{"id":13529,"date":"2021-10-15T10:00:00","date_gmt":"2021-10-15T08:00:00","guid":{"rendered":"http:\/\/www.bizouard.com\/blog\/2021\/10\/15\/credit-immobilier-les-recommandations-du-hcsf-deviennent-contraignantes\/"},"modified":"2021-12-08T12:00:14","modified_gmt":"2021-12-08T11:00:14","slug":"credit-immobilier-les-recommandations-du-hcsf-deviennent-contraignantes","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2021\/10\/15\/credit-immobilier-les-recommandations-du-hcsf-deviennent-contraignantes\/","title":{"rendered":"Cr\u00e9dit immobilier\u00a0: les recommandations du HCSF deviennent contraignantes"},"content":{"rendered":"<p>En juin\u00a02021, le Haut conseil de stabilit\u00e9 financi\u00e8re\u00a0(HCSF), l\u2019autorit\u00e9 administrative charg\u00e9e d\u2019exercer la surveillance du syst\u00e8me financier dans son ensemble, avait annonc\u00e9 qu\u2019il comptait rendre juridiquement contraignantes ses recommandations vis-\u00e0-vis de la production de cr\u00e9dits immobiliers. L\u2019annonce est suivie des faits\u00a0! Une d\u00e9cision des pouvoirs publics vient, en effet, consacrer les recommandations du HCSF. Ainsi, dans le cadre d\u2019un cr\u00e9dit immobilier, les banques devront, \u00e0 compter du 1<sup>er<\/sup>\u00a0janvier\u00a02022, veiller \u00e0 ce que les candidats \u00e0 l\u2019emprunt ne consentent pas un taux d\u2019effort moyen sup\u00e9rieur \u00e0 35\u00a0% (mensualit\u00e9 rapport\u00e9e au revenu mensuel). En outre, la dur\u00e9e des cr\u00e9dits immobiliers ne devra pas \u00eatre sup\u00e9rieure \u00e0 25\u00a0ans. Toutefois, cette dur\u00e9e pourra \u00eatre port\u00e9e \u00e0 27\u00a0ans lorsque le cr\u00e9dit immobilier sera li\u00e9\u00a0:<br \/>&#8211; \u00e0 une vente en l\u2019\u00e9tat futur d\u2019ach\u00e8vement (VEFA) ou \u00e0 une construction de maisons individuelles\u00a0;<br \/>&#8211; \u00e0 une acquisition dans l\u2019ancien donnant lieu \u00e0 un programme de travaux dont le montant repr\u00e9sente au moins 25\u00a0% du co\u00fbt total de l\u2019op\u00e9ration et qui a pour objet la cr\u00e9ation de surfaces habitables nouvelles ou de surfaces annexes, la modernisation, l\u2019assainissement ou l\u2019am\u00e9nagement des surfaces habitables ou des surfaces annexes, la r\u00e9alisation de travaux de r\u00e9novation \u00e9nerg\u00e9tique.<\/p>\n<p><cite class=\"reference\"><a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000044178669\" class=\"target-blank\"><br \/>\n               D\u00e9cision du 29\u00a0septembre\u00a02021 relative aux conditions d\u2019octroi de cr\u00e9dits immobiliers, JO du 10\u00a0octobre<br \/>\n            <\/a><\/cite><\/p>\n<p>Les Echos Publishing 2021<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 compter du 1\u00a0janvier\u00a02022, les banques devront respecter certaines r\u00e8gles li\u00e9es aux cr\u00e9dits immobiliers. Ces derniers ne devront pas d\u00e9passer 27\u00a0ans et un taux d\u2019endettement de 35\u00a0%.<\/p>\n","protected":false},"author":5,"featured_media":13530,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-13529","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-patrimoine","typo-actualite"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/13529","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/comments?post=13529"}],"version-history":[{"count":0,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/13529\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/13530"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=13529"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=13529"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=13529"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}