{"id":6618,"date":"2022-06-28T11:03:43","date_gmt":"2022-06-28T09:03:43","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-06-28T11:03:45","modified_gmt":"2022-06-28T09:03:45","slug":"les-taux-de-credit-immobilier-pourraient-atteindre-2-a-3","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-de-credit-immobilier-pourraient-atteindre-2-a-3.html","title":{"rendered":"Les taux de cr\u00e9dit immobilier pourraient atteindre 2 \u00e0 3 %"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Une hausse progressive des <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">taux de cr\u00e9dit immobilier<\/a> est annonc\u00e9e par le gouverneur de la Banque de France. Un retour des taux \u00e0 2 % ou 3 % qui se veut n\u00e9anmoins rassurant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Une remont\u00e9e des taux progressive&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les taux de cr\u00e9dits immobiliers doivent poursuivre leur hausse pour revenir \u00e0 2 ou 3 %, comme l\u2019indique le gouverneur de la Banque de France, Fran\u00e7ois Villeroy de Galhau. Le rel\u00e8vement des taux s\u2019est amorc\u00e9 en d\u00e9but d\u2019ann\u00e9e pour s\u2019\u00e9tablir en moyenne entre +0,50 et +0,75 point de pourcentage. Pour le gouverneur, cette remont\u00e9e des taux doit se poursuivre de fa\u00e7on progressive, mais soutenue. Ainsi, Fran\u00e7ois Villeroy de Galhau estime que les taux devraient \u00eatre rehauss\u00e9s <strong>de 1 \u00e0 2 % dans les prochains mois.<\/strong>\u00a0\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Un contexte inflationniste<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cette hausse des taux de cr\u00e9dit immobilier est n\u00e9cessaire. Elle doit permettre de lutter contre l\u2019inflation qui est aujourd\u2019hui trop forte, \u00e0 un peu plus de 5 %. Une inflation trop importante, mais aussi trop large, car elle touche l\u2019ensemble des prix \u00e0 la consommation et pas seulement l\u2019\u00e9nergie. C\u2019est ce qui impose un retour \u00e0 la normalisation de la politique mon\u00e9taire. Ainsi, la Banque Centrale europ\u00e9enne (BCE) a annonc\u00e9 <strong>une hausse de 0,25 point des taux au mois de juillet.<\/strong> De plus, il est pr\u00e9vu <strong>une augmentation identique apr\u00e8s l\u2019\u00e9t\u00e9, au mois de septembre<\/strong>. Le gouverneur de la Banque de France a annonc\u00e9 que ce rel\u00e8vement \u00e9tait indispensable en indiquant \u00eatre : <em>\u00ab\u2009engag\u00e9s \u00e0 ce que le taux d\u2019inflation baisse pour s\u2019\u00e9tablir \u00e0 2 % \u00e0 moyen terme\u2009\u00bb.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Revenir \u00e0 des conditions de financement normales<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour le gouverneur de la Banque de France, <strong>un objectif de taux de cr\u00e9dit \u00e0 2 ou 3 %<\/strong> <strong>n\u2019a rien d\u2019exceptionnel<\/strong>. \u00ab\u2009On semble avoir un peu oubli\u00e9 que les conditions de financement affichaient un taux de 2 \u00e0 3 %\u2009\u00bb, ajoute-t-il d\u2019ailleurs. De plus, Fran\u00e7ois Villeroy de Galhau rappelle que par le pass\u00e9 ces conditions n\u2019ont pas p\u00e9nalis\u00e9 l\u2019immobilier qui a pu continuer \u00e0 se financer. Ainsi, le discours se veut plut\u00f4t apaisant. <em>\u00ab\u2009On s\u2019oriente vers des conditions plus normales de financement\u2009\u00bb<\/em>, ajoute enfin le gouverneur de la Banque de France, et ce apr\u00e8s avoir connu une phase o\u00f9 les taux \u00e9taient exceptionnellement favorables en raison notamment d\u2019une inflation trop faible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Face \u00e0 la remont\u00e9e des taux d\u2019emprunt, le recours \u00e0 un courtier en cr\u00e9dit immobilier est recommand\u00e9<\/strong>. La r\u00e9ussite d\u2019un projet immobilier passe par une pr\u00e9paration solide en amont. Gr\u00e2ce \u00e0 sa connaissance fine du cr\u00e9dit immobilier, cet expert aide \u00e0 optimiser le dossier de l\u2019emprunteur pour lui permettre de trouver les meilleures solutions de financement aux taux les plus avantageux.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une hausse progressive des taux de cr\u00e9dit immobilier est annonc\u00e9e par le gouverneur de la Banque de France. Un retour des taux \u00e0 2 % ou 3 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5407,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6618","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>Les taux de cr\u00e9dit immobilier pourraient atteindre 2 \u00e0 3 % - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La hausse des taux de cr\u00e9dit va atteindre 2 \u00e0 3 %. Une augmentation confirm\u00e9e par le gouverneur de la Banque de France et dont l\u2019objectif est de lutter contre l\u2019inflation.\" \/>\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\/les-taux-de-credit-immobilier-pourraient-atteindre-2-a-3.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les taux de cr\u00e9dit immobilier pourraient atteindre 2 \u00e0 3 % - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"La hausse des taux de cr\u00e9dit va atteindre 2 \u00e0 3 %. Une augmentation confirm\u00e9e par le gouverneur de la Banque de France et dont l\u2019objectif est de lutter contre l\u2019inflation.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-de-credit-immobilier-pourraient-atteindre-2-a-3.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-28T09:03:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-28T09:03:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/chiffres-immobilier.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\" 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