{"id":8261,"date":"2023-12-13T11:09:29","date_gmt":"2023-12-13T10:09:29","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-12-13T11:09:40","modified_gmt":"2023-12-13T10:09:40","slug":"credit-immobilier-nouvelles-mesures-du-hcsf-pour-relancer-le-marche","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-nouvelles-mesures-du-hcsf-pour-relancer-le-marche.html","title":{"rendered":"Cr\u00e9dit immobilier : nouvelles mesures du HCSF pour relancer le march\u00e9"},"content":{"rendered":"<p>Le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) a annonc\u00e9 trois ajustements techniques pour faciliter l\u2019acc\u00e8s au cr\u00e9dit immobilier.<\/p>\n<h2>Plus de souplesse pour les emprunts avec travaux<\/h2>\n<p>Pour faire face \u00e0 un march\u00e9 gripp\u00e9, dont la production chute depuis la remont\u00e9e des taux d\u2019int\u00e9r\u00eat, les autorit\u00e9s financi\u00e8res viennent d\u2019adopter plusieurs mesures. Objectifs\u2009? Fluidifier l\u2019acc\u00e8s au cr\u00e9dit et relancer la machine. Pour cela, le ministre de l\u2019\u00c9conomie et des Finances, Bruno Le Maire, a annonc\u00e9, lundi 4 d\u00e9cembre, \u00e0 l\u2019issue d\u2019une r\u00e9union du Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF), trois ajustements techniques des r\u00e8gles d\u2019octroi de cr\u00e9dits immobiliers.<\/p>\n<p>Le premier concerne <strong>la dur\u00e9e maximale des pr\u00eats, qui passe de 25 \u00e0 27 ans<\/strong>, si le montant des travaux de r\u00e9novation repr\u00e9sente <strong>au moins 10 % du cr\u00e9dit total.<\/strong> Cette mesure vise \u00e0 encourager les travaux de r\u00e9novation \u00e9nerg\u00e9tique et \u00e0 aider certains m\u00e9nages \u00e0 r\u00e9aliser leur projet d\u2019achat. Jusqu\u2019\u00e0 pr\u00e9sent le seuil permettant d\u2019atteindre une telle dur\u00e9e d\u2019emprunt s\u2019\u00e9levait \u00e0 25 % du co\u00fbt total.<\/p>\n<h2>Des pr\u00eats relais plus accessibles<\/h2>\n<p>Le deuxi\u00e8me ajustement d\u00e9cid\u00e9 par le Haut Conseil concerne les pr\u00eats relais. \u00c0 ce titre, les banques vont \u00eatre en mesure de <strong>ne pas prendre en compte les int\u00e9r\u00eats des pr\u00eats relais dans le calcul du taux d\u2019endettement<\/strong> (qui <a href=\"https:\/\/www.acecredit.fr\/fr\/taux-endettement-maximum-autorise.html\">ne doit pas d\u00e9passer 35 %, assurance comprise<\/a>). Pour rappel, les pr\u00eats relais permettent d\u2019acheter un nouveau bien en attendant la vente de l\u2019ancien. Ils repr\u00e9sentent environ 8 % de la production de cr\u00e9dit immobilier, selon la Banque de France. Pourtant, avec la hausse des taux d\u2019emprunt et l\u2019allongement du d\u00e9lai de vente, ce type de cr\u00e9dit est devenu plus difficile \u00e0 obtenir. Cette nouvelle mesure va ainsi permettre de lever ces obstacles.<\/p>\n<p>Attention, il est toutefois n\u00e9cessaire que le pr\u00eat relais n\u2019exc\u00e8de pas 80 % du montant total du cr\u00e9dit.<\/p>\n<h2>Un lissage du quota de d\u00e9rogations<\/h2>\n<p>Le troisi\u00e8me ajustement concerne le quota de d\u00e9rogations des normes du HCSF.<\/p>\n<p>Fix\u00e9 \u00e0 20 % des dossiers, ce quota pourra <strong>d\u00e9sormais \u00eatre calcul\u00e9 sur 9 mois, et non plus sur un seul trimestre.<\/strong> Cela permettra aux banques d\u2019\u00e9viter les politiques de stop-and-go et de mieux r\u00e9partir les d\u00e9rogations dans le temps. Selon une source proche du HCSF, l\u2019objectif n\u2019est pas de contr\u00f4ler la distribution de cr\u00e9dit, mais davantage <em>\u00ab\u2009d\u2019\u00e9liminer les obstacles techniques qui peuvent freiner la distribution\u2009\u00bb<\/em>. Ces diff\u00e9rentes mesures entreront en vigueur rapidement, autour du 15 d\u00e9cembre.<\/p>\n<p>Un achat immobilier \u00e0 concr\u00e9tiser\u2009? Pour vous accompagner, n\u2019h\u00e9sitez pas \u00e0 faire appel \u00e0 un expert en courtage immobilier. Gr\u00e2ce \u00e0 ce professionnel, vous b\u00e9n\u00e9ficiez de pr\u00e9cieux conseils pour b\u00e2tir un plan de financement optimis\u00e9 et d\u00e9crocher un cr\u00e9dit au meilleur taux.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) a annonc\u00e9 trois ajustements techniques pour faciliter l\u2019acc\u00e8s au cr\u00e9dit immobilier. Plus de souplesse pour les emprunts avec travaux Pour [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8265,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8261","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 : nouvelles mesures du HCSF pour relancer le march\u00e9<\/title>\n<meta name=\"description\" content=\"Les autorit\u00e9s assouplissent les r\u00e8gles d\u2019octroi de cr\u00e9dit en adoptant trois nouvelles mesures. 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