{"id":8769,"date":"2025-05-27T13:50:56","date_gmt":"2025-05-27T11:50:56","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2025-05-27T13:50:56","modified_gmt":"2025-05-27T11:50:56","slug":"taux-de-credit","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html","title":{"rendered":"Taux de cr\u00e9dit : retour \u00e0 l\u2019\u00e9quilibre, une opportunit\u00e9 pour les acheteurs\u2009?"},"content":{"rendered":"<p>Les <strong>taux de cr\u00e9dit retrouvent leur \u00e9quilibre<\/strong>, apr\u00e8s la remont\u00e9e du mois dernier. Une aubaine pour les candidats \u00e0 l\u2019emprunt immobilier.<\/p>\n<h2>Des bar\u00e8mes inchang\u00e9s<\/h2>\n<p>Apr\u00e8s les l\u00e9g\u00e8res hausses observ\u00e9es en avril, mai s\u2019ouvre sur une stabilit\u00e9 presque g\u00e9n\u00e9rale des taux. Ainsi, pas de changement pour les excellents taux. Les candidats pr\u00e9sentant les meilleures garanties peuvent continuer \u00e0 profiter de taux favorables \u00e0 l\u2019achat avec des offres \u00e0<strong> 3 % sur 25 ans<\/strong> en moyenne. En ce qui concerne l\u2019orientation des taux moyens, le constat est identique. Les <strong>bar\u00e8mes restent inchang\u00e9s<\/strong> sauf pour la dur\u00e9e la plus courte qui affiche une d\u00e9cote minime de 5 points de base.<\/p>\n<p>Voici en d\u00e9tail l\u2019\u00e9volution des taux mini en ce mois de mai 2025 :<\/p>\n<ul>\n<li>sur 7 ans, l\u2019excellent taux reste stable \u00e0 2,55 %\u2009;<\/li>\n<li>sur 10 ans, l\u2019excellent taux stagne \u00e0 2,55 %\u2009;<\/li>\n<li>sur 15 ans, l\u2019excellent taux ne bouge pas et reste \u00e0 2,65 %\u2009;<\/li>\n<li>sur 20 ans, l\u2019excellent taux du march\u00e9 se stabilise \u00e0 2,90 %\u2009;<\/li>\n<li>sur 25 ans, l\u2019excellent taux s\u2019affiche toujours \u00e0 3,00 %.<\/li>\n<\/ul>\n<h2>Taux de cr\u00e9dit : un printemps favorable \u00e0 l\u2019emprunt<\/h2>\n<p>Cette stabilit\u00e9 confirme la confiance des \u00e9tablissements bancaires et leur soutien au march\u00e9 du cr\u00e9dit. Certains n\u2019h\u00e9sitent pas \u00e0 <strong>ajuster leur bar\u00e8me<\/strong> et \u00e0 consentir, en fonction des profils emprunteurs :<\/p>\n<ul>\n<li>des d\u00e9cotes suppl\u00e9mentaires\u2009;<\/li>\n<li>des conditions avantageuses.<\/li>\n<\/ul>\n<p>Les candidats dont le projet est mature sont donc plus que jamais invit\u00e9s \u00e0 v\u00e9rifier la faisabilit\u00e9 de leur achat. En utilisant les calculettes en ligne, il est possible d\u2019effectuer une <a href=\"https:\/\/www.acecredit.fr\/fr\/calcul-pret-immobilier.html\">simulation de pr\u00eat immobilier<\/a> en quelques instants seulement.<\/p>\n<h2>Obtenir un cr\u00e9dit au meilleur taux avant l\u2019\u00e9t\u00e9<\/h2>\n<p>Le contexte reste donc plus que jamais favorable \u00e0 l\u2019emprunt, aliment\u00e9 notamment par les d\u00e9cisions r\u00e9centes de la Banque centrale europ\u00e9enne (BCE) :<\/p>\n<ul>\n<li>de ne pas augmenter le co\u00fbt de l\u2019argent en d\u00e9pit du climat international incertain\u2009;<\/li>\n<li>d\u2019abaisser ses <strong>taux directeurs de 0,25 point<\/strong>.<\/li>\n<\/ul>\n<p>Parall\u00e8lement, les taux des<strong> obligations d\u2019\u00c9tat \u00e0 10 ans (OAT)<\/strong>, indicateurs cl\u00e9s pour les banques, sont rest\u00e9s stables ou en l\u00e9ger recul ces derni\u00e8res semaines. Toutefois, rien ne permet d\u2019indiquer que cette tendance va se poursuivre. C\u2019est pourquoi mieux vaut ne pas attendre pour pr\u00e9senter un dossier de demande consolid\u00e9. Les acheteurs les mieux pr\u00e9par\u00e9s ont toutes les chances d\u2019obtenir les <strong>meilleures conditions de financement<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les taux de cr\u00e9dit retrouvent leur \u00e9quilibre, apr\u00e8s la remont\u00e9e du mois dernier. Une aubaine pour les candidats \u00e0 l\u2019emprunt immobilier. Des bar\u00e8mes inchang\u00e9s Apr\u00e8s les l\u00e9g\u00e8res [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7281,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8769","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 : retour \u00e0 l\u2019\u00e9quilibre, une opportunit\u00e9 pour les acheteurs\u2009? