{"id":7369,"date":"2023-04-05T14:12:02","date_gmt":"2023-04-05T12:12:02","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-04-05T14:12:03","modified_gmt":"2023-04-05T12:12:03","slug":"credit-immobilier-vers-un-allegement-des-conditions-doctroi","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-vers-un-allegement-des-conditions-doctroi.html","title":{"rendered":"Cr\u00e9dit immobilier : vers un all\u00e8gement des conditions d\u2019octroi\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">C\u2019est un d\u00e9bat qui prend de l\u2019ampleur parmi les professionnels de l\u2019immobilier. Et s\u2019il fallait all\u00e9ger les contraintes li\u00e9es \u00e0 l\u2019octroi de cr\u00e9dit d\u00e9finies par le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF)\u2009?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Les r\u00e8gles encadrant l\u2019octroi de cr\u00e9dit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">On parle souvent du taux d\u2019usure comme d\u2019un dispositif bloquant l\u2019acc\u00e8s au cr\u00e9dit.\u2009Mais il existe d\u2019autres \u00e9l\u00e9ments qui entrent en jeu dans le processus de d\u00e9cision, comme les r\u00e8gles fix\u00e9es par le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF). En effet, depuis janvier 2022, ces <strong>crit\u00e8res plus stricts<\/strong> imposent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un <a href=\"https:\/\/www.acecredit.fr\/fr\/taux-endettement-maximum-autorise.html\">taux d\u2019endettement plafonn\u00e9 \u00e0 35 %<\/a> (assurance comprise), soit le pourcentage entre les charges et les revenus\u2009;<\/li>\n\n\n\n<li>une dur\u00e9e d\u2019emprunt limit\u00e9e \u00e0 25 ans.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour rappel, le durcissement des conditions d\u2019octroi a \u00e9t\u00e9 d\u00e9cid\u00e9 afin de pr\u00e9venir le risque de surendettement des m\u00e9nages.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Un taux d\u2019endettement rapidement atteint qui freine l\u2019acc\u00e8s au cr\u00e9dit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e8gles impos\u00e9es par le HCSF ont davantage impact\u00e9 <strong>la capacit\u00e9 d\u2019emprunt des investisseurs locatifs<\/strong>. En effet, ceux qui souhaitent acheter un bien pour le louer ont \u00e9t\u00e9 p\u00e9nalis\u00e9s par le nouveau mode de calcul du taux d\u2019endettement en pr\u00e9sence de revenus fonciers. Rappelons que l\u2019investisseur qui souhaite acheter pour louer peut :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>soit ajouter les revenus locatifs au montant de ces revenus\u2009;<\/li>\n\n\n\n<li>soit soustraire les loyers encaiss\u00e9s des charges.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Or, avec des cr\u00e9dits en cours (pour l\u2019achat de sa r\u00e9sidence principale ou secondaire), le taux d\u2019endettement de 35 % est rapidement atteint. Il convient de pr\u00e9ciser qu\u2019auparavant les banques pouvaient se focaliser davantage sur le reste \u00e0 vivre, c\u2019est-\u00e0-dire sur le budget restant une fois les charges d\u00e9duites. Avec le calcul du taux d\u2019endettement qui s\u2019applique y compris aux loyers per\u00e7us, les investisseurs ne peuvent plus autant s\u2019endetter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Le HCSF juge satisfaisant la limitation du taux d\u2019effort<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, le HCSF a jug\u00e9 satisfaisante la limitation du taux d\u2019endettement impos\u00e9e aux banques depuis 2022. Une source proche du Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) a d\u2019ailleurs tenu \u00e0 souligner que ces mesures ont permis de s\u00e9curiser l\u2019acc\u00e8s au cr\u00e9dit immobilier et de pr\u00e9server le mod\u00e8le fran\u00e7ais qui privil\u00e9gie les taux fixes avec lequel <em>\u00ab\u2009on peut effectivement emprunter relativement longtemps sans que \u00e7a soit excessif\u2009\u00bb<\/em>. Les \u00e9tablissements bancaires ont d\u2019ailleurs la <strong>possibilit\u00e9 de d\u00e9roger \u00e0 ces crit\u00e8res du HCSF pour 20 % des dossiers <\/strong>qu\u2019elles acceptent. Mais ces exceptions ne concernent que :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>80 % de dossiers destin\u00e9s \u00e0 l\u2019achat d\u2019une r\u00e9sidence principale (30 % au titre d\u2019un premier achat concernant les primo-acc\u00e9dants)\u2009;<\/li>\n\n\n\n<li>20 % de dossiers visant l\u2019investissement locatif.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe des leviers pour r\u00e9duire son taux d\u2019endettement. Pour y parvenir, il est conseill\u00e9 de faire appel \u00e0 un courtier en cr\u00e9dit. Cet expert saura vous accompagner tout au long de votre projet d\u2019achat, depuis la construction d\u2019un plan de financement jusqu\u2019\u00e0 la n\u00e9gociation d\u2019un cr\u00e9dit au meilleur taux.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u2019est un d\u00e9bat qui prend de l\u2019ampleur parmi les professionnels de l\u2019immobilier. Et s\u2019il fallait all\u00e9ger les contraintes li\u00e9es \u00e0 l\u2019octroi de cr\u00e9dit d\u00e9finies par le Haut [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7369","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 immobilier : vers un all\u00e8gement des conditions d\u2019octroi\u2009?<\/title>\n<meta name=\"description\" content=\"Et si les conditions d\u2019octroi de cr\u00e9dit fix\u00e9es par les autorit\u00e9s \u00e9taient assouplies\u2009? 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