{"id":7175,"date":"2023-02-10T14:58:29","date_gmt":"2023-02-10T13:58:29","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-02-10T14:58:31","modified_gmt":"2023-02-10T13:58:31","slug":"credit-immobilier-le-taux-dusure-passe-a-379-en-fevrier","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-le-taux-dusure-passe-a-379-en-fevrier.html","title":{"rendered":"Cr\u00e9dit immobilier : le taux d\u2019usure passe \u00e0 3,79 % en f\u00e9vrier"},"content":{"rendered":"\n

D\u00e9sormais r\u00e9vis\u00e9 tous les mois, et pour une dur\u00e9e de six mois, le nouveau taux d\u2019usure vient d\u2019\u00eatre d\u00e9voil\u00e9. Le seuil maximal auquel les banques peuvent pr\u00eater passe ainsi \u00e0 3,79 % pour les cr\u00e9dits de 20 ans et plus, avant sa prochaine r\u00e9\u00e9valuation en mars prochain.<\/p>\n\n\n\n

<\/a>R\u00e9vision provisoire mensuelle du taux d\u2019usure<\/h2>\n\n\n\n

Depuis le 1er f\u00e9vrier, le taux d\u2019usure est r\u00e9vis\u00e9 chaque mois<\/a>, et non plus chaque trimestre. Cette mensualisation ne sera toutefois que temporaire puisqu\u2019elle prendra fin au 1er juillet 2023. Cette nouvelle actualisation mensuelle des taux d\u2019usure, souhait\u00e9e par les professionnels du cr\u00e9dit et soutenue par Bercy, a \u00e9t\u00e9 officialis\u00e9e dans un arr\u00eat\u00e9 du minist\u00e8re de l\u2019\u00c9conomie publi\u00e9 au Journal officiel<\/strong>. Ainsi, en f\u00e9vrier, le nouveau seuil applicable pour un cr\u00e9dit de 20 ans et plus grimpe \u00e0 3,79 %, contre 3,57 % en janvier<\/strong>. Ce nouveau rel\u00e8vement va assouplir le march\u00e9 du cr\u00e9dit et permettre aux particuliers dont le dossier \u00e9tait bloqu\u00e9 en raison d\u2019un effet ciseaux.<\/p>\n\n\n\n

<\/a>Un taux plafond qui prot\u00e8ge l\u2019emprunteur<\/h2>\n\n\n\n

Pour rappel, le taux de l\u2019usure est initialement destin\u00e9 \u00e0 prot\u00e9ger les particuliers et entreprises qui empruntent contre d\u2019\u00e9ventuelles conditions abusives. Con\u00e7u comme un bouclier, il permet ainsi de limiter l\u2019endettement en pr\u00e9servant les emprunteurs de l\u2019augmentation trop forte et rapide des taux d\u2019int\u00e9r\u00eat. Ce taux plafond fixe, en effet, le taux d\u2019int\u00e9r\u00eat maximum l\u00e9gal que les \u00e9tablissements bancaires sont en droit de pratiquer en accordant un cr\u00e9dit. En d\u2019autres termes, le taux d\u2019usure correspond au taux annuel effectif global (TAEG)<\/strong> : taux d\u2019int\u00e9r\u00eat et frais li\u00e9s inclus (frais de dossiers, assurance emprunteur et frais de garantie obligatoire). Calcul\u00e9 jusque-l\u00e0 seulement une fois par trimestre par la Banque de France, le taux d\u2019usure est depuis plusieurs mois un point bloquant sur le march\u00e9 des cr\u00e9dits. Son calcul trimestriel ne lui permettait pas de rattraper la remont\u00e9e rapide des taux d\u2019emprunt. Et ce d\u00e9calage devenait un frein pour l\u2019acc\u00e8s au cr\u00e9dit.<\/p>\n\n\n\n

