{"id":7083,"date":"2023-01-20T14:26:03","date_gmt":"2023-01-20T13:26:03","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-01-22T10:23:28","modified_gmt":"2023-01-22T09:23:28","slug":"credit-revision-mensuelle-taux-usure-officielle","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html","title":{"rendered":"Cr\u00e9dit immobilier : la r\u00e9vision mensuelle du taux d\u2019usure enfin officielle !"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Apr\u00e8s des mois de sensibilisation, la Banque de France a finalement accept\u00e9 d\u2019ajuster temporairement les r\u00e8gles de calcul du taux d\u2019usure. Habituellement fix\u00e9s tous les trimestres, le taux d\u2019usure sera bient\u00f4t revaloris\u00e9 tous les mois pour \u00eatre plus en phase avec l\u2019\u00e9volution des taux d\u2019int\u00e9r\u00eats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>R\u00e9forme temporaire du taux d\u2019usure<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bercy donne finalement son feu vert pour une r\u00e9\u00e9valuation mensuelle du taux d\u2019usure, qui fixe le taux maximal auquel les banques peuvent pr\u00eater. La mobilisation des professionnels du cr\u00e9dit immobilier, qui alertent depuis des mois sur les risques de blocage du march\u00e9 avec la remont\u00e9e trop rapide des taux, a finalement abouti. Apr\u00e8s avoir convaincu Bruno Le Maire, ministre de l\u2019\u00c9conomie, voici que la Banque de France accepte provisoirement de revaloriser plus souvent le taux d\u2019usure. D\u00e9sormais, <strong>il sera r\u00e9vis\u00e9 chaque mois alors qu\u2019il \u00e9tait jusqu\u2019ici calcul\u00e9 chaque trimestre par l\u2019institution<\/strong>. Cette d\u00e9cision a \u00e9t\u00e9 <a href=\"https:\/\/www.banque-france.fr\/communique-de-presse\/la-banque-de-france-propose-pour-une-duree-limitee-un-ajustement-mensuel-des-taux-dusure-compter-du\" target=\"_blank\" rel=\"noreferrer noopener\">officialis\u00e9e aujourd&rsquo;hui par un communiqu\u00e9 de la Banque de France<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Une r\u00e9vision du taux d\u2019usure chaque mois<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour la premi\u00e8re fois, la Banque de France va donc d\u00e9roger temporairement au calcul trimestriel. <strong>Du 1er f\u00e9vrier au 1er juillet<\/strong>, l\u2019institution devra donc les r\u00e9\u00e9valuer chaque mois, sur la base, toujours, de <strong>la moyenne des taux pratiqu\u00e9s durant le trimestre pr\u00e9c\u00e9dent<\/strong>. Comme l\u2019a indiqu\u00e9 le gouverneur de la Banque de France, Fran\u00e7ois Villeroy de Galhau, le 11 janvier, devant la commission des finances du S\u00e9nat : \u00ab\u2009Au lieu de faire cette hausse une fois en fin de trimestre avec une grosse marche\u2026 on ferait trois plus petites marches\u2009\u00bb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Une mesure qui va assouplir l\u2019acc\u00e8s au cr\u00e9dit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cet ajustement provisoire est une bonne nouvelle, car cela <strong>permet de r\u00e9pondre au d\u00e9calage<\/strong> qui existe entre la rapide mont\u00e9e des taux du march\u00e9 et un taux d\u2019usure fix\u00e9 pour trois mois. Car, pour rappel, c\u2019est le taux d\u2019int\u00e9r\u00eat mais aussi les frais relatifs au cr\u00e9dit immobilier (assurance, garantie, etc.) qui doivent respecter le taux d\u2019usure, fix\u00e9 \u00e0 3,57 % depuis d\u00e9but janvier pour les pr\u00eats sur 20 ans et plus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bercy indique \u00e0 l\u2019AFP que cette mensualisation du taux d\u2019usure va permettre de prot\u00e9ger le consommateur et \u00e9viter que celui-ci ne devienne \u00ab\u2009un facteur de rationnement de l\u2019offre de cr\u00e9dit\u2009\u00bb.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apr\u00e8s des mois de sensibilisation, la Banque de France a finalement accept\u00e9 d\u2019ajuster temporairement les r\u00e8gles de calcul du taux d\u2019usure. Habituellement fix\u00e9s tous les trimestres, le [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7094,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7083","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 : officialisation de la r\u00e9vision mensuelle du taux d&#039;usure<\/title>\n<meta name=\"description\" content=\"Taux d\u2019usure, la r\u00e9vision mensuelle est adopt\u00e9e. Le calcul du seuil d\u2019usure est modifi\u00e9 pour d\u00e9bloquer le cr\u00e9dit immobilier.