{"id":8277,"date":"2023-12-20T10:04:55","date_gmt":"2023-12-20T09:04:55","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-12-20T10:04:55","modified_gmt":"2023-12-20T09:04:55","slug":"taux-immobilier-en-decembre-2023-un-horizon-plus-favorable-aux-emprunteurs","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-immobilier-en-decembre-2023-un-horizon-plus-favorable-aux-emprunteurs.html","title":{"rendered":"Taux immobilier en d\u00e9cembre 2023 : un horizon plus favorable aux emprunteurs\u2009!"},"content":{"rendered":"<p>Enfin l\u2019embellie\u2009! La tendance \u00e0 l\u2019\u00e9quilibre des taux immobiliers semble bel et bien se profiler. Apr\u00e8s des mois d\u2019augmentation, l\u2019\u00e9volution des taux est plus mod\u00e9r\u00e9e, notamment sur les taux de march\u00e9 moyens. Sur 20 ans, le bon taux n\u2019augmente que de 5 points de base pour s\u2019\u00e9tablir \u00e0 4,20 %.<\/p>\n<h2>Une hausse des taux de cr\u00e9dit plus mod\u00e9r\u00e9e<\/h2>\n<p>Si les taux du mois de d\u00e9cembre continuent d\u2019\u00e9voluer, <strong>la hausse reste mod\u00e9r\u00e9e du c\u00f4t\u00e9 des bons taux. <\/strong>On observe m\u00eame un l\u00e9ger repli sur la dur\u00e9e la plus courte avec une baisse de 5 points de base. Les excellents taux eux subissent encore quelques variations \u00e0 la hausse.<\/p>\n<p>Voici en d\u00e9tail l\u2019\u00e9volution des taux mini en ce mois de d\u00e9cembre :<\/p>\n<ul>\n<li>sur 7 ans, l\u2019excellent taux passe de 3,25 % \u00e0 3,30 %, soit une hausse de +5 points de base\u2009;<\/li>\n<li>sur 10 ans, l\u2019excellent taux augmente de 20 centimes pour atteindre 3,50 %\u2009;<\/li>\n<li>sur 15 ans, l\u2019excellent taux grimpe \u00e0 3,75 %\u2009;<\/li>\n<li>sur 20 ans, l\u2019excellent taux du march\u00e9 progresse de 20 points de base et s\u2019\u00e9l\u00e8ve \u00e0 3,90 %\u2009;<\/li>\n<li>sur 25 ans, l\u2019excellent taux est en l\u00e9g\u00e8re hausse et passe \u00e0 4,05 %.<\/li>\n<\/ul>\n<h2>Vers la reprise du march\u00e9<\/h2>\n<p>Ce ralentissement de la hausse des <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">taux de cr\u00e9dit immobilier<\/a> semble marquer l\u2019accalmie tant attendue. Apr\u00e8s des mois de hausse ininterrompue des taux, les variations sont en effet plus mesur\u00e9es depuis la fin de l\u2019\u00e9t\u00e9. La stabilisation des taux de la Banque centrale europ\u00e9enne (BCE) et du taux de l\u2019obligation assimilable du Tr\u00e9sor (OAT) 10 ans n\u2019y est pas \u00e9trang\u00e8re. Pour rappel, ce sont ces indicateurs qui servent de r\u00e9f\u00e9rence aux banques pour fixer leurs bar\u00e8mes. Ainsi, tous les voyants sont au vert et semblent indiquer qu\u2019<strong>une prochaine stabilisation des taux <\/strong>pourrait bien avoir lieu en 2024.<\/p>\n<p>Autre signe d\u2019un red\u00e9marrage du march\u00e9\u2009? Le retour depuis la fin d\u2019\u00e9t\u00e9 de certaines banques qui sont plus enclins \u00e0 accorder un pr\u00eat. Un contexte favorable pour les candidats \u00e0 l\u2019emprunt dont le projet est mature.<\/p>\n<h2>D\u00e9crocher un cr\u00e9dit au meilleur taux<\/h2>\n<p>Les derni\u00e8res \u00e9volutions mensuelles du taux d\u2019usure, plafond au-del\u00e0 duquel il n\u2019est pas autoris\u00e9 de pr\u00eater, ont port\u00e9 leurs fruits. M\u00eame si la reprise du march\u00e9 est timide, les \u00e9tablissements bancaires retrouvent de la rentabilit\u00e9. <strong>L\u2019horizon se d\u00e9gage peu \u00e0 peu pour les porteurs d\u2019un projet immobilier en 2024. <\/strong><\/p>\n<p>Reste que les derniers ajustements des r\u00e8gles d\u2019octroi annonc\u00e9s par le Haut Conseil de stabilit\u00e9 financi\u00e8re (HCSF) ne donnent pas plus de libert\u00e9 aux banques. Le taux d\u2019endettement est toujours fix\u00e9 \u00e0 35 %. Si les autorit\u00e9s financi\u00e8res ont d\u00e9cid\u00e9 d\u2019assouplir les conditions d\u2019emprunt, c\u2019est seulement \u00e0 la marge avec :<\/p>\n<ul>\n<li>un allongement du pr\u00eat de 25 \u00e0 27 ans pour l\u2019ancien r\u00e9nov\u00e9, si le co\u00fbt des travaux de r\u00e9novation repr\u00e9sente au moins 10 % du montant de l\u2019op\u00e9ration\u2009;<\/li>\n<li>des d\u00e9rogations pour les int\u00e9r\u00eats du pr\u00eats relais qui sortent du calcul de l\u2019endettement.<\/li>\n<\/ul>\n<p>Pour vous aider \u00e0 \u00e9valuer la faisabilit\u00e9 de votre projet, il est vivement recommand\u00e9 de faire appel \u00e0 un courtier en pr\u00eat immobilier. Cet expert sait b\u00e2tir un plan de financement optimis\u00e9 et n\u00e9gocier les meilleures conditions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Enfin l\u2019embellie\u2009! La tendance \u00e0 l\u2019\u00e9quilibre des taux immobiliers semble bel et bien se profiler. Apr\u00e8s des mois d\u2019augmentation, l\u2019\u00e9volution des taux est plus mod\u00e9r\u00e9e, notamment sur [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8283,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8277","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>Taux immobilier en d\u00e9cembre 2023 : un horizon plus favorable aux emprunteurs\u2009!<\/title>\n<meta name=\"description\" content=\"Vers une stabilisation des taux de cr\u00e9dit immobilier\u2009? Les hausses des \u00e9tablissements bancaires sont plus mesur\u00e9es. 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