{"id":2250,"date":"2024-09-27T09:30:00","date_gmt":"2024-09-27T07:30:00","guid":{"rendered":"https:\/\/www.bizouard.com\/taux-effectif-global-moyen-en\/"},"modified":"2024-11-20T12:16:04","modified_gmt":"2024-11-20T11:16:04","slug":"taux-effectif-global-moyen-en","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2024\/09\/27\/taux-effectif-global-moyen-en\/","title":{"rendered":"Taux Effectif Global moyen en\u00a0%"},"content":{"rendered":"\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Taux Effectif Global moyen (en %)<\/span><\/caption>\n
Nature<\/th>\nAu cours des 3 mois pr\u00e9c\u00e9dant le 1er<\/sup> juillet 2024<\/th>\nAu cours des 3 mois pr\u00e9c\u00e9dant le 1er<\/sup> octobre 2024<\/th>\n<\/tr>\n<\/thead>\n
PR\u00caTS CONSENTIS AUX PERSONNES PHYSIQUES AGISSANT POUR LEURS BESOINS PROFESSIONNELS ET AUX PERSONNES MORALES AYANT UNE ACTIVIT\u00c9 INDUSTRIELLE, COMMERCIALE, ARTISANALE, AGRICOLE OU PROFESSIONNELLE NON COMMERCIALE<\/td>\n<\/tr>\n
D\u00e9couverts en compte<\/td>\n14,11<\/td>\n14,17<\/td>\n<\/tr>\n
PR\u00caTS AUX PERSONNES MORALES N\u2019AYANT PAS D\u2019ACTIVIT\u00c9 INDUSTRIELLE, COMMERCIALE, ARTISANALE, AGRICOLE OU PROFESSIONNELLE NON COMMERCIALE<\/td>\n<\/tr>\n
Pr\u00eats > 2 ans – taux variable<\/td>\n5,90<\/td>\n5,76<\/td>\n<\/tr>\n
Pr\u00eats > 2 ans et < 10 ans – taux fixe<\/td>\n4,97<\/td>\n4,77<\/td>\n<\/tr>\n
Pr\u00eats > ou = 10 ans et < 20 ans – taux fixe<\/td>\n5,05<\/td>\n4,81<\/td>\n<\/tr>\n
Pr\u00eats > ou = 20 ans – taux fixe<\/td>\n5,04<\/td>\n4,82<\/td>\n<\/tr>\n
D\u00e9couverts en compte<\/td>\n14,11<\/td>\n14,17<\/td>\n<\/tr>\n
Autres pr\u00eats < ou = 2 ans<\/td>\n5,51<\/td>\n5,24<\/td>\n<\/tr>\n
PR\u00caTS AUX PARTICULIERS<\/td>\n<\/tr>\n
\n Pr\u00eats immobiliers (article L. 313-1 1\u00b0 du Code de la consommation ou constituant une op\u00e9ration de cr\u00e9dit immobilier d\u2019un montant sup\u00e9rieur \u00e0 75 000 \u20ac destin\u00e9e \u00e0 financer, pour les immeubles \u00e0 usage d\u2019habitation ou \u00e0 usage professionnel et d\u2019habitation, les d\u00e9penses relatives \u00e0 leur r\u00e9paration, leur am\u00e9lioration ou leur entretien)<\/b>\n <\/td>\n<\/tr>\n
Pr\u00eats \u00e0 taux fixe<\/td>\n– pr\u00eats < 10 ans : 3,45
– pr\u00eats > ou = 10 ans et < 20 ans : 4,60
– pr\u00eats > ou = 20 ans : 4,62<\/td>\n		– pr\u00eats < 10 ans : 3,47
– pr\u00eats > ou = 10 ans et < 20 ans : 4,52
– pr\u00eats > ou = 20 ans : 4,39<\/td>\n<\/tr>\n
Pr\u00eats \u00e0 taux variable<\/td>\n4,48<\/td>\n4,49<\/td>\n<\/tr>\n
Pr\u00eats relais<\/td>\n5,08<\/td>\n5,01<\/td>\n<\/tr>\n
\n Pr\u00eats consentis \u00e0 des consommateurs (Hors article L. 313-1 1\u00b0 du Code de la consommation ou ne constituant pas une op\u00e9ration de cr\u00e9dit d\u2019un montant sup\u00e9rieur \u00e0 75 000 \u20ac destin\u00e9e \u00e0 financer, pour les immeubles \u00e0 usage d\u2019habitation ou \u00e0 usage professionnel et d\u2019habitation, les d\u00e9penses relatives \u00e0 leur r\u00e9paration, leur am\u00e9lioration ou leur entretien)<\/b>\n <\/td>\n<\/tr>\n
Pr\u00eats < ou = 3 000 \u20ac<\/td>\n16,87<\/td>\n17,03<\/td>\n<\/tr>\n
Pr\u00eats > 3 000 \u20ac et < ou = 6 000 \u20ac<\/td>\n10,40<\/td>\n10,94<\/td>\n<\/tr>\n
Pr\u00eats > 6 000 \u20ac<\/td>\n6,00<\/td>\n6,22<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Les Echos Publishing 2024<\/p>\n","protected":false},"excerpt":{"rendered":"

Le taux effectif global\u00a0(TEG) correspond au taux d\u2019int\u00e9r\u00eat annuel, tout frais compris, pay\u00e9 effectivement pour un cr\u00e9dit. Il comprend, outre les int\u00e9r\u00eats proprement dits, les frais, commissions ou r\u00e9mun\u00e9rations li\u00e9s \u00e0 l\u2019octroi du cr\u00e9dit.<\/p>\n","protected":false},"author":5,"featured_media":2251,"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":[40,35,36],"tags":[],"class_list":["post-2250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion","category-juridique","category-patrimoine","typo-chiffre"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/2250"}],"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=2250"}],"version-history":[{"count":5,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/2250\/revisions"}],"predecessor-version":[{"id":12897,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/2250\/revisions\/12897"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/2251"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=2250"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=2250"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=2250"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}