{"id":8544,"date":"2024-06-21T16:56:48","date_gmt":"2024-06-21T14:56:48","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2024-06-21T16:56:48","modified_gmt":"2024-06-21T14:56:48","slug":"repli-des-taux-de-la-bce-quelles-consequences-sur-le-credit-immobilier","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/repli-des-taux-de-la-bce-quelles-consequences-sur-le-credit-immobilier.html","title":{"rendered":"Repli des taux de la BCE : quelles cons\u00e9quences sur le cr\u00e9dit immobilier ?"},"content":{"rendered":"

Comme promis, la Banque centrale europ\u00e9enne (BCE) a r\u00e9duit ses taux directeurs au mois de juin. Un assouplissement de la politique mon\u00e9taire qui pourrait bien changer la donne et redynamiser le march\u00e9 immobilier.<\/p>\n

Assouplissement de la politique mon\u00e9taire<\/h2>\n

La Banque centrale europ\u00e9enne (BCE) a tenu sa promesse et abaiss\u00e9 ses taux directeurs. Le taux de d\u00e9p\u00f4t est ainsi r\u00e9duit d\u2019un quart de point et descend \u00e0 3,75 %. Une annonce que les professionnels de l\u2019immobilier attendaient avec impatience apr\u00e8s la phase de durcissement mon\u00e9taire qui a dur\u00e9 plusieurs mois.<\/strong> \u00ab\u2009Il est aujourd\u2019hui opportun de r\u00e9duire le caract\u00e8re restrictif de la politique mon\u00e9taire\u2009\u00bb<\/em>, selon le communiqu\u00e9 publi\u00e9 par l\u2019institution. Place d\u00e9sormais \u00e0 davantage de souplesse. Pour rappel, entre juillet 2022 et septembre 2023, la BCE avait fait passer son taux de d\u00e9p\u00f4t de – 0,5 % \u00e0 4 %. Des niveaux record.<\/p>\n

Impact sur le march\u00e9 immobilier<\/h2>\n

Cette d\u00e9cision avait \u00e9t\u00e9 annonc\u00e9e au pr\u00e9alable par l\u2019institution. Le recul de l\u2019inflation avait fini par convaincre la BCE d\u2019assouplir quelque peu la bride mon\u00e9taire. Christine Lagarde, l\u2019actuelle pr\u00e9sidente de la BCE s\u2019\u00e9tait elle-m\u00eame exprim\u00e9e sur le sujet, se r\u00e9jouissant de constater que l\u2019inflation \u00e9tait \u00ab\u2009sous contr\u00f4le\u2009\u00bb<\/em>, d\u00e8s le mois de mai dernier. La principale question est alors de conna\u00eetre les cons\u00e9quences de cette baisse sur le march\u00e9 de l\u2019immobilier.<\/strong> En particulier en mati\u00e8re de pr\u00eats immobiliers. La derni\u00e8re diminution des taux de la BCE date de septembre 2019, il y a plus de cinq ans.<\/p>\n

Perspectives en mati\u00e8re de taux de cr\u00e9dit<\/h2>\n

Ce l\u00e9ger mouvement sera-t-il suffisant pour provoquer une reprise de l\u2019activit\u00e9\u2009? Les diff\u00e9rents acteurs du secteur se veulent optimistes. En effet, tout porte \u00e0 croire que le desserrement de la politique mon\u00e9taire ainsi que la d\u00e9crue de l\u2019inflation marquent le d\u00e9but de jours meilleurs.<\/strong> Apr\u00e8s la forte remont\u00e9e de ces deux derni\u00e8res ann\u00e9es, les taux de cr\u00e9dit<\/a> ont d\u2019ailleurs amorc\u00e9 un mouvement de retour \u00e0 la normale depuis janvier 2024. Selon \u00c9ric Dor, directeur des \u00e9tudes \u00e9conomiques \u00e0 l\u2019IESEG School of Management, les r\u00e9ductions de taux attendues cette ann\u00e9e vont permettre de relancer le march\u00e9 immobilier.<\/p>\n","protected":false},"excerpt":{"rendered":"

Comme promis, la Banque centrale europ\u00e9enne (BCE) a r\u00e9duit ses taux directeurs au mois de juin. Un assouplissement de la politique mon\u00e9taire qui pourrait bien changer la […]<\/p>\n","protected":false},"author":4,"featured_media":8553,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nRepli des taux de la BCE : quelles cons\u00e9quences sur le cr\u00e9dit immobilier ? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Le taux de d\u00e9p\u00f4t est abaiss\u00e9 par la BCE. Comme annonc\u00e9, l\u2019institution mon\u00e9taire a diminu\u00e9 ses taux directeurs, passant d\u2019un niveau record de 4 % \u00e0 3,75 %.\" \/>\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\/repli-des-taux-de-la-bce-quelles-consequences-sur-le-credit-immobilier.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Repli des taux de la BCE : quelles cons\u00e9quences sur le cr\u00e9dit immobilier ? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Le taux de d\u00e9p\u00f4t est abaiss\u00e9 par la BCE. 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