{"id":8901,"date":"2026-01-14T18:00:57","date_gmt":"2026-01-14T17:00:57","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2026-01-14T16:29:46","modified_gmt":"2026-01-14T15:29:46","slug":"immobilier-taux-stables-mais","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-taux-stables-mais.html","title":{"rendered":"Immobilier : des taux globalement stables, mais&#8230;"},"content":{"rendered":"<p>En janvier 2026, le march\u00e9 du cr\u00e9dit immobilier d\u00e9bute l\u2019ann\u00e9e sur une dynamique globalement stable, m\u00eame si certaines dur\u00e9es enregistrent de l\u00e9g\u00e8res hausses. Les taux moyens sur 15 et 20 ans restent inchang\u00e9s, <strong>respectivement \u00e0 3,30 % et 3,35 %<\/strong>, confirmant la relative solidit\u00e9 du march\u00e9 sur ces maturit\u00e9s privil\u00e9gi\u00e9es par les emprunteurs.<\/p>\n<p>En revanche, les pr\u00eats sur 10 et 25 ans subissent une augmentation mod\u00e9r\u00e9e de 0,05 point. <strong>Le taux moyen atteint ainsi 3,20 % sur 10 ans et 3,50 % sur 25 ans<\/strong>. Ces ajustements s\u2019inscrivent dans un contexte de remont\u00e9e des OAT (obligations assimilables du tr\u00e9sor) observ\u00e9e depuis le d\u00e9but de l\u2019ann\u00e9e, mais aussi dans un climat d\u2019attentisme li\u00e9 \u00e0 l\u2019instabilit\u00e9 politique et au calendrier budg\u00e9taire. Certains partenaires bancaires ont d\u2019ailleurs r\u00e9cemment revu leurs bar\u00e8mes \u00e0 la hausse, avec des augmentations pouvant aller de 0,10 \u00e0 0,15 %.<\/p>\n<h2>Des taux mini en recul et des opportunit\u00e9s \u00e0 saisir pour les bons profils<\/h2>\n<p>Malgr\u00e9 ces hausses cibl\u00e9es, les conditions restent attractives pour les emprunteurs pr\u00e9sentant de solides profils. En janvier, les taux mini reculent sur toutes les dur\u00e9es. Il est ainsi possible d\u2019obtenir un cr\u00e9dit immobilier \u00e0 partir <strong>de 2,65 % sur 10 ans, 2,75 % sur 15 ans, 2,85 % sur 20 ans et 3,15 % sur 25 ans<\/strong>.<\/p>\n<p>Cette \u00e9volution traduit la volont\u00e9 de certaines banques d\u2019adopter une strat\u00e9gie commerciale offensive en ce d\u00e9but d\u2019ann\u00e9e, afin de dynamiser leur production de cr\u00e9dits. Les marges de n\u00e9gociation restent donc bien pr\u00e9sentes, permettant aux m\u00e9nages disposant d\u2019un apport, de revenus stables et d\u2019une bonne gestion financi\u00e8re de b\u00e9n\u00e9ficier de conditions avantageuses, <strong>malgr\u00e9 un contexte \u00e9conomique encore incertain<\/strong>.<\/p>\n<h2>Taux d\u2019usure et PTZ : un march\u00e9 qui reste fonctionnel en 2026<\/h2>\n<p>Autre \u00e9volution notable en ce d\u00e9but d\u2019ann\u00e9e : <strong>la l\u00e9g\u00e8re hausse du taux d\u2019usure sur les pr\u00eats de plus de 20 ans<\/strong>, en progression de 0,04 point en janvier. Cette adaptation refl\u00e8te la hausse progressive des taux observ\u00e9e ces derniers mois et contribue \u00e0 pr\u00e9server la fluidit\u00e9 du march\u00e9. Elle permet d\u2019\u00e9viter un blocage par effet de ciseaux, comme cela avait pu \u00eatre le cas par le pass\u00e9, m\u00eame si les taux poursuivaient leur remont\u00e9e dans les mois \u00e0 venir.<\/p>\n<p>Dans ce contexte, 2026 d\u00e9bute avec des perspectives encourageantes pour les porteurs de projets. Le retour prochain du pr\u00eat \u00e0 taux z\u00e9ro constitue une opportunit\u00e9 majeure, notamment pour financer un achat dans le neuf ou dans l\u2019ancien avec travaux. Anticiper son projet, \u00e9tudier sa capacit\u00e9 d\u2019emprunt et s\u00e9curiser son financement d\u00e8s maintenant appara\u00eet plus que jamais <strong>pertinent pour concr\u00e9tiser ses ambitions immobili\u00e8res dans les meilleures conditions<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En janvier 2026, le march\u00e9 du cr\u00e9dit immobilier d\u00e9bute l\u2019ann\u00e9e sur une dynamique globalement stable, m\u00eame si certaines dur\u00e9es enregistrent de l\u00e9g\u00e8res hausses. Les taux moyens sur [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8904,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8901","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>Immobilier : des taux globalement stables, mais... - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"En 2026, le march\u00e9 du cr\u00e9dit immobilier d\u00e9bute sur une dynamique globalement stable, m\u00eame si certaines dur\u00e9es enregistrent de l\u00e9g\u00e8res hausses.\" \/>\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\/immobilier-taux-stables-mais.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Immobilier : des taux globalement stables, mais... - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"En 2026, le march\u00e9 du cr\u00e9dit immobilier d\u00e9bute sur une dynamique globalement stable, m\u00eame si certaines dur\u00e9es enregistrent de l\u00e9g\u00e8res hausses.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-taux-stables-mais.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-14T17:00:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/immo-ace-taux-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\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\\\/immobilier-taux-stables-mais.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/immobilier-taux-stables-mais.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Immobilier : des taux globalement stables, mais&#8230;\",\"datePublished\":\"2026-01-14T17:00:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/immobilier-taux-stables-mais.html\"},\"wordCount\":459,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/immobilier-taux-stables-mais.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/immo-ace-taux-scaled.jpeg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/immobilier-taux-stables-mais.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/immo-ace-taux-scaled.jpeg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/immo-ace-taux-scaled.jpeg\",\"width\":2560,\"height\":1707,\"caption\":\"House on calculator. 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