<\/a>Un acc\u00e8s au cr\u00e9dit plus fluide<\/h2>\n\n\n\n

Cette mensualisation provisoire du seuil de l\u2019usure est, selon Bercy, une mesure qui va permettre \u00ab\u2009d\u2019\u00e9viter une situation o\u00f9 le taux d\u2019usure deviendrait un facteur de rationnement de l\u2019offre de cr\u00e9dit\u2009\u00bb tout en prot\u00e9geant l\u2019emprunteur. En effet, depuis plusieurs mois, les emprunteurs se retrouvent coinc\u00e9s entre un taux d’usure et des bar\u00e8mes de taux d\u2019int\u00e9r\u00eat de plus en plus \u00e9lev\u00e9s. Confront\u00e9e \u00e0 l\u2019envol\u00e9e inflationniste, la Banque Centrale europ\u00e9enne a durci sa politique mon\u00e9taire en relevant ses taux d\u2019int\u00e9r\u00eat directeurs. R\u00e9sultat\u2009? Le co\u00fbt de l\u2019argent augmente ce qui contraint les \u00e9tablissements bancaires \u00e0 relever leurs taux pour r\u00e9percuter cette hausse et se refinancer aupr\u00e8s de la Banque Centrale europ\u00e9enne. Ainsi, cette actualisation plus rapide de la Banque de France va permettre aux candidats \u00e0 la propri\u00e9t\u00e9 d\u2019emprunter plus facilement. Au 1er f\u00e9vrier 2023, voici les nouveaux taux d\u2019usure applicables pour un pr\u00eat aux particuliers, d\u2019un montant sup\u00e9rieur ou \u00e9gal \u00e0 75\u2009000 euros.<\/p>\n\n\n\n

Cr\u00e9dits immobiliers<\/td>Taux d\u2019usure appliqu\u00e9 au 1er f\u00e9vrier 2023<\/td><\/tr>
Pr\u00eats \u00e0 taux fixe d\u2019une dur\u00e9e comprise entre 2 ans et moins de 10 ans<\/td>3,53 %<\/td><\/tr>
Pr\u00eats \u00e0 taux fixe d\u2019une dur\u00e9e comprise entre 10 ans et moins de 20 ans<\/td>3,71 %<\/td><\/tr>
Pr\u00eats \u00e0 taux fixe d\u2019une dur\u00e9e de 20 ans et plus<\/td>3,79 %<\/td><\/tr>
Pr\u00eats \u00e0 taux variable<\/td>3,63 %<\/td><\/tr>
Pr\u00eat relais<\/td>3,93 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Malgr\u00e9 ce rel\u00e8vement des taux d\u2019emprunt qui rench\u00e9rit le cr\u00e9dit, il ne faut pas oublier que les taux bas de ces derni\u00e8res ann\u00e9es \u00e9taient inhabituels. Face aux conditions d\u2019acc\u00e8s au cr\u00e9dit qui deviennent complexes, il ne faut pas h\u00e9siter \u00e0 s\u2019entourer d\u2019un expert en cr\u00e9dit. Gr\u00e2ce \u00e0 ce professionnel, l\u2019emprunteur b\u00e9n\u00e9ficie de conseils avis\u00e9s pour b\u00e2tir un plan de financement optimis\u00e9 et obtenir un cr\u00e9dit au meilleur co\u00fbt.<\/p>\n","protected":false},"excerpt":{"rendered":"

D\u00e9sormais r\u00e9vis\u00e9 tous les mois, et pour une dur\u00e9e de six mois, le nouveau taux d\u2019usure vient d\u2019\u00eatre d\u00e9voil\u00e9. Le seuil maximal auquel les banques peuvent pr\u00eater […]<\/p>\n","protected":false},"author":4,"featured_media":7180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nCr\u00e9dit immobilier : le taux d\u2019usure passe \u00e0 3,79 % en f\u00e9vrier<\/title>\n<meta name=\"description\" content=\"Le taux d\u2019usure est d\u00e9sormais rehauss\u00e9 mensuellement. 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