{"id":17553,"date":"2023-11-03T10:00:00","date_gmt":"2023-11-03T09:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/blog\/2023\/11\/03\/credits-immobiliers-les-taux-ont-franchi-le-palier-des-4\/"},"modified":"2023-12-27T12:02:10","modified_gmt":"2023-12-27T11:02:10","slug":"credits-immobiliers-les-taux-ont-franchi-le-palier-des-4","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2023\/11\/03\/credits-immobiliers-les-taux-ont-franchi-le-palier-des-4\/","title":{"rendered":"Cr\u00e9dits immobiliers\u00a0: les taux ont franchi le palier des 4\u00a0%"},"content":{"rendered":"

La Banque centrale europ\u00e9enne a fait le choix derni\u00e8rement de maintenir au m\u00eame niveau ses taux directeurs. Cons\u00e9quence\u00a0: la hausse des taux des cr\u00e9dits immobiliers semble ralentir voire se stabiliser pour arriver \u00e0 un plateau.<\/p>\n

\n Pr\u00e9cision\u00a0:<\/span> les taux directeurs sont les taux d\u2019int\u00e9r\u00eats fix\u00e9s par une banque centrale pour les pr\u00eats qu\u2019elle accorde aux banques commerciales qui en ont besoin.<\/p>\n

Dans cette p\u00e9riode \u00ab\u00a0d\u2019accalmie\u00a0\u00bb, les banques ont r\u00e9cemment r\u00e9actualis\u00e9 leurs grilles de taux. Selon le courtier Cafpi, il est possible aujourd\u2019hui d\u2019emprunter \u00e0 4,01\u00a0% sur 15\u00a0ans (contre 3,91\u00a0% en septembre\u00a02023), 4,17\u00a0% sur 20\u00a0ans (contre 4,05\u00a0% en septembre\u00a02023) et 4,31\u00a0% sur 25\u00a0ans (contre 4,17\u00a0% en septembre\u00a02023). \u00c9tant pr\u00e9cis\u00e9 que les profils d\u2019emprunteurs aux revenus les plus importants peuvent encore obtenir, dans certaines r\u00e9gions, des taux tr\u00e8s attractifs qui n\u2019ont pas encore franchi le palier des 4\u00a0%\u00a0: 3,70\u00a0% sur 15\u00a0ans, 3,90\u00a0% sur 20\u00a0ans et 3,98\u00a0% sur 25\u00a0ans.<\/p>\n

Des taux d\u2019usure en progression<\/h3>\n

Publi\u00e9s mensuellement, le taux d\u2019usure suit la m\u00eame tendance. Une hausse qui devrait permettre de d\u00e9bloquer certains dossiers de financement. M\u00eame si la situation semble se stabiliser, les banques restent vigilantes sur le respect des conditions d\u2019octroi des cr\u00e9dits immobiliers.<\/p>\n\n\n\n\n\n\n\n\n\n
Taux d\u2019usure<\/span><\/caption>\n
Dur\u00e9e du pr\u00eat<\/th>\nOctobre\u00a02023<\/th>\n\u00c9volution par rapport au mois de septembre\u00a02023<\/th>\n<\/tr>\n<\/thead>\n
Pr\u00eat de moins de 10\u00a0ans<\/td>\n4,31\u00a0%<\/td>\n+0,08\u00a0point<\/td>\n<\/tr>\n
Pr\u00eat de 10\u00a0\u00e0 20\u00a0ans<\/td>\n5,55\u00a0%<\/td>\n+0,27\u00a0point<\/td>\n<\/tr>\n
Pr\u00eat de 20\u00a0ans et plus<\/td>\n5,80\u00a0%<\/td>\n+0,24\u00a0point<\/td>\n<\/tr>\n
Pr\u00eat \u00e0 taux variable<\/td>\n5,40\u00a0%<\/td>\n+0,27\u00a0point<\/td>\n<\/tr>\n
Pr\u00eat relais<\/td>\n5,79\u00a0%<\/td>\n+0,26\u00a0point<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Les Echos Publishing 2023<\/p>\n","protected":false},"excerpt":{"rendered":"

Pour le mois d\u2019octobre\u00a02023, il est possible d\u2019emprunter \u00e0 4,17\u00a0% sur 20\u00a0ans.<\/p>\n","protected":false},"author":5,"featured_media":17554,"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-17553","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\/17553"}],"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=17553"}],"version-history":[{"count":0,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/17553\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/17554"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=17553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=17553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=17553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}