{"id":7598,"date":"2023-06-20T17:35:02","date_gmt":"2023-06-20T15:35:02","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-06-20T17:52:58","modified_gmt":"2023-06-20T15:52:58","slug":"credit-immobilier-les-ajustements-du-hcsf-pour-faciliter-lacces-au-financement","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-ajustements-du-hcsf-pour-faciliter-lacces-au-financement.html","title":{"rendered":"Cr\u00e9dit immobilier : les ajustements du HCSF pour faciliter l&rsquo;acc\u00e8s au financement"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u00c0 l\u2019issue de la r\u00e9union du 13 juin dernier, le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) a r\u00e9vis\u00e9 sa copie sans pour autant la remettre totalement en question. Une marge de man\u0153uvre a \u00e9t\u00e9 accord\u00e9e et va profiter aux investisseurs locatifs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Assouplissement des r\u00e8gles d\u2019octroi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le Haut Conseil de stabilit\u00e9 financi\u00e8re a d\u00e9voil\u00e9 son plan d\u2019action apr\u00e8s sa r\u00e9union du 13 juin 2023. Il entend ainsi assouplir les conditions d\u2019octroi d\u2019acc\u00e8s au cr\u00e9dit immobilier. Objectif\u2009? Offrir davantage de marge de man\u0153uvre aux banques afin d\u2019all\u00e9ger les tensions qui rendent complexe l\u2019acc\u00e8s au cr\u00e9dit immobilier. Les changements ne r\u00e9pondent pas totalement aux attentes des professionnels de l\u2019immobilier, mais ces ajustements devraient permettre de <strong>faciliter l\u2019acc\u00e8s au cr\u00e9dit immobilier des acheteurs en locatif.&nbsp;&nbsp;&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Ajustements techniques&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour rappel, les crit\u00e8res stricts de dur\u00e9e de cr\u00e9dit (25 ans maximum et jusqu\u2019\u00e0 27 ans sous conditions) et d\u2019endettement (pas plus de 35 %, assurance incluse) ne changent pas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des contraintes que les \u00e9tablissements bancaires se doivent de respecter pour 80 % des dossiers qu\u2019ils financent. Pour les 20 % des dossiers restants, au moins 80 % doivent concerner l\u2019achat d\u2019une r\u00e9sidence principale et 20 % pour les autres achats.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les normes du HCSF seront ajust\u00e9es<\/strong> sans pour autant bouleverser l\u2019ensemble de ces contraintes avec :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la part de dossiers r\u00e9serv\u00e9s aux achats hors r\u00e9sidence principale&nbsp;pouvant d\u00e9roger aux r\u00e8gles qui passe de 20 % \u00e0 30 % ;<\/li>\n\n\n\n<li>la possibilit\u00e9 d\u2019appliquer par la banque une action correctrice durant les deux trimestres suivants contre un trimestre auparavant.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>6 % du total des cr\u00e9dits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En portant le ratio de dossiers pouvant s\u2019affranchir des r\u00e8gles \u00e0 30 %, le HCSF facilite l\u00e9g\u00e8rement l\u2019acc\u00e8s au cr\u00e9dit. La part d\u2019exception accord\u00e9e aux investissements en locatif passe ainsi \u00e0 30 % contre 70 % pour les r\u00e9sidences principales, soit <strong>6 % du total des cr\u00e9dits accord\u00e9s, contre 4 % auparavant<\/strong>. Une mesure qui profite aux m\u00e9nages qui souhaitent acheter pour louer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reste que les banques n\u2019ont jusqu\u2019alors pas vraiment utilis\u00e9 les marges de flexibilit\u00e9 qui leur sont accord\u00e9es. Seulement 13,8 % des dossiers ont \u00e9t\u00e9 financ\u00e9s hors crit\u00e8res du Haut Conseil au premier trimestre 2023. C\u2019est pourquoi le HCSF a \u00e9galement d\u00e9cid\u00e9 de changer les r\u00e8gles de supervision des banques. D\u00e9sormais, l\u2019Autorit\u00e9 de contr\u00f4le prudentiel et r\u00e9solution (ACPR) attendra deux trimestres pour <strong>s\u2019assurer de l\u2019application des r\u00e8gles \u00e9dict\u00e9es<\/strong> et d\u00e9cider d\u2019une \u00ab\u2009action correctrice\u2009\u00bb, contre un trimestre aujourd\u2019hui.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un assouplissement suppl\u00e9mentaire qui pourrait permettre de d\u00e9bloquer un peu plus le march\u00e9 du cr\u00e9dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les emprunteurs dont le projet est mature, l\u2019accompagnement d\u2019un professionnel du cr\u00e9dit reste vivement recommand\u00e9. Avec un courtier sp\u00e9cialis\u00e9 \u00e0 vos c\u00f4t\u00e9s, vous b\u00e9n\u00e9ficiez d\u2019un atout pour obtenir un emprunt adapt\u00e9 au meilleur taux en fonction de votre profil et de votre projet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 l\u2019issue de la r\u00e9union du 13 juin dernier, le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) a r\u00e9vis\u00e9 sa copie sans pour autant la remettre totalement en [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7609,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7598","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 : les ajustements du HCSF pour faciliter l&#039;acc\u00e8s au financement - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Le HCSF a d\u00e9cid\u00e9 d\u2019assouplir les conditions d\u2019octroi de cr\u00e9dit. D\u00e9sormais, il sera plus facile d\u2019acc\u00e9der au cr\u00e9dit immobilier pour certains emprunteurs.\" \/>\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-immobilier-les-ajustements-du-hcsf-pour-faciliter-lacces-au-financement.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : les ajustements du HCSF pour faciliter l&#039;acc\u00e8s au financement - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Le HCSF a d\u00e9cid\u00e9 d\u2019assouplir les conditions d\u2019octroi de cr\u00e9dit. 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