{"id":8756,"date":"2025-04-18T08:00:01","date_gmt":"2025-04-18T06:00:01","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2025-04-17T17:18:19","modified_gmt":"2025-04-17T15:18:19","slug":"taux-immobiliers-le-retour-des-hausses-faut-il-sen-inquieter","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-immobiliers-le-retour-des-hausses-faut-il-sen-inquieter.html","title":{"rendered":"Taux immobiliers : le retour des hausses, faut-il s\u2019en inqui\u00e9ter\u2009?"},"content":{"rendered":"<p>Apr\u00e8s plusieurs mois de repli, les taux immobiliers montrent des<strong> signes de remont\u00e9e<\/strong> en avril. Simple fr\u00e9missement ou faut-il s\u2019attendre \u00e0 un retournement du march\u00e9\u2009?<\/p>\n<h2>Des hausses discr\u00e8tes<\/h2>\n<p>Cela faisait plus d\u2019un an que l\u2019on n\u2019avait pas vu une telle tendance. Depuis janvier 2024, les taux immobiliers n\u2019ont cess\u00e9 de reculer (ou stagner). Mais en ce mois d\u2019avril 2025, la courbe repart l\u00e9g\u00e8rement \u00e0 la hausse, du moins sur les emprunts de courte dur\u00e9e. Ainsi, les taux moyens pour les cr\u00e9dits sur 7 et 10 ans augmentent de <strong>5 points de base<\/strong>, atteignant respectivement 3,10 % et 3,15 %. Sur 15 ans, une baisse de 5 points de base est observ\u00e9e, tandis que les dur\u00e9es plus longues (20 et 25 ans) restent inchang\u00e9es \u00e0 3,35 % et 3,45 %.<\/p>\n<p>En revanche, du c\u00f4t\u00e9 des<strong> excellents taux<\/strong>, l\u2019heure est \u00e0 la baisse. Les porteurs de projet pr\u00e9sentant les garanties les plus solides peuvent esp\u00e9rer des <strong>d\u00e9cotes entre 5 et 25 points de base<\/strong>.<\/p>\n<p>Voici en d\u00e9tail l\u2019\u00e9volution des taux mini en ce mois d\u2019avril 2025 :<\/p>\n<ul>\n<li>sur 7 ans, l\u2019excellent taux passe de 2,60 % \u00e0 2,55 %, soit une baisse de 5 points de base\u2009;<\/li>\n<li>sur 10 ans, l\u2019excellent taux baisse de 15 points de base pour s\u2019\u00e9tablir \u00e0 2,55 %\u2009;<\/li>\n<li>sur 15 ans, l\u2019excellent taux plonge de 2,90 %\u2009\u00e0 2,65 %\u2009;<\/li>\n<li>sur 20 ans, l\u2019excellent taux du march\u00e9 est en repli de 9 points de base pour atteindre 2,90 %\u2009;<\/li>\n<li>sur 25 ans, l\u2019excellent taux s\u2019affiche \u00e0 3,00 %, soit un l\u00e9ger recul de 9 points de basse.<\/li>\n<\/ul>\n<h2>Les banques favorables au cr\u00e9dit<\/h2>\n<p>Face \u00e0 ce d\u00e9but de remont\u00e9e, il existe n\u00e9anmoins <strong>de belles opportunit\u00e9s pour les emprunteurs bien pr\u00e9par\u00e9s<\/strong>. Les \u00ab\u2009excellents taux\u2009\u00bb\u00a0 accord\u00e9s aux profils les plus solides\u00a0 sont en baisse sur toutes les dur\u00e9es. Dans un climat \u00e9conomique qui invite pourtant \u00e0 la prudence, les banques continuent de se montrer offensives pour <strong>s\u00e9duire une client\u00e8le premium<\/strong>. Selon les \u00e9tablissements, il est possible d\u2019obtenir :<\/p>\n<ul>\n<li>des taux promotionnels\u2009;<\/li>\n<li>des conditions avantageuses.<\/li>\n<\/ul>\n<h2>Une conjoncture \u00e0 surveiller de pr\u00e8s<\/h2>\n<p>La p\u00e9riode reste donc globalement favorable pour emprunter, m\u00eame si la prudence est de mise. Si les baisses de d\u00e9but d\u2019ann\u00e9e ont offert un souffle bienvenu aux emprunteurs, les tensions g\u00e9opolitiques persistantes pourraient, en effet, \u00e0 moyen terme :<\/p>\n<ul>\n<li>peser sur le co\u00fbt de l\u2019argent ;<\/li>\n<li>influer sur les conditions de cr\u00e9dit.<\/li>\n<\/ul>\n<p>En attendant, les emprunteurs les mieux pr\u00e9par\u00e9s, revenus stables, apport cons\u00e9quent, bonne gestion budg\u00e9taire, peuvent encore <strong>profiter de conditions avantageuses<\/strong>. Mais pour les autres, le moment est peut-\u00eatre venu d\u2019agir avant que la fen\u00eatre ne se referme.<\/p>\n<p>Dans ce contexte mouvant, faire appel \u00e0<a href=\"https:\/\/www.acecredit.fr\/fr\/credit-immobilier-en-ligne.html\"> un courtier en cr\u00e9dit immobilier<\/a> peut s\u2019av\u00e9rer d\u00e9cisif. Cet expert sait comment b\u00e2tir un dossier solide afin d\u2019obtenir les taux les plus attractifs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apr\u00e8s plusieurs mois de repli, les taux immobiliers montrent des signes de remont\u00e9e en avril. Simple fr\u00e9missement ou faut-il s\u2019attendre \u00e0 un retournement du march\u00e9\u2009? Des hausses [&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-8756","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 immobiliers : le retour des hausses, faut-il s\u2019en inqui\u00e9ter\u2009? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les taux remontent l\u00e9g\u00e8rement en avril. 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