{"id":8374,"date":"2024-02-12T16:55:27","date_gmt":"2024-02-12T15:55:27","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2024-02-12T16:55:27","modified_gmt":"2024-02-12T15:55:27","slug":"credit-immobilier-nouveau-repli-des-taux-en-fevrier-2024","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-nouveau-repli-des-taux-en-fevrier-2024.html","title":{"rendered":"Cr\u00e9dit immobilier : nouveau repli des taux en f\u00e9vrier 2024 !"},"content":{"rendered":"<p>La situation s\u2019am\u00e9liore un peu plus pour les emprunteurs. En f\u00e9vrier, le barom\u00e8tre des taux conna\u00eet \u00e0 nouveau une baisse. Les bons taux sur 20 ans s\u2019\u00e9l\u00e8vent d\u00e9sormais \u00e0 4,05 %, soit une baisse de 15 points de base en comparaison avec janvier.<\/p>\n<h2>La baisse des taux s\u2019acc\u00e9l\u00e8re<\/h2>\n<p>En f\u00e9vrier, <strong>le repli des taux est g\u00e9n\u00e9ral du c\u00f4t\u00e9 du bon taux<\/strong>. Les baisses sont variables et oscillent entre 5 centimes sur 7 ans et 20 centimes sur 15 ans. En ce qui concerne l\u2019excellent taux, le constat est identique avec toutefois une stabilit\u00e9 sur les dur\u00e9es les plus courtes.<\/p>\n<p>Voici en d\u00e9tail l\u2019\u00e9volution des taux mini en ce mois de f\u00e9vrier 2024 :<\/p>\n<ul>\n<li>sur 7 ans, l\u2019excellent taux stagne \u00e0 3,10 %\u2009;<\/li>\n<li>sur 10 ans, l\u2019excellent taux ne bouge pas et reste \u00e0 3,30 %\u2009;<\/li>\n<li>sur 15 ans, l\u2019excellent taux diminue de 16 points de base pour s\u2019\u00e9tablir \u00e0 3,55 %\u2009;<\/li>\n<li>sur 20 ans, l\u2019excellent taux du march\u00e9 passe de 3,82 % \u00e0 3,75 %, soit une baisse de 7 points de base\u2009;<\/li>\n<li>sur 25 ans, l\u2019excellent taux recule et s\u2019\u00e9tablit \u00e0 3,89 %.<\/li>\n<\/ul>\n<h2>Une reprise attendue du march\u00e9<\/h2>\n<p>Cette baisse des <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">taux de cr\u00e9dit immobilier<\/a> s\u2019inscrit dans un sc\u00e9nario attendu de <strong>d\u00e9tente du march\u00e9.<\/strong> Apr\u00e8s des semaines de hausses ininterrompues pour faire face \u00e0 l\u2019inflation, les \u00e9claircies se multiplient. Le printemps est en avance, comme en t\u00e9moignent de nombreux signaux :<\/p>\n<ul>\n<li>l\u2019inflation freine sa course\u2009;<\/li>\n<li>le co\u00fbt de refinancement des banques s\u2019am\u00e9liore\u2009;<\/li>\n<li>les banques se montrent plus agressives en qu\u00eate de nouveaux clients\u2009;<\/li>\n<li>les taux directeurs de la Banque centrale europ\u00e9enne (BCE) se sont stabilis\u00e9s\u2009;<\/li>\n<li>les OAT 10 ans (obligations assimilables du Tr\u00e9sor) marquent le pas.<\/li>\n<\/ul>\n<h2>Obtenir un cr\u00e9dit au meilleur taux<\/h2>\n<p>Fran\u00e7ois Villeroy de Galhau, gouverneur de la Banque de France, vient d\u2019ailleurs de r\u00e9affirmer <strong>son engagement \u00e0 baisser les taux cette ann\u00e9e<\/strong>. Un contexte favorable pour les porteurs de projet immobilier en 2024. Reste qu\u2019une attitude attentiste n\u2019est pas toujours conseill\u00e9e pour la r\u00e9ussite d\u2019un achat immobilier. En effet, selon ses besoins, sa capacit\u00e9 d\u2019emprunt et la disponibilit\u00e9 du bien, mieux vaut ne pas tarder lorsque les conditions se pr\u00e9sentent. Qu&rsquo;il s&rsquo;agisse d&rsquo;un investissement locatif, de l&rsquo;achat d&rsquo;une r\u00e9sidence principale ou secondaire, le recours \u00e0 un expert en courtage est vivement recommand\u00e9. Ce professionnel du cr\u00e9dit immobilier sait actionner les leviers n\u00e9cessaires pour n\u00e9gocier une solution de financement adapt\u00e9e au meilleur taux.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La situation s\u2019am\u00e9liore un peu plus pour les emprunteurs. En f\u00e9vrier, le barom\u00e8tre des taux conna\u00eet \u00e0 nouveau une baisse. Les bons taux sur 20 ans s\u2019\u00e9l\u00e8vent [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7002,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8374","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 : nouveau repli des taux en f\u00e9vrier 2024 ! - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La baisse des taux de cr\u00e9dit s\u2019acc\u00e9l\u00e8re en f\u00e9vrier. 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