{"id":6791,"date":"2022-09-27T08:10:00","date_gmt":"2022-09-27T06:10:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-09-26T10:43:55","modified_gmt":"2022-09-26T08:43:55","slug":"pret-immobilier-le-retour-du-credit-a-taux-variable","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html","title":{"rendered":"Pr\u00eat immobilier : le retour du cr\u00e9dit \u00e0 taux variable"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Alors que le contexte \u00e9conomique complique les conditions d\u2019acc\u00e8s au cr\u00e9dit, les banques trouvent des solutions avec le retour du pr\u00eat \u00e0 taux variable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Un acc\u00e8s au cr\u00e9dit compliqu\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019effet ciseau, avec d\u2019un c\u00f4t\u00e9 la remont\u00e9e des taux et de l\u2019autre un taux d\u2019usure trop faible, emp\u00eache de nombreux emprunteurs de d\u00e9crocher un cr\u00e9dit. Et pour cause, avec un taux fixe qui s\u2019\u00e9tablit aujourd\u2019hui rarement en dessous des 2 %, <strong>les candidats \u00e0 l\u2019emprunt d\u00e9passent rapidement le seuil de l\u2019usure<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">R\u00e9sultat\u2009? De plus en plus d\u2019emprunteurs sont exclus du cr\u00e9dit malgr\u00e9 leur solvabilit\u00e9. Pour soutenir le march\u00e9 et permettre la r\u00e9alisation de projets immobiliers, certains \u00e9tablissements bancaires n\u2019h\u00e9sitent pas \u00e0 s\u2019adapter en proposant des solutions, notamment le <strong>retour des taux variables ou mixtes<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Le pr\u00eat \u00e0 taux variable pour faciliter l\u2019emprunt<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 ce constat, l\u2019enjeu est que le Taux Annuel Effectif Global (TAEG) ne d\u00e9passe pas le plafond fix\u00e9 par le taux d\u2019usure. Pour rappel, <strong>le TAEG comprend \u00e0 la fois le taux d\u2019int\u00e9r\u00eat nominal et les frais li\u00e9s au cr\u00e9dit <\/strong>comme les frais de garantie, les frais de dossier ou l\u2019assurance emprunteur. Le seuil de l\u2019usure est encore \u00e0 2,57 % pour les pr\u00eats de 20 ans et plus jusqu\u2019\u00e0 sa r\u00e9\u00e9valuation au 1<sup>er<\/sup> octobre prochain. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, en obtenant un taux fixe \u00e0 2,25 % remboursable sur 25 ans, un primo-acc\u00e9dant ne pourrait d\u00e9crocher un cr\u00e9dit compte tenu de l\u2019assurance de pr\u00eat et des frais de dossier puisqu\u2019il d\u00e9passerait alors le taux d\u2019usure. Or, avec un taux variable qui d\u00e9marre \u00e0 un taux plus faible (autour de 1,69 % sur 25 ans), ce m\u00eame emprunteur a toutes les chances d\u2019acc\u00e9der au cr\u00e9dit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>La solution des taux variables cap\u00e9s ou mixtes pour obtenir un pr\u00eat<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>retour des pr\u00eats \u00e0 taux variables cap\u00e9s<\/strong> est une option qui permet de faciliter l\u2019acc\u00e8s au cr\u00e9dit \u00e0 un taux attractif r\u00e9visable \u00e0 la hausse ou \u00e0 la baisse selon l\u2019\u00e9volution des taux. Cette variation du taux cr\u00e9e une forme d\u2019al\u00e9a sur le co\u00fbt global du cr\u00e9dit qui d\u00e9pla\u00eet g\u00e9n\u00e9ralement aux emprunteurs. Il faut toutefois souligner que ces taux sont limit\u00e9s par le cap, selon les modalit\u00e9s fix\u00e9es par le contrat. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autre solution, <strong>le pr\u00eat \u00e0 taux mixte avec un taux fixe sur les 10 premi\u00e8res ann\u00e9es<\/strong> de remboursement pour un emprunt sur 20 ans par exemple et variable par la suite. Une option int\u00e9ressante quand on sait qu\u2019en moyenne la dur\u00e9e de d\u00e9tention d\u2019un cr\u00e9dit immobilier est de neuf ans. L\u2019emprunt sera donc termin\u00e9 avant m\u00eame l\u2019application du taux variable. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Encore faut-il que le candidat \u00e0 l\u2019emprunt pr\u00e9sente un dossier solide. En effet, dans un contexte de march\u00e9 peu propice avec des conditions d\u2019acc\u00e8s au cr\u00e9dit de plus en plus complexe, <strong>le recours \u00e0 un courtier devient incontournable<\/strong>. Ce professionnel accompagne l\u2019emprunteur tout au long du projet immobilier depuis la consolidation de la demande de financement jusqu\u2019au d\u00e9blocage de l\u2019emprunt n\u00e9goci\u00e9 au <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">meilleur taux<\/a>.