{"id":6710,"date":"2022-08-10T12:13:54","date_gmt":"2022-08-10T10:13:54","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-08-10T12:13:56","modified_gmt":"2022-08-10T10:13:56","slug":"hausse-taux-credit-immobilier-aout-2022","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/hausse-taux-credit-immobilier-aout-2022.html","title":{"rendered":"Hausse des taux de cr\u00e9dit immobilier en ao\u00fbt 2022"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">En ce mois d\u2019ao\u00fbt 2022, les taux de cr\u00e9dit immobilier poursuivent leur mouvement haussier. Un ph\u00e9nom\u00e8ne accentu\u00e9 par la p\u00e9riode de cong\u00e9 d\u2019\u00e9t\u00e9 durant laquelle les banques freinent le traitement de dossiers de demandes de pr\u00eats en attendant le retour de leurs effectifs. Toutefois, les taux restent toujours favorables pour les candidats \u00e0 l\u2019emprunt.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Les taux d\u2019emprunt s\u2019envolent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il est \u00e0 noter que l\u2019augmentation des taux reste limit\u00e9e par le taux d\u2019usure qui demeure \u00e0 une valeur tr\u00e8s faible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, les taux moyens affichent des niveaux en hausse en ce mois d\u2019ao\u00fbt :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>sur 7 ans, le taux du march\u00e9 grimpe de 0,35 point pour atteindre 1,50 %\u2009;<\/li><li>sur 10 ans, le taux moyen s\u2019envole et passe de 1,30 % \u00e0 1,60 %\u2009;<\/li><li>sur 15 ans, le taux du march\u00e9 augmente de 20 centimes pour s\u2019\u00e9tablir \u00e0 1,70 %\u2009;<\/li><li>sur 20 ans, le taux moyen du march\u00e9 passe de 1,70 % \u00e0 1,85 %\u2009;<\/li><li>sur 25 ans, le taux moyen atteint la barre symbolique de 2 %.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Toutes les dur\u00e9es enregistrent des hausses de 10 \u00e0 35 centimes pour les taux de cr\u00e9dit immobilier moyens. Le constat est identique pour les meilleurs taux puisqu\u2019ils augmentent tous. \u00c0 titre d\u2019exemple, le meilleur taux de cr\u00e9dit immobilier sur 20 ans s\u2019\u00e9tablit \u00e0 1,40 % (+30 centimes).&nbsp; <\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Flash des taux - Aout 2022\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/VlfRip6ehvw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Le thermom\u00e8tre grimpe&nbsp; <a><\/a>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le choc inflationniste est en partie responsable de la hausse des taux tout comme la progression des OAT (Obligations Assimilables du Tr\u00e9sor) depuis le d\u00e9but de l\u2019ann\u00e9e comme nous l\u2019expliquions le mois dernier. Mais le r\u00e9cent repli des taux obligataires 10 ans \u00e0 <strong>1,35 % apr\u00e8s un taux de 2,35 %<\/strong> au mois de juin 2022 permet toutefois de redonner du souffle au march\u00e9 du cr\u00e9dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019autant plus que la r\u00e9\u00e9valuation des taux d\u2019usure permet aux banques d\u2019augmenter leur marge de man\u0153uvre. Par ailleurs, il faut \u00e9galement souligner que malgr\u00e9 le contexte haussier, certains d\u2019\u00e9tablissements continuent \u00e0 proposer des taux avantageux pour attirer les meilleurs profils.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Obtenir des conditions d\u2019emprunt avantageuses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La remont\u00e9e des taux amorc\u00e9e depuis janvier 2022 devrait se poursuivre dans les mois qui suivent selon les r\u00e9centes d\u00e9clarations du Gouverneur de la Banque de France. En effet, <strong>les taux devraient atteindre en fin d\u2019ann\u00e9e 3 % environ.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois le contexte actuel, les \u00e9tablissements acceptent de rogner sur leurs marges pour attirer les meilleurs dossiers. &nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, optimiser son dossier de demande de pr\u00eat est primordial si l\u2019emprunteur souhaite augmenter ses chances d\u2019\u00eatre financ\u00e9 dans les meilleures conditions. Il est recommand\u00e9 de <strong>faire appel \u00e0 un courtier en pr\u00eat immobilier<\/strong>. Ce professionnel, gr\u00e2ce \u00e0 son r\u00e9seau et sa connaissance fine du cr\u00e9dit saura orienter l\u2019emprunteur vers l\u2019organisme le plus \u00e0 m\u00eame de le financer au meilleur taux. N&rsquo;h\u00e9sitez pas \u00e0 faire une <a href=\"https:\/\/www.acecredit.fr\/fr\/credit-immobilier-en-ligne.html\">demande de cr\u00e9dit immobilier<\/a> aupr\u00e8s d&rsquo;Ace Cr\u00e9dit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En ce mois d\u2019ao\u00fbt 2022, les taux de cr\u00e9dit immobilier poursuivent leur mouvement haussier. Un ph\u00e9nom\u00e8ne accentu\u00e9 par la p\u00e9riode de cong\u00e9 d\u2019\u00e9t\u00e9 durant laquelle les banques [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5363,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6710","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>Nouvelle hausse des taux de pr\u00eat immobilier en ao\u00fbt 2022<\/title>\n<meta name=\"description\" content=\"La tendance haussi\u00e8re se poursuit en ce mois d\u2019ao\u00fbt 2022 avec des taux moyens compris entre 1,50 % et 2 % sur 25 ans.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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