{"id":15872,"date":"2022-11-10T16:00:00","date_gmt":"2022-11-10T15:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/blog\/2022\/11\/10\/credits-immobiliers-en-route-vers-les-3\/"},"modified":"2022-12-29T12:02:10","modified_gmt":"2022-12-29T11:02:10","slug":"credits-immobiliers-en-route-vers-les-3","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2022\/11\/10\/credits-immobiliers-en-route-vers-les-3\/","title":{"rendered":"Cr\u00e9dits immobiliers\u00a0: en route vers les 3\u00a0%\u00a0!"},"content":{"rendered":"<p>Point d\u2019\u00e9tape. Comme on pouvait s\u2019y attendre, les taux des cr\u00e9dits immobiliers continuent leur progression en novembre\u00a02022. Selon Vousfinancer, les banques ont globalement relev\u00e9 leurs grilles de 30\u00a0points de base. Ce qui signifie que, apr\u00e8s une augmentation moyenne de 0,20\u00a0point en octobre\u00a02022, le b\u00e9n\u00e9fice de la hausse des taux d\u2019usure de 0,48\u00a0point au 1<sup>er<\/sup>\u00a0octobre\u00a02022, qui avait redonn\u00e9 de l\u2019air au march\u00e9 en cr\u00e9ant un \u00e9cart plus important avec les taux nominaux, est aujourd\u2019hui totalement effac\u00e9.<\/p>\n<p>Globalement, pour le mois de novembre\u00a02022, les taux moyens atteignent 1,80\u00a0% sur 15\u00a0ans, 2\u00a0% sur 20\u00a0ans et 2,20\u00a0% sur 25\u00a0ans. Sachant qu\u2019un nombre croissant de banques affichent d\u00e9sormais des taux proches de 2,50\u00a0% sur toutes les dur\u00e9es. En regardant en arri\u00e8re, en l\u2019espace d\u2019une ann\u00e9e, la hausse des taux des cr\u00e9dits immobiliers a fait perdre en moyenne 30\u00a0000\u00a0\u20ac de capacit\u00e9 d\u2019emprunt aux emprunteurs. \u00c0 titre d\u2019exemple, en remboursant 1\u00a0000\u00a0\u20ac de mensualit\u00e9 sur 25\u00a0ans, on peut aujourd\u2019hui emprunter 230\u00a0000\u00a0\u20ac \u00e0 2,20\u00a0% (hors assurance emprunteur) contre 260\u00a0000\u00a0\u20ac \u00e0 1,20\u00a0% il y a un an. Et si on se projette d\u00e9but\u00a02023, les taux risquent d\u2019augmenter encore de 0,30\u00a0point. Ainsi, la capacit\u00e9 d\u2019emprunt baissera encore de 8\u00a0000\u00a0\u20ac, voire de 13\u00a0000\u00a0\u20ac si la hausse atteint 0,5\u00a0point.<\/p>\n<p>Les Echos Publishing 2022<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En novembre\u00a02022, les taux moyens des cr\u00e9dits immobiliers atteignent 1,80\u00a0% sur 15\u00a0ans, 2\u00a0% sur 20\u00a0ans et 2,20\u00a0% sur 25\u00a0ans.<\/p>\n","protected":false},"author":5,"featured_media":15873,"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-15872","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\/15872"}],"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=15872"}],"version-history":[{"count":0,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/15872\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/15873"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=15872"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=15872"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=15872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}