\u00a0\u00a0\u00a0\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Alors que le contexte \u00e9conomique complique les conditions d\u2019acc\u00e8s au cr\u00e9dit, les banques trouvent des solutions avec le retour du pr\u00eat \u00e0 taux variable. Un acc\u00e8s au [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6795,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6791","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>Pr\u00eat immobilier : le retour du cr\u00e9dit \u00e0 taux variable - Ace Cr\u00e9dit<\/title>\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\/pret-immobilier-le-retour-du-credit-a-taux-variable.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00eat immobilier : le retour du cr\u00e9dit \u00e0 taux variable - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Alors que le contexte \u00e9conomique complique les conditions d\u2019acc\u00e8s au cr\u00e9dit, les banques trouvent des solutions avec le retour du pr\u00eat \u00e0 taux variable. Un acc\u00e8s au [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-27T06:10:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/rendez-vous-bancaire.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"905\" \/>\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\\\/pret-immobilier-le-retour-du-credit-a-taux-variable.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/pret-immobilier-le-retour-du-credit-a-taux-variable.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Pr\u00eat immobilier : le retour du cr\u00e9dit \u00e0 taux variable\",\"datePublished\":\"2022-09-27T06:10:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/pret-immobilier-le-retour-du-credit-a-taux-variable.html\"},\"wordCount\":560,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/pret-immobilier-le-retour-du-credit-a-taux-variable.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/rendez-vous-bancaire.jpeg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/pret-immobilier-le-retour-du-credit-a-taux-variable.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/rendez-vous-bancaire.jpeg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/rendez-vous-bancaire.jpeg\",\"width\":905,\"height\":604,\"caption\":\"Courtier en cr\u00e9dit\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/pret-immobilier-le-retour-du-credit-a-taux-variable.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pr\u00eat immobilier : le retour du cr\u00e9dit \u00e0 taux variable\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pr\u00eat immobilier : le retour du cr\u00e9dit \u00e0 taux variable - Ace Cr\u00e9dit","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html","og_locale":"fr_FR","og_type":"article","og_title":"Pr\u00eat immobilier : le retour du cr\u00e9dit \u00e0 taux variable - Ace Cr\u00e9dit","og_description":"Alors que le contexte \u00e9conomique complique les conditions d\u2019acc\u00e8s au cr\u00e9dit, les banques trouvent des solutions avec le retour du pr\u00eat \u00e0 taux variable. Un acc\u00e8s au [&hellip;]","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2022-09-27T06:10:00+00:00","og_image":[{"width":905,"height":604,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/rendez-vous-bancaire.jpeg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Pr\u00eat immobilier : le retour du cr\u00e9dit \u00e0 taux variable","datePublished":"2022-09-27T06:10:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html"},"wordCount":560,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/rendez-vous-bancaire.jpeg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/rendez-vous-bancaire.jpeg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/rendez-vous-bancaire.jpeg","width":905,"height":604,"caption":"Courtier en cr\u00e9dit"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/pret-immobilier-le-retour-du-credit-a-taux-variable.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Pr\u00eat immobilier : le retour du cr\u00e9dit \u00e0 taux variable"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/6791","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=6791"}],"version-history":[{"count":3,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/6791\/revisions"}],"predecessor-version":[{"id":6801,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/6791\/revisions\/6801"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/6795"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=6791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=6791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=6791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}