{"id":8721,"date":"2025-02-21T08:00:15","date_gmt":"2025-02-21T07:00:15","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2025-02-20T16:29:49","modified_gmt":"2025-02-20T15:29:49","slug":"taux-de-credit-un-debut-dannee-favorable-a-lemprunt","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit-un-debut-dannee-favorable-a-lemprunt.html","title":{"rendered":"Taux de cr\u00e9dit : un d\u00e9but d\u2019ann\u00e9e favorable \u00e0 l\u2019emprunt\u2009!"},"content":{"rendered":"<p>Le recul des taux de cr\u00e9dit immobilier se poursuit en ce d\u00e9but d\u2019ann\u00e9e. Une bonne surprise pour les emprunteurs qui souhaitent concr\u00e9tiser un <strong>projet d\u2019achat en 2025<\/strong>.<\/p>\n<h2>Tendance \u00e0 la baisse des taux de cr\u00e9dit<\/h2>\n<p>Les conditions de financement restent avantageuses en ce mois de f\u00e9vrier 2025. Les taux moyens restent \u00e0 l\u2019\u00e9quilibre sur la quasi-totalit\u00e9 des dur\u00e9es d\u2019emprunt sauf sur 20 ans. Sur cette dur\u00e9e, le taux est en repli de 5 points de base. Du c\u00f4t\u00e9 des excellents taux, l\u2019heure est \u00e0 la <strong>stabilisation des taux sur les dur\u00e9es les plus courtes<\/strong>. Sur 20 ans, le taux est en l\u00e9g\u00e8re baisse d\u2019un point. Les candidats pr\u00e9sentant les meilleures garanties peuvent n\u00e9anmoins esp\u00e9rer obtenir 3,09 % sur 25 ans, soit une d\u00e9cote de 5 points par rapport \u00e0 janvier.<\/p>\n<p>Voici en d\u00e9tail l\u2019\u00e9volution des taux mini en ce mois de f\u00e9vrier 2025 :<\/p>\n<ul>\n<li>sur 7 ans, l\u2019excellent taux reste stable \u00e0 2,65 %\u2009;<\/li>\n<li>sur 10 ans, l\u2019excellent taux ne bouge pas \u00e0 2,70 %\u2009;<\/li>\n<li>sur 15 ans, l\u2019excellent taux stagne \u00e0 2,90 %\u2009;<\/li>\n<li>sur 20 ans, l\u2019excellent taux du march\u00e9 passe de 3,00 % \u00e0 2,99 %\u2009;<\/li>\n<li>sur 25 ans, l\u2019excellent taux est en repli de 5 points et s\u2019affiche \u00e0 3,09 %.<\/li>\n<\/ul>\n<h2>Am\u00e9lioration du pouvoir d\u2019achat immobilier<\/h2>\n<p>Cette dynamique est particuli\u00e8rement favorable aux m\u00e9nages qui peuvent ainsi profiter :<\/p>\n<ul>\n<li>du soutien des \u00e9tablissements bancaires qui restent en qu\u00eate de nouveaux clients\u2009;<\/li>\n<li>d\u2019un <strong>taux comp\u00e9titif\u2009<\/strong>;<\/li>\n<li>d\u2019un meilleur<strong> pouvoir d\u2019achat immobilier.<\/strong><\/li>\n<\/ul>\n<p>Aussi, les candidats \u00e0 l\u2019emprunt sont plus que jamais invit\u00e9s \u00e0 effectuer plusieurs <a href=\"https:\/\/www.acecredit.fr\/fr\/demande-sans-engagement.html\">simulations de cr\u00e9dits<\/a> et \u00e0 <strong>comparer les offres<\/strong>.<\/p>\n<h2>Une situation qui pourrait ne pas durer<\/h2>\n<p>Si les taux actuels sont favorables \u00e0 l\u2019emprunt, rien n\u2019indique que cette situation dure. Le march\u00e9 \u00e9volue rapidement et reste influenc\u00e9 par plusieurs \u00e9l\u00e9ments. La preuve avec <strong>l\u2019\u00e9volution des obligations assimilables du Tr\u00e9sor (OAT, 10 ans) <\/strong>qui s\u2019\u00e9tait orient\u00e9 \u00e0 la hausse en janvier dernier avant de fl\u00e9chir. Toutefois, certaines mesures pourraient participer \u00e0 relancer le march\u00e9 immobilier, telles que :<\/p>\n<ul>\n<li><strong>l\u2019extension du pr\u00eat \u00e0 taux z\u00e9ro (PTZ) <\/strong>\u00e0 l\u2019ensemble du territoire ainsi qu\u2019au logement neuf\u2009;<\/li>\n<li>l\u2019exon\u00e9ration des dons d\u2019argent dans le cadre de l\u2019achat de sa r\u00e9sidence principale.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Le recul des taux de cr\u00e9dit immobilier se poursuit en ce d\u00e9but d\u2019ann\u00e9e. Une bonne surprise pour les emprunteurs qui souhaitent concr\u00e9tiser un projet d\u2019achat en 2025. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8721","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 : un d\u00e9but d\u2019ann\u00e9e favorable \u00e0 l\u2019emprunt\u2009! - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La dynamique baissi\u00e8re des taux de cr\u00e9dit immobilier se poursuit en f\u00e9vrier 2025. Une bonne nouvelle pour les emprunteurs !\" \/>\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-un-debut-dannee-favorable-a-lemprunt.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 : un d\u00e9but d\u2019ann\u00e9e favorable \u00e0 l\u2019emprunt\u2009! - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"La dynamique baissi\u00e8re des taux de cr\u00e9dit immobilier se poursuit en f\u00e9vrier 2025. 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minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-de-credit-un-debut-dannee-favorable-a-lemprunt.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-de-credit-un-debut-dannee-favorable-a-lemprunt.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Taux de cr\u00e9dit : un d\u00e9but d\u2019ann\u00e9e favorable \u00e0 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