{"id":7709,"date":"2023-07-31T17:06:02","date_gmt":"2023-07-31T15:06:02","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-08-01T10:01:36","modified_gmt":"2023-08-01T08:01:36","slug":"taux-dusure-une-revision-a-la-hausse-qui-facilite-lemprunt","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-dusure-une-revision-a-la-hausse-qui-facilite-lemprunt.html","title":{"rendered":"Taux d\u2019usure : une r\u00e9vision \u00e0 la hausse qui facilite l\u2019emprunt\u00a0\u00a0\u00a0"},"content":{"rendered":"\n

Au mois d\u2019ao\u00fbt, les taux d\u2019usure, seuils au-dessus desquels les banques ne peuvent pas pr\u00eater, sont \u00e0 nouveau en hausse. Un r\u00e9ajustement mensuel qui permet de redonner du souffle au march\u00e9 du cr\u00e9dit puisque les banques ont davantage de marge pour accorder des pr\u00eats. <\/p>\n\n\n\n

<\/a>Des taux qui d\u00e9passent 5 %<\/h2>\n\n\n\n

Pour les pr\u00eats les plus longs, le taux d\u2019usure atteint 5,33 % en ao\u00fbt. Soit une hausse de 24 points de base contre 41 en juillet dernier. Une augmentation significative qui suit la tendance amorc\u00e9e en d\u00e9but d\u2019ann\u00e9e et ne semble pas ralentir. Pour les candidats \u00e0 l\u2019emprunt, cette nouvelle hausse est une opportunit\u00e9 \u00e0 saisir, car elle permet d\u2019ouvrir l\u2019acc\u00e8s au cr\u00e9dit. Et, il faut faire vite avant que les banques n\u2019en profitent pour r\u00e9hausser leurs bar\u00e8mes cet \u00e9t\u00e9. <\/p>\n\n\n\n

Les nouveaux taux d\u2019usure applicables au 1er ao\u00fbt 2023 :<\/p>\n\n\n\n

Cr\u00e9dits immobiliers<\/td>Taux d\u2019usure appliqu\u00e9 au 1er ao\u00fbt 2023<\/td>Taux d\u2019usure appliqu\u00e9 au 1er juillet 2023<\/td><\/tr>
Cr\u00e9dit \u00e0 taux fixe inf\u00e9rieur \u00e0 10 ans<\/td>4,17 % (+6 points de base)<\/td>4,11 %<\/td><\/tr>
Pr\u00eats immobiliers \u00e0 taux fixe de 10 ans \u00e0 moins de 20 ans<\/td>5,12 % (+28 points de base)<\/td>4,84 %<\/td><\/tr>
Pr\u00eats \u00e0 taux fixe de 20 ans et plus<\/td>5,33 % (+24 points de base)<\/td>5,09 %<\/td><\/tr>
Pr\u00eats \u00e0 taux variable<\/td>4,93 % (+24 points de base)<\/td>4,69 %<\/td><\/tr>
Pr\u00eat relais<\/td>5,28 % (+24 points de base)<\/td>5,04 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Pour rappel, le taux d\u2019usure est destin\u00e9 \u00e0 prot\u00e9ger les emprunteurs de taux excessifs et du risque de surendettement. Si le mode de calcul de ce taux plafond demeure inchang\u00e9, il est r\u00e9\u00e9valu\u00e9 mensuellement depuis le 1er<\/sup> f\u00e9vrier, au lieu de tous les trois mois. Un ajustement plus r\u00e9gulier, autoris\u00e9 provisoirement, qui permet de d\u00e9bloquer l\u2019acc\u00e8s au cr\u00e9dit pour les porteurs de projet. <\/p>\n\n\n\n

<\/a>Une ouverture au cr\u00e9dit <\/h2>\n\n\n\n

Ainsi, pour acc\u00e9der \u00e0 l\u2019emprunt, il est imp\u00e9ratif de ne pas d\u00e9passer ce taux plafond. Cela correspond au taux annuel effectif global (TAEG)<\/strong>, en faisant la somme du taux nominal, de l\u2019assurance de pr\u00eat ainsi que des frais bancaires. Gr\u00e2ce \u00e0 cette hausse, des dossiers bloqu\u00e9s par un taux usuraire trop bas vont pouvoir \u00eatre finan\u00e7ables.<\/p>\n\n\n\n

Attention, car les banques peuvent \u00e9galement en profiter pour rattraper leur retard et relever leurs bar\u00e8mes.<\/p>\n\n\n\n

<\/a>Des hausses de taux qui pourraient suivre<\/h2>\n\n\n\n

En effet, si la hausse des seuils de l\u2019usure redonne du souffle aux porteurs de projet en ouvrant le march\u00e9 du cr\u00e9dit, il reste \u00e0 attendre la r\u00e9ponse des banques<\/strong>. Car cette r\u00e9vision mensuelle du taux de l\u2019usure est aussi l\u2019occasion pour les banques de r\u00e9ajuster leurs bar\u00e8mes. Si les conditions d\u2019emprunt sont plus souples, il y a de grandes chances que l\u2019acc\u00e8s au cr\u00e9dit devienne aussi plus co\u00fbteux. C\u2019est la raison pour laquelle il est conseill\u00e9 aux emprunteurs dont le projet est mature d\u2019entamer les d\u00e9marches au plus t\u00f4t.<\/p>\n\n\n\n

Pour un projet r\u00e9ussi, il est vivement recommand\u00e9 de faire appel \u00e0 un courtier en cr\u00e9dit immobilier. Cet expert saura vous guider pour obtenir une solution de financement adapt\u00e9e et  au meilleur taux.  <\/p>\n","protected":false},"excerpt":{"rendered":"

Au mois d\u2019ao\u00fbt, les taux d\u2019usure, seuils au-dessus desquels les banques ne peuvent pas pr\u00eater, sont \u00e0 nouveau en hausse. Un r\u00e9ajustement mensuel qui permet de redonner […]<\/p>\n","protected":false},"author":4,"featured_media":7714,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7709","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nTaux d\u2019usure : une r\u00e9vision \u00e0 la hausse qui facilite l\u2019emprunt\u00a0\u00a0\u00a0 - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Nouvelle hausse du taux d\u2019usure au mois d\u2019ao\u00fbt pour les emprunteurs. 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