{"id":8686,"date":"2024-12-19T11:14:23","date_gmt":"2024-12-19T10:14:23","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2024-12-19T11:14:23","modified_gmt":"2024-12-19T10:14:23","slug":"taux-de-credit-immobilier-les-baissent-ne-sarretent-plus","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit-immobilier-les-baissent-ne-sarretent-plus.html","title":{"rendered":"Taux de cr\u00e9dit immobilier : les baissent ne s\u2019arr\u00eatent plus\u2009!"},"content":{"rendered":"<p>L\u2019embellie continue de s\u2019installer sur le barom\u00e8tre des taux qui n\u2019en finissent plus de fondre\u2009! Une bonne nouvelle pour les candidats qui souhaitent lancer leur projet d\u2019achat immobilier en cette fin d\u2019ann\u00e9e 2024\u2009!<\/p>\n<h2>Des indicateurs au beau fixe pour les f\u00eates de fin d\u2019ann\u00e9e<\/h2>\n<p>Avec ce nouveau recul des <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">taux de pr\u00eat immobilier<\/a> en fin d\u2019ann\u00e9e 2024, les conditions sont en faveur des candidats \u00e0 l\u2019emprunt. <strong>Les baisses les plus significatives sont enregistr\u00e9es pour les dossiers pr\u00e9sentant les meilleures garanties<\/strong>. Les excellents taux plongent jusqu\u2019\u00e0 25 points de base sur les dur\u00e9es les plus longues (sur 20 et 25 ans) et de 10 points de base sur 15 ans. En revanche, sur 10 ans l\u2019excellent taux reste \u00e0 l\u2019\u00e9quilibre et la tendance est \u00e0 l\u2019ajustement sur 7 ans (en hausse de 20 points).<\/p>\n<p>En ce qui concerne les bons taux, les mouvements sont orient\u00e9s \u00e0 la baisse des taux sur toutes les dur\u00e9es d\u2019emprunt. Sur 10, 15 et 25 ans, les bons taux sont en repli de 10 points et de 5 points sur 7 et 20 ans.<\/p>\n<p>Voici en d\u00e9tail l\u2019\u00e9volution des taux mini en ce mois de d\u00e9cembre 2024 :<\/p>\n<ul>\n<li>sur 7 ans, l\u2019excellent taux augmente de 20 points de base pour s\u2019\u00e9tablir \u00e0 2,80 %\u2009;<\/li>\n<li>sur 10 ans, l\u2019excellent taux reste stable \u00e0 2,80 %\u2009;<\/li>\n<li>sur 15 ans, l\u2019excellent taux baisse de 10 points de base et passe \u00e0 3,00 %\u2009;<\/li>\n<li>sur 20 ans, l\u2019excellent taux du march\u00e9 passe de 3,25 % \u00e0 3,00 %, soit un repli de 25 points de base\u2009;<\/li>\n<li>sur 25 ans, l\u2019excellent taux est en repli de 25 points de base et s\u2019affiche \u00e0 3,00 %.<\/li>\n<\/ul>\n<h2>L\u2019offensive des banques<\/h2>\n<p>Les \u00e9tablissements continuent de maintenir une forte comp\u00e9titivit\u00e9 sur le march\u00e9 en cette fin d\u2019ann\u00e9e. Objectifs\u2009? <strong>Soutenir le financement et remplir leurs objectifs commerciaux<\/strong>. Pour cela, toutes les strat\u00e9gies sont bonnes et les banques n\u2019h\u00e9sitent pas \u00e0 redoubler d\u2019efforts. Selon les dossiers, les emprunteurs peuvent esp\u00e9rer obtenir :<\/p>\n<ul>\n<li>des d\u00e9cotes suppl\u00e9mentaires\u2009;<\/li>\n<li>des offres de pr\u00eat avec des conditions attractives.<\/li>\n<\/ul>\n<h2>N\u00e9gocier un emprunt au meilleur taux<\/h2>\n<p>Dans ce contexte, les porteurs de projet pr\u00e9sentant un <strong>dossier solide <\/strong>ont toutes les chances d\u2019obtenir de belles d\u00e9cotes. D\u2019autant plus que la Banque centrale europ\u00e9enne (BCE) pourrait confirmer <strong>une \u00e9ventuelle baisse des taux directeurs<\/strong> en cette fin 2024. De quoi maintenir cette dynamique positive de march\u00e9 \u00e0 quelques jours des f\u00eates.<\/p>\n<p>Les incertitudes li\u00e9es \u00e0 la censure du gouvernement ne semblent donc pas nuire \u00e0 l\u2019enthousiasme des partenaires sur le march\u00e9 du cr\u00e9dit.<\/p>\n<p>Pour profiter de ces conditions favorables, l\u2019accompagnement d\u2019un courtier en cr\u00e9dit reste indispensable. Gr\u00e2ce \u00e0 sa connaissance fine du cr\u00e9dit, cet expert sait consolider un dossier et obtenir un financement adapt\u00e9, avec les meilleures conditions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019embellie continue de s\u2019installer sur le barom\u00e8tre des taux qui n\u2019en finissent plus de fondre\u2009! Une bonne nouvelle pour les candidats qui souhaitent lancer leur projet d\u2019achat [&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-8686","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 de cr\u00e9dit immobilier : les baissent ne s\u2019arr\u00eatent plus\u2009! - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les taux continuent de plonger en cette fin d\u2019ann\u00e9e 2024 et atteignent m\u00eame 3 % sur 20 ans\u2009! Une excellente nouvelle pour les emprunteurs qui retrouvent du pouvoir d\u2019achat immobilier.\" \/>\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\/taux-de-credit-immobilier-les-baissent-ne-sarretent-plus.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Taux de cr\u00e9dit immobilier : les baissent ne s\u2019arr\u00eatent plus\u2009! - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les taux continuent de plonger en cette fin d\u2019ann\u00e9e 2024 et atteignent m\u00eame 3 % sur 20 ans\u2009! 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