{"id":7360,"date":"2023-03-31T11:28:38","date_gmt":"2023-03-31T09:28:38","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-04-07T15:52:30","modified_gmt":"2023-04-07T13:52:30","slug":"taux-dusure-au-dessus-de-4-un-niveau-inedit","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-dusure-au-dessus-de-4-un-niveau-inedit.html","title":{"rendered":"Taux d\u2019usure au-dessus de 4 % : un niveau in\u00e9dit\u2009!\u00a0"},"content":{"rendered":"\n

Les taux d\u2019usure, d\u00e9sormais ajust\u00e9s tous les mois, grimpent \u00e0 plus de 4 % en avril pour les pr\u00eats sur 10 ans et plus. Un niveau jamais atteint depuis 2015 qui devrait permettre de fluidifier le march\u00e9 et d\u2019inciter les banques \u00e0 accorder davantage de pr\u00eats.<\/p>\n\n\n\n

<\/a>Des taux plafond \u00e0 nouveau relev\u00e9s <\/h2>\n\n\n\n

C\u2019est chose faite. La Banque de France vient de r\u00e9v\u00e9ler les nouveaux taux d\u2019usure applicables au 1er avril 2023. Autrement dit, le nouveau taux maximal auquel un cr\u00e9dit peut \u00eatre accord\u00e9. Et \u00e0 l\u2019exception d\u2019un pr\u00eat sur 10 ans et moins, tous les taux plafonds franchissent le seuil symbolique des 4 %. Des niveaux in\u00e9dits, cons\u00e9quence de la hausse des taux d\u2019emprunt. <\/p>\n\n\n\n

Voici en d\u00e9tail les nouveaux taux d\u2019usure applicables en avril 2023 :<\/p>\n\n\n\n

Cr\u00e9dits immobiliers<\/td>Taux d\u2019usure appliqu\u00e9s au 1er mars 2023<\/td>Taux d\u2019usure appliqu\u00e9 au 1er avril 2023<\/td><\/tr>
Pr\u00eats \u00e0 taux fixe d\u2019une dur\u00e9e inf\u00e9rieure \u00e0 10 ans<\/td>3,67 %<\/td>3,72 %<\/td><\/tr>
Pr\u00eats \u00e0 taux fixe d\u2019une dur\u00e9e comprise entre 10 ans et moins 20 ans<\/td>3,87 %<\/td>4,09 %<\/td><\/tr>
Pr\u00eats \u00e0 taux fixe sur 20 ans et plus<\/td>4 %<\/td>4,24 %<\/td><\/tr>
Pr\u00eats \u00e0 taux variable<\/td>3,79 %<\/td>4,03 %<\/td><\/tr>
Pr\u00eat relais<\/td>4,11 %<\/td>4,31 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/a>Une acc\u00e9l\u00e9ration de la hausse du taux d\u2019usure<\/h2>\n\n\n\n

Pour rappel, la Banque de France a pris la d\u00e9cision de r\u00e9viser plus r\u00e9guli\u00e8rement et temporairement le taux d\u2019usure, jusqu\u2019\u00e0 d\u00e9but juillet. La mise \u00e0 jour se fait donc mensuellement depuis f\u00e9vrier, au lieu d\u2019une fois chaque trimestre. Cet ajustement plus r\u00e9gulier du taux plafond a \u00e9t\u00e9 mis en place pour r\u00e9pondre \u00e0 la remont\u00e9e rapide des taux d\u2019int\u00e9r\u00eat et \u00e0 l\u2019augmentation des co\u00fbts de refinancement pour les banques.<\/p>\n\n\n\n

En effet, l\u2019actualisation trimestrielle devenait un frein pour l\u2019acc\u00e8s au cr\u00e9dit.<\/strong> Les particuliers se retrouvent pris en \u00e9tau entre des bar\u00e8mes de taux d\u2019int\u00e9r\u00eat qui augmentent rapidement et un taux d\u2019usure qui \u00e9volue lentement.<\/p>\n\n\n\n

Les banques ne peuvent pr\u00eater que si le taux de cr\u00e9dit ainsi que les frais li\u00e9s \u00e0 l\u2019emprunt comme les frais de garantie, les frais de dossier ou encore l\u2019assurance emprunteur sont inf\u00e9rieurs au taux d\u2019usure. Cette r\u00e9vision mensuelle permet ainsi de d\u00e9bloquer les dossiers des emprunteurs jusqu\u2019ici non finan\u00e7ables.<\/p>\n\n\n\n

Vers une normalisation de l\u2019acc\u00e8s au cr\u00e9dit<\/h2>\n\n\n\n

D\u00e8s le 1er avril, le taux d\u2019usure des cr\u00e9dits de plus de vingt ans atteint les 4,24 %. Cette nouvelle hausse du seuil maximal va permettre d\u2019assouplir le march\u00e9 du cr\u00e9dit<\/strong>. Les emprunteurs solvables d\u00e9crochent plus facilement un cr\u00e9dit immobilier et les banques peuvent en profiter pour rehausser leurs bar\u00e8mes. D\u2019autant que la hausse des taux directeurs de la Banque centrale europ\u00e9enne (les taux auxquels les \u00e9tablissements empruntent) continue et que l\u2019OAT 10 ans (Obligation assimilables du Tr\u00e9sor) oscille.<\/p>\n\n\n\n

Pour r\u00e9ussir un achat immobilier, il est essentiel de bien pr\u00e9parer son dossier en amont. N\u2019h\u00e9sitez pas \u00e0 faire appel \u00e0 un courtier en cr\u00e9dit immobilier. Cet expert pourra vous accompagner tout au long de votre projet et b\u00e2tir un plan de financement optimis\u00e9 pour concr\u00e9tiser votre r\u00eave de propri\u00e9t\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"

Les taux d\u2019usure, d\u00e9sormais ajust\u00e9s tous les mois, grimpent \u00e0 plus de 4 % en avril pour les pr\u00eats sur 10 ans et plus. Un niveau jamais […]<\/p>\n","protected":false},"author":4,"featured_media":7363,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nTaux d\u2019usure au-dessus de 4 % : un niveau in\u00e9dit\u2009!\u00a0 - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La Banque de France a r\u00e9vis\u00e9 les taux d\u2019usure pour les cr\u00e9dits qui atteignent pour la plupart 4 % en avril. 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