{"id":1401,"date":"2026-08-02T08:00:25","date_gmt":"2026-08-02T06:00:25","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=1401"},"modified":"2026-08-02T10:05:01","modified_gmt":"2026-08-02T08:05:01","slug":"credit-immobilier-les-banques-maintiennent-leurs-taux-en-aout","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/credit-immobilier-les-banques-maintiennent-leurs-taux-en-aout","title":{"rendered":"Cr\u00e9dit immobilier : les banques maintiennent leurs taux en ao\u00fbt"},"content":{"rendered":"<p>Les \u00e9tablissements bancaires reconduisent leurs bar\u00e8mes en ce d\u00e9but d&rsquo;ao\u00fbt. Les derniers barom\u00e8tres publi\u00e9s fin juillet par les principaux courtiers montrent que les banques poursuivent leurs efforts commerciaux pour capter de nouveaux emprunteurs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Une_stabilite_portee_par_la_concurrence_entre_banques\"><\/span>Une stabilit\u00e9 port\u00e9e par la concurrence entre banques<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les trois grands barom\u00e8tres publi\u00e9s fin juillet convergent autour de 3,40% sur 20 ans en moyenne (hors assurance), avec des bar\u00e8mes reconduits pour le deuxi\u00e8me mois cons\u00e9cutif chez Empruntis. Selon Pretto, cette stabilit\u00e9 traduit la volont\u00e9 des banques de rester comp\u00e9titives. Vousfinancer souligne qu&rsquo;elles n&rsquo;ont pas r\u00e9percut\u00e9 les tensions obligataires (voir plus bas, NDLR), pour ne pas casser la dynamique de la demande.<\/p>\n<p>Actuellement, emprunter 250 000 euros sur 20 ans \u00e0 3,44% revient \u00e0 1 442 euros d&rsquo;\u00e9ch\u00e9ance par mois hors assurance, pour un co\u00fbt total du cr\u00e9dit de 96 080 euros, selon le simulateur de Pretto.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Jusqua_060_point_decart_selon_le_dossier_et_la_region\"><\/span>Jusqu&rsquo;\u00e0 0,60 point d&rsquo;\u00e9cart selon le dossier et la r\u00e9gion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les meilleurs profils empruntent autour de 3% sur 20 ans, contre 3,60% pour les m\u00e9nages d\u00e9clarant moins de 40 000 euros de revenus nets annuels, selon Pretto. D&rsquo;une r\u00e9gion \u00e0 l&rsquo;autre, un bon dossier d\u00e9croche 3,10% sur 25 ans en \u00cele-de-France, contre 3,60% en Corse et en Provence-Alpes-C\u00f4te-d\u2019Azur (Paca). Meilleurtaux signale toutefois que le retrait d&rsquo;offres promotionnelles pour les primo-acc\u00e9dants rench\u00e9rit de 5 \u00e0 10 points de base les pr\u00eats r\u00e9ellement \u00e9mis.<\/p>\n<p class=\"PDq2pG_selectionAnchorContainer\" data-start=\"130\" data-end=\"413\">Les candidats \u00e0 l&rsquo;accession peuvent encore faire jouer la concurrence. Les meilleurs profils continuent d&rsquo;obtenir des conditions plus avantageuses que les taux moyens affich\u00e9s, les \u00e9tablissements restant dispos\u00e9s \u00e0 consentir des d\u00e9cotes pour attirer les emprunteurs les plus solides.<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/p>\n<p data-start=\"418\" data-end=\"673\">Les primo-acc\u00e9dants b\u00e9n\u00e9ficient \u00e9galement d&rsquo;offres cibl\u00e9es. Selon Vousfinancer, un grand \u00e9tablissement vient ainsi de lancer un pr\u00eat \u00e0 1,99%, r\u00e9serv\u00e9 \u00e0 cette client\u00e8le sur une partie du financement et cumulable, sous conditions, avec le pr\u00eat \u00e0 taux z\u00e9ro.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ce_qui_peut_faire_bouger_les_taux_a_la_rentree\"><\/span>Ce qui peut faire bouger les taux \u00e0 la rentr\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pour fixer leurs bar\u00e8mes, les banques suivent surtout l&rsquo;OAT \u00e0 10 ans (le taux de r\u00e9f\u00e9rence de la dette fran\u00e7aise, NDLR). Il est mont\u00e9 de 3,65% \u00e0 3,95% au fil du mois de juillet, selon l&rsquo;Agence France Tr\u00e9sor, franchissant m\u00eame \u00e0 plusieurs reprises la barre symbolique des 4%.<\/p>\n<p>La Banque centrale europ\u00e9enne (BCE) a relev\u00e9 ses taux directeurs en juin, une premi\u00e8re depuis 2023, puis s&rsquo;est abstenue en juillet,. Les banques n&rsquo;ont r\u00e9percut\u00e9 ni l&rsquo;un ni l&rsquo;autre, pr\u00e9f\u00e9rant continuer \u00e0 attirer des clients.<\/p>\n<p>Si les co\u00fbts de financement de l&rsquo;\u00c9tat restent \u00e9lev\u00e9s, les \u00e9tablissements bancaires pourraient \u00eatre conduits \u00e0 remonter leurs taux \u00e0 l&rsquo;automne. D&rsquo;o\u00f9 le conseil des courtiers : mieux vaut boucler son projet en septembre plut\u00f4t qu&rsquo;attendre une fin d&rsquo;ann\u00e9e plus incertaine.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les taux de cr\u00e9dit immobilier restent globalement stables en ce d\u00e9but d&rsquo;ao\u00fbt 2026, alors que les banques poursuivent leurs efforts pour attirer de nouveaux emprunteurs. Les m\u00e9nages qui pr\u00e9parent un achat conservent ainsi un r\u00e9el pouvoir de n\u00e9gociation pour financer leur projet.<\/p>\n","protected":false},"author":13719,"featured_media":1404,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9dit immobilier : les banques maintiennent leurs taux en ao\u00fbt<\/title>\n<meta name=\"description\" content=\"Les banques maintiennent leurs taux de cr\u00e9dit immobilier en ao\u00fbt 2026. 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