{"id":6671,"date":"2022-07-27T13:54:31","date_gmt":"2022-07-27T11:54:31","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-07-27T13:54:33","modified_gmt":"2022-07-27T11:54:33","slug":"quel-est-limpact-de-linflation-sur-limmobilier","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/quel-est-limpact-de-linflation-sur-limmobilier.html","title":{"rendered":"Quel est l\u2019impact de l\u2019inflation sur l\u2019immobilier\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pour contrer la pression inflationniste qui p\u00e8se sur les march\u00e9s, la Banque centrale europ\u00e9enne (BCE) amorce une remont\u00e9e des taux. Face \u00e0 ce resserrement de la politique mon\u00e9taire, quelles cons\u00e9quences sur le secteur immobilier\u2009?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Remont\u00e9e des taux d\u2019int\u00e9r\u00eat et co\u00fbt du cr\u00e9dit immobilier<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La hausse des taux d\u2019int\u00e9r\u00eat d\u00e9cid\u00e9e par la BCE vise \u00e0 r\u00e9guler l\u2019inflation qui s\u2019acc\u00e9l\u00e8re depuis le d\u00e9but de l\u2019ann\u00e9e 2022. Afin de limiter la hausse des prix, la pr\u00e9sidente de la BCE, Christine Lagarde, a confirm\u00e9 proc\u00e9der \u00e0 <strong>une augmentation progressive et soutenue des taux<\/strong>. Apr\u00e8s une premi\u00e8re r\u00e9\u00e9valuation d\u00e9but juillet, une nouvelle hausse interviendra en septembre. Une politique restrictive qui n\u2019est pas sans cons\u00e9quence sur le co\u00fbt du cr\u00e9dit immobilier. En effet, les <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">taux d\u2019emprunt immobilier<\/a> augmentent dans le sillage du mouvement haussier des taux de la BCE. Comme en t\u00e9moignent les chiffres de l\u2019Observatoire Cr\u00e9dit Logement\/CSA, qui r\u00e9v\u00e8lent une hausse des taux moyens des pr\u00eats de 32 points de base, toutes dur\u00e9es confondues. Depuis d\u00e9cembre 2021, les taux moyens des pr\u00eats sont ainsi pass\u00e9s de 1,06 % \u00e0 1,38 % en mai 2022. Une remont\u00e9e qui devrait se poursuivre jusqu\u2019\u00e0 la fin de l\u2019ann\u00e9e pour atteindre 2 %, en moyenne sur 20 ans, selon les donn\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>L\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 avec la hausse des prix immobiliers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avec l\u2019inflation galopante et la hausse des prix des logements, le pouvoir d\u2019achat des m\u00e9nages en France est en baisse. La Banque de France souligne d\u2019ailleurs <strong>une augmentation de 10 % des incidents de remboursement des pr\u00eats en avril<\/strong>, sur un an. Preuve que la situation financi\u00e8re des Fran\u00e7ais se d\u00e9grade face \u00e0 la mont\u00e9e des prix. D\u2019autant plus que l\u2019acc\u00e8s au cr\u00e9dit immobilier se complique entre la hausse des taux immobilier et le durcissement des conditions d\u2019octroi. En outre, les \u00e9tablissements bancaires restent contraints par les taux d\u2019usure. Ce taux maximal marque en effet la limite au-del\u00e0 de laquelle les banques ne peuvent pas pr\u00eater. La l\u00e9g\u00e8re remont\u00e9e du taux d\u2019usure au 1<sup>er<\/sup> juillet dernier semble insuffisante pour d\u00e9bloquer le march\u00e9 et de plus en plus de Fran\u00e7ais sont exclus du cr\u00e9dit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Vers un ralentissement probable du march\u00e9 immobilier<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Autre constat : les indicateurs font \u00e9tat d\u2019un ralentissement du march\u00e9 immobilier. Selon les r\u00e9gions et la qualit\u00e9 du bien, les d\u00e9lais de vente se rallongent et les n\u00e9gociations de prix immobilier sont de retour. Sous l\u2019effet de l\u2019inflation et de l\u2019augmentation des taux, il est <strong>probable que les prix immobiliers reculent<\/strong>. Bien entendu, cela ne concerne pas les biens rares dont la fixation de prix reste \u00e0 part comme pour un appartement avec vue exceptionnelle dans le quartier de Saint-Germain-des-Pr\u00e9s \u00e0 Paris. Avec une inflation \u00e0 plus de 5 %, le cr\u00e9dit reste n\u00e9anmoins favorable aux emprunteurs en d\u00e9pit de la hausse des taux fixes. En effet, les candidats \u00e0 l\u2019emprunt immobilier peuvent souscrire un cr\u00e9dit \u00e0 un taux largement inf\u00e9rieur \u00e0 celui de l\u2019inflation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour contrer la pression inflationniste qui p\u00e8se sur les march\u00e9s, la Banque centrale europ\u00e9enne (BCE) amorce une remont\u00e9e des taux. Face \u00e0 ce resserrement de la politique [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6676,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6671","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>Quel est l\u2019impact de l\u2019inflation sur l\u2019immobilier\u2009? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Face au retour de l\u2019inflation et au resserrement de la politique mon\u00e9taire, les cons\u00e9quences sur le march\u00e9 immobilier sont nombreuses.\" \/>\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\/quel-est-limpact-de-linflation-sur-limmobilier.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quel est l\u2019impact de l\u2019inflation sur l\u2019immobilier\u2009? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Face au retour de l\u2019inflation et au resserrement de la politique mon\u00e9taire, les cons\u00e9quences sur le march\u00e9 immobilier sont nombreuses.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/quel-est-limpact-de-linflation-sur-limmobilier.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2022-07-27T11:54:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-27T11:54:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/inflation.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"906\" \/>\n\t<meta property=\"og:image:height\" content=\"604\" \/>\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\\\/quel-est-limpact-de-linflation-sur-limmobilier.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/quel-est-limpact-de-linflation-sur-limmobilier.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Quel est l\u2019impact de l\u2019inflation sur l\u2019immobilier\u2009?\",\"datePublished\":\"2022-07-27T11:54:31+00:00\",\"dateModified\":\"2022-07-27T11:54:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/quel-est-limpact-de-linflation-sur-limmobilier.html\"},\"wordCount\":552,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/quel-est-limpact-de-linflation-sur-limmobilier.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/inflation.jpeg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/quel-est-limpact-de-linflation-sur-limmobilier.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/inflation.jpeg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/inflation.jpeg\",\"width\":906,\"height\":604,\"caption\":\"Coin to stack money, financial Business Growth. 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