{"id":8881,"date":"2025-10-24T18:00:02","date_gmt":"2025-10-24T16:00:02","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2025-10-24T15:07:24","modified_gmt":"2025-10-24T13:07:24","slug":"taux-de-credit-immobilier-le-marche-resiste-en-octobre","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-de-credit-immobilier-le-marche-resiste-en-octobre.html","title":{"rendered":"Taux de cr\u00e9dit immobilier : le march\u00e9 r\u00e9siste en octobre\u2009!"},"content":{"rendered":"<p>Les porteurs de projet peuvent se r\u00e9jouir\u2009! \u00c0 la mi-octobre 2025, les taux de cr\u00e9dit immobilier bougent l\u00e9g\u00e8rement, mais restent globalement <strong>favorables <\/strong>aux emprunteurs.<\/p>\n<h2>L\u00e9g\u00e8res hausses des taux<\/h2>\n<p>Une belle surprise. Malgr\u00e9 les r\u00e9cents \u00e9v\u00e9nements politiques et les nombreuses incertitudes, les taux de pr\u00eat immobilier ne s\u2019emballent pas. Pas de flamb\u00e9e, ni de panique, \u00e0 peine quelques <strong>fr\u00e9missements<\/strong>. Du c\u00f4t\u00e9 des taux du march\u00e9, les seules variations concernent le meilleur taux sur 7 et 15 ans qui augmente l\u00e9g\u00e8rement de<strong> 5 points de base<\/strong>. En ce qui concerne les excellents taux, r\u00e9serv\u00e9s aux profils les plus solides, la progression est plus sensible. Toutes les dur\u00e9es d\u2019emprunt sont concern\u00e9es, avec des hausses qui oscillent entre<strong> +5 et +16 points de base<\/strong>.<\/p>\n<p>Voici en d\u00e9tail l\u2019\u00e9volution des taux mini en ce mois d\u2019octobre 2025 :<\/p>\n<ul>\n<li>sur 7 ans, l\u2019excellent taux \u00e9volue de 5 points de base et passe \u00e0 2,60 %\u2009;<\/li>\n<li>sur 10 ans, l\u2019excellent taux atteint 2,70 %, soit une hausse de 15 points de base \u2009;<\/li>\n<li>sur 15 ans, l\u2019excellent taux est en progression de 15 points de base et passe de 2,75 %\u2009\u00e0 2,90 %\u2009;<\/li>\n<li>sur 20 ans, l\u2019excellent taux du march\u00e9 s\u2019\u00e9tablit \u00e0 3,00 % soit une hausse de 10 points de base\u2009;<\/li>\n<li>sur 25 ans, l\u2019excellent taux enregistre une hausse de 16 points de base pour atteindre 3,15 %.<\/li>\n<\/ul>\n<h2>Des taux propices aux projets immobiliers<\/h2>\n<p>Si certains \u00e9tablissements <strong>ajustent leurs bar\u00e8mes<\/strong> \u00e0 la marge, aucun signe d\u2019inqui\u00e9tude majeur n\u2019est \u00e0 relever. Ces quelques l\u00e9gers mouvements haussiers refl\u00e8tent surtout une volont\u00e9 de contr\u00f4ler le volume de dossiers sur 2025. En effet, la majorit\u00e9 des banques ont d\u00e9j\u00e0 atteint leurs <strong>objectifs annuels<\/strong>. Pour les emprunteurs, le contexte reste <strong>favorable <\/strong>\u00e0 la concr\u00e9tisation d\u2019un achat immobilier, avec :<\/p>\n<ul>\n<li>des<strong> taux d\u2019emprunts<\/strong> encore inf\u00e9rieurs aux niveaux d\u2019avant 2020\u2009;<\/li>\n<li>des conditions d\u2019octroi d\u00e9sormais stabilis\u00e9es, qui redonnent confiance aux m\u00e9nages.<\/li>\n<\/ul>\n<h2>De nouveaux dispositifs de soutien<\/h2>\n<p>Ce mois d\u2019octobre s\u2019annonce d\u00e9terminant pour les porteurs de projet. Deux leviers majeurs viennent en effet renforcer la dynamique du march\u00e9 :<\/p>\n<ul>\n<li><strong>l\u2019\u00e9largissement du pr\u00eat \u00e0 taux z\u00e9ro<\/strong> (PTZ) \u00e0 pr\u00e8s de 500 nouvelles communes, un v\u00e9ritable atout pour les primo-acc\u00e9dants\u2009;<\/li>\n<li>le retour de <strong>MaPrimeR\u00e9nov<\/strong>\u2019, recentr\u00e9e depuis le 30 septembre sur les logements class\u00e9s E \u00e0 G au DPE, afin de soutenir les r\u00e9novations \u00e9nerg\u00e9tiques d\u2019ampleur.<\/li>\n<\/ul>\n<p>Si la p\u00e9riode reste propice pour emprunter, le contexte politique incertain incite \u00e0 rester vigilant. Parier sur une <strong>future baisse des taux <\/strong>serait risqu\u00e9 : mieux vaut anticiper et constituer un <strong>dossier solide<\/strong> d\u00e8s \u00e0 pr\u00e9sent. Avec l\u2019aide d\u2019un <a href=\"https:\/\/www.acecredit.fr\/fr\/credit-immobilier-en-ligne.html\">courtier immobilier<\/a>, il reste tout \u00e0 fait possible d\u2019obtenir un financement attractif dans les semaines \u00e0 venir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les porteurs de projet peuvent se r\u00e9jouir\u2009! \u00c0 la mi-octobre 2025, les taux de cr\u00e9dit immobilier bougent l\u00e9g\u00e8rement, mais restent globalement favorables aux emprunteurs. L\u00e9g\u00e8res hausses des [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8884,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8881","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 : le march\u00e9 r\u00e9siste en octobre\u2009! - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Taux de cr\u00e9dit immobilier : l\u00e9g\u00e8re hausse sur la m\u00e9t\u00e9o des taux en octobre, mais le march\u00e9 r\u00e9siste et les vents restent favorables \u00e0 l\u2019emprunt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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