{"id":8916,"date":"2026-02-10T09:00:17","date_gmt":"2026-02-10T08:00:17","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2026-02-09T16:19:57","modified_gmt":"2026-02-09T15:19:57","slug":"taux-immobiliers-quelques-ajustements-en-fevrier-2026-et-des-opportunites","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-immobiliers-quelques-ajustements-en-fevrier-2026-et-des-opportunites.html","title":{"rendered":"Taux immobiliers : quelques ajustements en f\u00e9vrier 2026… et des opportunit\u00e9s"},"content":{"rendered":"

Le mois de f\u00e9vrier 2026 est marqu\u00e9 par quelques mouvements mesur\u00e9s sur le barom\u00e8tre des taux immobiliers Ace Cr\u00e9dit. Des \u00e9volutions qui ne remettent toutefois pas en cause les projets des emprunteurs, dans un contexte globalement stable.<\/p>\n

Sur 20 ans, le taux moyen de cr\u00e9dit immobilier progresse de 10 points de base pour s\u2019\u00e9tablir \u00e0 3,45 %, un niveau qui demeure attractif<\/strong>. Le taux de cr\u00e9dit immobilier sur 25 ans atteint quant \u00e0 lui 3,55 %, confirmant des conditions encore favorables pour financer un achat immobilier. \u00c0 contre-courant de la tendance nationale, la r\u00e9gion M\u00e9diterran\u00e9e enregistre quelques baisses ponctuelles.<\/p>\n

Les taux de cr\u00e9dit immobilier en f\u00e9vrier 2026<\/strong><\/h3>\n\n\n\n\n\n\n\n\n
Dur\u00e9e d\u2019emprunt<\/strong><\/td>\nTaux du march\u00e9<\/strong><\/td>\nMeilleur taux<\/strong><\/td>\n<\/tr>\n
7 ans<\/td>\n3,15 % (+ 5 pdb)<\/td>\n2,70 % (+ 5 pdb)<\/td>\n<\/tr>\n
10 ans<\/td>\n3,20 %<\/td>\n2,70 % (+ 5 pdb)<\/td>\n<\/tr>\n
15 ans<\/td>\n3,30 %<\/td>\n2,85 % (+ 10 pdb)<\/td>\n<\/tr>\n
20 ans<\/td>\n3,45 % (+ 10 pdb)<\/td>\n3,00 % (+ 15 pdb)<\/td>\n<\/tr>\n
25 ans<\/td>\n3,55 % (+ 5 pdb)<\/td>\n3,20 % (+ 5 pdb)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

* pdb = point de base<\/em><\/p>\n

L\u2019analyse Ace Cr\u00e9dit<\/strong><\/h3>\n

Malgr\u00e9 de l\u00e9g\u00e8res hausses sur certaines dur\u00e9es, le d\u00e9but d\u2019ann\u00e9e 2026 reste propice \u00e0 un projet immobilier. Les conditions actuelles invitent les emprunteurs \u00e0 anticiper leur capacit\u00e9 d\u2019emprunt<\/strong>, un indicateur cl\u00e9 pour s\u00e9curiser leur parcours d\u2019achat.<\/p>\n

Une premi\u00e8re estimation peut \u00eatre r\u00e9alis\u00e9e via notre simulateur en ligne. Pour une analyse plus fine, les courtiers Ace Cr\u00e9dit accompagnent les emprunteurs \u00e0 chaque \u00e9tape, afin de d\u00e9finir une enveloppe d\u2019achat r\u00e9aliste et coh\u00e9rente avec leur profil<\/strong>.<\/p>\n

Dans un march\u00e9 toujours concurrentiel, disposer d\u2019un accord de principe constitue un v\u00e9ritable avantage lors des n\u00e9gociations et permet de renforcer la cr\u00e9dibilit\u00e9 du dossier aupr\u00e8s des vendeurs.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le mois de f\u00e9vrier 2026 est marqu\u00e9 par quelques mouvements mesur\u00e9s sur le barom\u00e8tre des taux immobiliers Ace Cr\u00e9dit. Des \u00e9volutions qui ne remettent toutefois pas en […]<\/p>\n","protected":false},"author":4,"featured_media":8920,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nTaux immobiliers : quelques ajustements en f\u00e9vrier 2026... et des opportunit\u00e9s - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Le mois de f\u00e9vrier 2026 est marqu\u00e9 par quelques mouvements mesur\u00e9s sur le barom\u00e8tre des taux immobiliers Acecredit.\" \/>\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-immobiliers-quelques-ajustements-en-fevrier-2026-et-des-opportunites.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Taux immobiliers : quelques ajustements en f\u00e9vrier 2026... et des opportunit\u00e9s - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Le mois de f\u00e9vrier 2026 est marqu\u00e9 par quelques mouvements mesur\u00e9s sur le barom\u00e8tre des taux immobiliers Acecredit.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/taux-immobiliers-quelques-ajustements-en-fevrier-2026-et-des-opportunites.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-10T08:00:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/immo-taux-ace-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1709\" \/>\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=\"2 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-immobiliers-quelques-ajustements-en-fevrier-2026-et-des-opportunites.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-immobiliers-quelques-ajustements-en-fevrier-2026-et-des-opportunites.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Taux immobiliers : quelques ajustements en f\u00e9vrier 2026… et des opportunit\u00e9s\",\"datePublished\":\"2026-02-10T08:00:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-immobiliers-quelques-ajustements-en-fevrier-2026-et-des-opportunites.html\"},\"wordCount\":269,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-immobiliers-quelques-ajustements-en-fevrier-2026-et-des-opportunites.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/immo-taux-ace-scaled.jpeg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/taux-immobiliers-quelques-ajustements-en-fevrier-2026-et-des-opportunites.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/immo-taux-ace-scaled.jpeg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/immo-taux-ace-scaled.jpeg\",\"width\":2560,\"height\":1709,\"caption\":\"House key on calculator with wooden table background copy space. 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