{"id":7270,"date":"2023-03-01T08:03:00","date_gmt":"2023-03-01T07:03:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-02-28T16:42:49","modified_gmt":"2023-02-28T15:42:49","slug":"consequences-nouvelle-hausse-taux-usure-mars-2023","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/consequences-nouvelle-hausse-taux-usure-mars-2023.html","title":{"rendered":"Nouvelle hausse du taux d&rsquo;usure qui atteint 4 % en mars 2023, quelles cons\u00e9quences ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les nouveaux taux d\u2019usure applicables \u00e0 compter de ce jour (le 1<sup>er<\/sup> mars 2023) ont \u00e9t\u00e9 d\u00e9voil\u00e9s. Ce taux plafond auquel les banques peuvent pr\u00eater de l\u2019argent passe ainsi \u00e0 4 % pour les cr\u00e9dits immobiliers \u00e0 taux fixe sur 20 ans et plus, contre 3,79 % en f\u00e9vrier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Nouvelle r\u00e9vision mensuelle du taux d\u2019usure 2023<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les nouveaux taux d\u2019usure applicables du 1<sup>er<\/sup> au 31 mars 2023 ont \u00e9t\u00e9 d\u00e9voil\u00e9s au <a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000047227300\" target=\"_blank\" rel=\"noreferrer noopener\">Journal officiel du 26 f\u00e9vrier<\/a>. Le taux d\u2019usure maximal est port\u00e9 \u00e0 4 % pour les pr\u00eats immobiliers sur 20 ans et plus, alors qu\u2019il s\u2019\u00e9tablissait \u00e0 3,79 % en f\u00e9vrier. En un mois, le taux d\u2019usure a ainsi \u00e9t\u00e9 relev\u00e9 de 0,21 point pour cette cat\u00e9gorie de pr\u00eats immobiliers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il s\u2019agit de la deuxi\u00e8me hausse depuis <a href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-revision-mensuelle-taux-usure-officielle.html\">la mise en place de l\u2019actualisation mensuelle des taux plafonds<\/a>. Pour rappel, jusqu\u2019au 1<sup>er<\/sup> juillet prochain, la Banque de France va <strong>calculer \u00e0 titre exceptionnel le taux d\u2019usure chaque mois<\/strong>, au lieu de chaque trimestre habituellement. Voici dans le tableau ci-dessous les autres taux d\u2019usure applicables en mars 2023 pour les emprunts immobiliers d\u2019un montant sup\u00e9rieur \u00e0 75\u2009000 euros :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>&nbsp;Types de pr\u00eats<\/td><td>Taux d\u2019usure en f\u00e9vrier 2023&nbsp;<\/td><td>Taux d\u2019usure en mars 2023&nbsp;<\/td><\/tr><tr><td>Pr\u00eats \u00e0 taux fixe d\u2019une dur\u00e9e inf\u00e9rieure \u00e0 10 ans<\/td><td>3,53 %<\/td><td><strong>3,67 %<\/strong><\/td><\/tr><tr><td>Pr\u00eats \u00e0 taux fixe d\u2019une dur\u00e9e comprise entre 10 ans et moins de 20 ans<\/td><td>3,71 %<\/td><td><strong>3,87 %<\/strong><\/td><\/tr><tr><td>Pr\u00eats \u00e0 taux fixe d\u2019une dur\u00e9e de 20 ans et plus<\/td><td>3,79 %<\/td><td><strong>4 %<\/strong><\/td><\/tr><tr><td>Pr\u00eats relais<\/td><td>3,93 %<\/td><td><strong>4,11 %<\/strong><\/td><\/tr><tr><td>Pr\u00eats \u00e0 taux variable<\/td><td>3,63 %<\/td><td><strong>3,79 %<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\">&nbsp;Source : Banque de France<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Un acc\u00e8s au cr\u00e9dit fluidifi\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cette mensualisation temporaire du taux d\u2019usure va permettre de d\u00e9bloquer l\u2019acc\u00e8s au cr\u00e9dit qui se heurtait \u00e0 <strong>la remont\u00e9e trop rapide des taux de cr\u00e9dits<\/strong>. Bercy entend ainsi maintenir l\u2019objectif de protection des emprunteurs vis\u00e9 par le taux d\u2019usure et \u00e9viter que celui-ci ne devienne <em>\u00ab\u2009un facteur de rationnement de l\u2019offre de cr\u00e9dit \u00bb<\/em>. En effet, les emprunteurs se retrouvaient jusqu\u2019alors pris en \u00e9tau entre le taux d\u2019usure \u00e9voluant de mani\u00e8re lente et des bar\u00e8mes de taux qui augmentent rapidement. Ce ph\u00e9nom\u00e8ne est plus connu sous le nom d\u2019effet ciseaux. D\u2019autant plus que c\u2019est le taux annuel effectif global (TAEG) incluant l\u2019ensemble des co\u00fbts annexes du cr\u00e9dit (assurance de pr\u00eat, frais de dossiers, etc.) qui ne peut l\u00e9galement d\u00e9passer le taux d\u2019usure.&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, ce rel\u00e8vement plus rapide du taux d\u2019usure va permettre de fluidifier le march\u00e9 du cr\u00e9dit. Les m\u00e9nages dont les dossiers \u00e9taient jusqu\u2019alors bloqu\u00e9s du fait de l\u2019usure vont pouvoir acc\u00e9der \u00e0 nouveau au cr\u00e9dit immobilier.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les nouveaux taux d\u2019usure applicables \u00e0 compter de ce jour (le 1er mars 2023) ont \u00e9t\u00e9 d\u00e9voil\u00e9s. Ce taux plafond auquel les banques peuvent pr\u00eater de l\u2019argent [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7281,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7270","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 du taux d&#039;usure qui atteint 4 % en mars 2023<\/title>\n<meta name=\"description\" content=\"Du 1er au 31 mars 2023, le taux plafond pour les pr\u00eats immobiliers de 20 ans et plus est port\u00e9 \u00e0 4 %, contre 3,79 % jusqu\u2019\u00e0 pr\u00e9sent.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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