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les taux de cr\u00e9dit se stabilisent en mai. Bonne nouvelle pour les emprunteurs qui souhaitent concr\u00e9tiser un achat avant l\u2019\u00e9t\u00e9.\" \/>\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.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 : retour \u00e0 l\u2019\u00e9quilibre, une opportunit\u00e9 pour les acheteurs\u2009? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les taux de cr\u00e9dit se stabilisent en mai. Bonne nouvelle pour les emprunteurs qui souhaitent concr\u00e9tiser un achat avant l\u2019\u00e9t\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-27T11:50:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 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.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-de-credit.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Taux de cr\u00e9dit : retour \u00e0 l\u2019\u00e9quilibre, une opportunit\u00e9 pour les acheteurs\u2009?\",\"datePublished\":\"2025-05-27T11:50:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-de-credit.html\"},\"wordCount\":410,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-de-credit.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/taux-1.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-de-credit.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/taux-1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/taux-1.jpg\",\"width\":1200,\"height\":800,\"caption\":\"Taux de cr\u00e9dit\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-de-credit.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Taux de cr\u00e9dit : retour \u00e0 l\u2019\u00e9quilibre, une opportunit\u00e9 pour les acheteurs\u2009?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Taux de cr\u00e9dit : retour \u00e0 l\u2019\u00e9quilibre, une opportunit\u00e9 pour les acheteurs\u2009? - Ace Cr\u00e9dit","description":"Les taux de cr\u00e9dit se stabilisent en mai. Bonne nouvelle pour les emprunteurs qui souhaitent concr\u00e9tiser un achat avant l\u2019\u00e9t\u00e9.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html","og_locale":"fr_FR","og_type":"article","og_title":"Taux de cr\u00e9dit : retour \u00e0 l\u2019\u00e9quilibre, une opportunit\u00e9 pour les acheteurs\u2009? - Ace Cr\u00e9dit","og_description":"Les taux de cr\u00e9dit se stabilisent en mai. Bonne nouvelle pour les emprunteurs qui souhaitent concr\u00e9tiser un achat avant l\u2019\u00e9t\u00e9.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2025-05-27T11:50:56+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-1.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Taux de cr\u00e9dit : retour \u00e0 l\u2019\u00e9quilibre, une opportunit\u00e9 pour les acheteurs\u2009?","datePublished":"2025-05-27T11:50:56+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html"},"wordCount":410,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-1.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-1.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/taux-1.jpg","width":1200,"height":800,"caption":"Taux de cr\u00e9dit"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Taux de cr\u00e9dit : retour \u00e0 l\u2019\u00e9quilibre, une opportunit\u00e9 pour les acheteurs\u2009?"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/8769","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=8769"}],"version-history":[{"count":3,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/8769\/revisions"}],"predecessor-version":[{"id":8772,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/8769\/revisions\/8772"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/7281"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=8769"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=8769"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=8769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}