{"id":7046,"date":"2022-12-28T18:13:52","date_gmt":"2022-12-28T17:13:52","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-12-28T18:13:53","modified_gmt":"2022-12-28T17:13:53","slug":"credit-nouveau-taux-d-usure-janvier-2023","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-nouveau-taux-d-usure-janvier-2023.html","title":{"rendered":"Cr\u00e9dit immobilier : le nouveau taux d&rsquo;usure augmente et passe \u00e0 3,57 % d\u00e8s janvier 2023"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">L\u2019avis publi\u00e9 ce mercredi dans le Journal officiel, d\u00e9voile le nouveau taux d&rsquo;usure. Il passe de 3,03% \u00e0 3,41% pour un emprunt inf\u00e9rieur \u00e0 10 ans,<strong> de 3,03% \u00e0 3,53% pour un emprunt entre 10 et 20 ans<\/strong> et <strong>de 3,05 % \u00e0 3,57 % pour un emprunt de 20 ans et plus<\/strong>. Ces nouveaux taux seront effectifs au 1<sup>er<\/sup> janvier 2023. Une hausse tant attendue par les professionnels de l\u2019immobilier ! Voici pourquoi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un effet ciseau\u2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux d\u2019usure d\u00e9signe le taux maximum auquel les banques peuvent financer leurs clients. C\u2019est le TAEG (taux annuel effectif global) qui ne doit pas d\u00e9passer ce taux d\u2019usure. Pour rappel le TAEG est compos\u00e9 du taux nominal (taux d\u2019int\u00e9r\u00eat bancaire) ainsi que diff\u00e9rents frais inh\u00e9rents au cr\u00e9dit comme l\u2019assurance emprunteur ou les frais de dossier. Fix\u00e9 tous les trimestres par la Banque de France, le taux d\u2019usure est calcul\u00e9 sur la moyenne des taux pratiqu\u00e9s par les banques durant les 3 derniers mois et augment\u00e9e d\u2019un tiers. Probl\u00e8me, ce taux d\u2019usure \u00e9volue chaque trimestre alors que les taux d\u2019int\u00e9r\u00eats, eux, augmentent de mani\u00e8re soutenue tous les mois. R\u00e9sultat, <strong>plusieurs dossiers se retrouvent exclus par un effet ciseau<\/strong>. Une probl\u00e9matique qui est momentan\u00e9ment r\u00e9solue gr\u00e2ce \u00e0 la hausse du taux d\u2019usure appliqu\u00e9e \u00e0 partir du 1<sup>er<\/sup> janvier 2023.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u2026 que les banques tentent pourtant de contourner<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ouvertes au financement malgr\u00e9 les conditions actuelles, les banques continuent de financer les emprunteurs tant que possible. Mais gr\u00e2ce \u00e0 cette r\u00e9\u00e9valuation du taux d\u2019usure, elles vont pouvoir financer de mani\u00e8re plus saine les dossiers les plus solides. C\u2019est pourquoi il est aujourd\u2019hui plus que jamais important de <strong>faire appel \u00e0 un courtier en cr\u00e9dit immobilier<\/strong>. Cet expert en financement conseille l\u2019emprunteur sur la mani\u00e8re d\u2019optimiser son dossier. Il oriente \u00e9galement l\u2019emprunteur vers l\u2019organisme qui propose la meilleure offre et n\u00e9gocie pour lui le meilleur taux et les meilleures conditions selon son profil et son projet. \u00a0Son accompagnement se poursuit jusqu&rsquo;au d\u00e9blocage des fonds. Le courtier en cr\u00e9dit immobilier est la garantie d&rsquo;un projet r\u00e9ussi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019avis publi\u00e9 ce mercredi dans le Journal officiel, d\u00e9voile le nouveau taux d&rsquo;usure. Il passe de 3,03% \u00e0 3,41% pour un emprunt inf\u00e9rieur \u00e0 10 ans, de [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7002,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7046","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 : augmentation du taux d&#039;usure au 1er janvier 2023<\/title>\n<meta name=\"description\" content=\"Le taux d&#039;usure augmente au 1er janvier 2023. Une occasion \u00e0 saisir pour tous les candidats \u00e0 l&#039;emprunt souhaitant concr\u00e9tiser leur projet.\" \/>\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-nouveau-taux-d-usure-janvier-2023.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit : augmentation du taux d&#039;usure au 1er janvier 2023\" \/>\n<meta property=\"og:description\" content=\"Le taux d&#039;usure augmente au 1er janvier 2023. Une occasion \u00e0 saisir pour tous les candidats \u00e0 l&#039;emprunt souhaitant concr\u00e9tiser leur projet.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-nouveau-taux-d-usure-janvier-2023.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-28T17:13:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-28T17:13:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/illustration-taux.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\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=\"2 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-nouveau-taux-d-usure-janvier-2023.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-nouveau-taux-d-usure-janvier-2023.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Cr\u00e9dit immobilier : le nouveau taux d&rsquo;usure augmente et passe \u00e0 3,57 % d\u00e8s janvier 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