{"id":8735,"date":"2025-03-20T16:56:16","date_gmt":"2025-03-20T15:56:16","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2025-03-20T16:56:16","modified_gmt":"2025-03-20T15:56:16","slug":"taux-de-credit-cest-le-printemps-pour-les-emprunteurs","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit-cest-le-printemps-pour-les-emprunteurs.html","title":{"rendered":"Taux de cr\u00e9dit : c\u2019est le printemps pour les emprunteurs\u2009!"},"content":{"rendered":"<p>On n&rsquo;arr\u00eate plus la <strong>baisse des taux de cr\u00e9dit<\/strong>. Une excellente nouvelle pour les emprunteurs qui souhaitent r\u00e9aliser un achat immobilier en 2025.<\/p>\n<h2>Dynamique baissi\u00e8re des taux de cr\u00e9dit<\/h2>\n<p>Les bar\u00e8mes bancaires poursuivent bel et bien leur<strong> dynamique baissi\u00e8re <\/strong>au mois de mars 2025. Ainsi, les mouvements concernant les taux moyens sont tous orient\u00e9s \u00e0 la baisse. Les plus fortes variations sont enregistr\u00e9es sur 7 et 10 ans avec un repli qui atteint 10 points de base. Sur les dur\u00e9es les plus longues, 15, 20 et 25 ans, le repli des taux est de 5 points de base. En revanche, du c\u00f4t\u00e9 des excellents taux, l\u2019heure reste \u00e0 l\u2019\u00e9quilibre. Les porteurs de projet pr\u00e9sentant les garanties les plus solides peuvent toutefois esp\u00e9rer une d\u00e9cote de 5 points de base sur 7 ans.<\/p>\n<p>Voici en d\u00e9tail l\u2019\u00e9volution des taux mini en ce mois de mars 2025 :<\/p>\n<ul>\n<li>sur 7 ans, l\u2019excellent taux passe de 2,65 % \u00e0 2,60 %\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 reste \u00e0 l\u2019\u00e9quilibre \u00e0 2,99 %\u2009;<\/li>\n<li>sur 25 ans, l\u2019excellent taux s\u2019affiche toujours \u00e0 3,09 %.<\/li>\n<\/ul>\n<h2>Soutien au cr\u00e9dit immobilier<\/h2>\n<p>Le cadre reste donc particuli\u00e8rement favorable pour les futurs acqu\u00e9reurs. En plus de la baisse des taux de cr\u00e9dit, ces derniers peuvent ainsi continuer de b\u00e9n\u00e9ficier du <strong>soutien des \u00e9tablissements bancaires <\/strong>qui n\u2019h\u00e9sitent pas \u00e0 :<\/p>\n<ul>\n<li>appliquer des <strong>d\u00e9cotes suppl\u00e9mentaires<\/strong>\u2009;<\/li>\n<li>offrir des conditions avantageuses.<\/li>\n<\/ul>\n<p>Aussi, avant de signer au <a href=\"https:\/\/www.acecredit.fr\/fr\/credit-immobilier-en-ligne.html\">meilleur taux,<\/a> il est fortement conseill\u00e9 d\u2019effectuer plusieurs simulations de cr\u00e9dits afin de comparer les offres.<\/p>\n<h2>Un contexte favorable, jusqu\u2019\u00e0 quand\u2009?<\/h2>\n<p>Par ailleurs, plusieurs bonnes nouvelles contribuent \u00e0 redonner des couleurs au march\u00e9 du cr\u00e9dit. On peut notamment relever les r\u00e9centes mesures vot\u00e9es avec<strong> le projet de loi des finances 2025<\/strong>, comme :<\/p>\n<ul>\n<li><strong>l\u2019\u00e9largissement <\/strong>du <strong>pr\u00eat \u00e0 taux z\u00e9ro<\/strong> \u00e0 l\u2019ensemble des biens neufs d\u00e8s le 1<sup>er<\/sup> avril prochain\u2009;<\/li>\n<li>l\u2019augmentation temporaire des droits de mutation.<\/li>\n<\/ul>\n<p>Autre signal positif : l\u2019annonce de la<strong> baisse des obligations assimilables du Tr\u00e9sor<\/strong> (OAT, 10 ans). Un indice qui, pour rappel, est utilis\u00e9 comme indicateur pour fixer les taux. Reste que m\u00eame si la d\u00e9cision r\u00e9cente de la Banque centrale europ\u00e9enne (BCE) s\u2019inscrit dans une <strong>logique de d\u00e9tente mon\u00e9taire,<\/strong> le march\u00e9 \u00e9volue rapidement. Et face aux derni\u00e8res tensions internationales, l\u2019achat immobilier semble incertain.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On n&rsquo;arr\u00eate plus la baisse des taux de cr\u00e9dit. Une excellente nouvelle pour les emprunteurs qui souhaitent r\u00e9aliser un achat immobilier en 2025. Dynamique baissi\u00e8re des taux [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6153,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8735","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 : c\u2019est le printemps pour les emprunteurs\u2009! - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Bonne nouvelle, les taux de cr\u00e9dit immobilier poursuivent leur baisse. 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