{"id":8824,"date":"2025-08-11T08:00:27","date_gmt":"2025-08-11T06:00:27","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2025-08-08T11:21:18","modified_gmt":"2025-08-08T09:21:18","slug":"taux-credit-immobilier-ete-bon-moment","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-credit-immobilier-ete-bon-moment.html","title":{"rendered":"Taux de cr\u00e9dit immobilier : l\u2019\u00e9t\u00e9, le bon moment pour acheter !"},"content":{"rendered":"<p>Sans surprise, les taux de cr\u00e9dit immobilier restent \u00e0 <strong>l\u2019\u00e9quilibre en ao\u00fbt<\/strong>. Une fen\u00eatre \u00e0 saisir pour les candidats \u00e0 l\u2019emprunt immobilier.<\/p>\n<h2>Stabilit\u00e9 des taux<\/h2>\n<p>C\u2019est la pause estivale pour les taux. Comme tous les ans, <strong>l\u2019\u00e9t\u00e9 rime avec immobilisme<\/strong> sur le front du cr\u00e9dit immobilier. Et 2025 ne fait pas exception \u00e0 la r\u00e8gle. Ainsi, en ao\u00fbt, pas de changement concernant les taux du march\u00e9.<\/p>\n<p>Les <strong>bar\u00e8mes restent inchang\u00e9s <\/strong>et les porteurs de projet peuvent esp\u00e9rer obtenir un taux de 3,35 % sur 20 ans. M\u00eame constat du c\u00f4t\u00e9 des excellents taux, qui restent \u00e0 l\u2019\u00e9quilibre sur toutes les dur\u00e9es.<\/p>\n<p>Voici en d\u00e9tail l\u2019\u00e9volution des taux mini en ce mois d\u2019ao\u00fbt 2025 :<\/p>\n<ul>\n<li>sur 7 ans, l\u2019excellent taux ne bouge pas et reste \u00e0 2,55 %\u2009;<\/li>\n<li>sur 10 ans, l\u2019excellent taux s\u2019\u00e9tablit toujours \u00e0 2,55 %\u2009;<\/li>\n<li>sur 15 ans, l\u2019excellent taux reste stable \u00e0 2,75 %\u2009;<\/li>\n<li>sur 20 ans, l\u2019excellent taux du march\u00e9 stagne \u00e0 2,90 %\u2009;<\/li>\n<li>sur 25 ans, l\u2019excellent taux reste \u00e0 l\u2019\u00e9quilibre \u00e0 3,15 %.<\/li>\n<\/ul>\n<h2>Une phase de stagnation favorable \u00e0 l\u2019emprunt<\/h2>\n<p>Cette stabilisation s\u2019explique par un double ph\u00e9nom\u00e8ne :<\/p>\n<ul>\n<li>d\u2019un c\u00f4t\u00e9 une activit\u00e9 bancaire traditionnellement ralentie pendant les cong\u00e9s\u2009;<\/li>\n<li>de l\u2019autre, une strat\u00e9gie prudente des \u00e9tablissements pr\u00eateurs qui choisissent de <strong>maintenir leurs bar\u00e8mes<\/strong>.<\/li>\n<\/ul>\n<p>Une strat\u00e9gie adopt\u00e9e \u00e9galement par la Banque centrale europ\u00e9enne (BCE) qui vient de d\u00e9cider d\u2019un <strong>statu quo<\/strong>. Apr\u00e8s huit baisses successives, l\u2019organisme a choisi de ne pas <strong>changer ses taux directeurs<\/strong>. De quoi permettre aux acheteurs de b\u00e9n\u00e9ficier de conditions de financement pr\u00e9visibles et favorables.<\/p>\n<p>Les banques restent donc ouvertes aux financements et pr\u00eates \u00e0 consentir des conditions d\u2019octroi plus <strong>attractives<\/strong>, notamment pour les dossiers les plus solides. Pour cela, il reste vivement conseill\u00e9 de <a href=\"https:\/\/www.acecredit.fr\/fr\/trouver-une-agence.html\">faire appel \u00e0 un courtier<\/a>. Gr\u00e2ce \u00e0 son r\u00e9seau de partenaires et son savoir-faire, ce professionnel sait d\u00e9crocher un <strong>cr\u00e9dit avec les meilleures conditions<\/strong>, adapt\u00e9es \u00e0 chaque emprunteur.<\/p>\n<h2>Une reprise du march\u00e9\u00a0?<\/h2>\n<p>Pour autant, malgr\u00e9 la p\u00e9riode, l\u2019heure n\u2019est pas au farniente pour le march\u00e9 du cr\u00e9dit. En effet, plusieurs signaux confirment que le <strong>march\u00e9 reprend de la vigueur<\/strong>. Les acheteurs reprennent peu \u00e0 peu confiance, encourag\u00e9s par des conditions de cr\u00e9dit encore accessibles et un environnement plus fluide apr\u00e8s des mois de blocage.<\/p>\n<p>Ce regain d\u2019int\u00e9r\u00eat pourrait<strong> s\u2019intensifier \u00e0 la rentr\u00e9e<\/strong>, une p\u00e9riode traditionnellement plus dynamique pour les projets immobiliers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sans surprise, les taux de cr\u00e9dit immobilier restent \u00e0 l\u2019\u00e9quilibre en ao\u00fbt. Une fen\u00eatre \u00e0 saisir pour les candidats \u00e0 l\u2019emprunt immobilier. Stabilit\u00e9 des taux C\u2019est la [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8827,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8824","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 : l\u2019\u00e9t\u00e9, le bon moment pour acheter ! - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Stabilit\u00e9 estivale pour les taux de cr\u00e9dit. 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