure.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Cr\u00e9dit immobilier\u00a0: Bercy se dit pr\u00eat \u00e0 faire \u00e9voluer le taux 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