\" \/>\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-revision-mensuelle-taux-usure-officielle.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit : officialisation de la r\u00e9vision mensuelle du taux d&#039;usure\" \/>\n<meta property=\"og:description\" content=\"Taux d\u2019usure, la r\u00e9vision mensuelle est adopt\u00e9e. Le calcul du seuil d\u2019usure est modifi\u00e9 pour d\u00e9bloquer le cr\u00e9dit immobilier.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-20T13:26:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-22T09:23:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/banque-de-france.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-revision-mensuelle-taux-usure-officielle.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-revision-mensuelle-taux-usure-officielle.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Cr\u00e9dit immobilier : la r\u00e9vision mensuelle du taux d\u2019usure enfin officielle !\",\"datePublished\":\"2023-01-20T13:26:03+00:00\",\"dateModified\":\"2023-01-22T09:23:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-revision-mensuelle-taux-usure-officielle.html\"},\"wordCount\":427,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-revision-mensuelle-taux-usure-officielle.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/banque-de-france.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-revision-mensuelle-taux-usure-officielle.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/banque-de-france.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/banque-de-france.jpg\",\"width\":1200,\"height\":800,\"caption\":\"Banque de France\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-revision-mensuelle-taux-usure-officielle.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit immobilier : la r\u00e9vision mensuelle du taux d\u2019usure enfin officielle !\"}]},{\"@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":"Cr\u00e9dit : officialisation de la r\u00e9vision mensuelle du taux d'usure","description":"Taux d\u2019usure, la r\u00e9vision mensuelle est adopt\u00e9e. Le calcul du seuil d\u2019usure est modifi\u00e9 pour d\u00e9bloquer le cr\u00e9dit immobilier.","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\/credit-revision-mensuelle-taux-usure-officielle.html","og_locale":"fr_FR","og_type":"article","og_title":"Cr\u00e9dit : officialisation de la r\u00e9vision mensuelle du taux d'usure","og_description":"Taux d\u2019usure, la r\u00e9vision mensuelle est adopt\u00e9e. Le calcul du seuil d\u2019usure est modifi\u00e9 pour d\u00e9bloquer le cr\u00e9dit immobilier.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2023-01-20T13:26:03+00:00","article_modified_time":"2023-01-22T09:23:28+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/banque-de-france.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Cr\u00e9dit immobilier : la r\u00e9vision mensuelle du taux d\u2019usure enfin officielle !","datePublished":"2023-01-20T13:26:03+00:00","dateModified":"2023-01-22T09:23:28+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html"},"wordCount":427,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/banque-de-france.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/banque-de-france.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/banque-de-france.jpg","width":1200,"height":800,"caption":"Banque de France"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dit immobilier : la r\u00e9vision mensuelle du taux d\u2019usure enfin officielle !"}]},{"@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\/7083","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=7083"}],"version-history":[{"count":5,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/7083\/revisions"}],"predecessor-version":[{"id":7117,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/7083\/revisions\/7117"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/7094"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=7083"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=7083"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=7083"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}