{"id":1837,"date":"2026-09-10T15:56:55","date_gmt":"2026-09-10T13:56:55","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=1837"},"modified":"2026-09-10T16:02:24","modified_gmt":"2026-09-10T14:02:24","slug":"credit-immobilier-les-taux-a-4-se-rapprochent-apres-la-decision-de-la-bce","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/credit-immobilier-les-taux-a-4-se-rapprochent-apres-la-decision-de-la-bce","title":{"rendered":"Cr\u00e9dit immobilier : les taux \u00e0 4% se rapprochent apr\u00e8s la d\u00e9cision de la BCE"},"content":{"rendered":"<p>Deuxi\u00e8me tour de vis en trois mois. La Banque centrale europ\u00e9enne (BCE) a relev\u00e9 son taux de d\u00e9p\u00f4t d&rsquo;un quart de point, \u00e0 2,5%, au terme d&rsquo;une r\u00e9union tenue \u00e0 Berlin le 10 septembre 2026. C&rsquo;est son plus haut niveau depuis mars 2025. L&rsquo;institution cherche \u00e0 contenir l&rsquo;inflation, remont\u00e9e \u00e0 3,3% en ao\u00fbt dans la zone euro sous l&rsquo;effet de la flamb\u00e9e des prix de l&rsquo;\u00e9nergie, et n&rsquo;exclut pas un troisi\u00e8me rel\u00e8vement en d\u00e9cembre si les tensions persistent.<\/p>\n<p>La d\u00e9cision de l\u2019institution mon\u00e9taire n&rsquo;agit pas m\u00e9caniquement sur les <a href=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/taux-de-credit-immobilier-taux-immobilier-et-historique\">taux immobiliers<\/a>. Elle alourdit le co\u00fbt auquel les banques se refinancent, \u00e0 charge pour elles de le transmettre ou non \u00e0 leurs clients. Le mouvement \u00e9tait largement anticip\u00e9, et la plupart avaient d\u00e9j\u00e0 relev\u00e9 leurs grilles de 0,10 \u00e0 0,20 point d\u00e9but septembre. Les taux moyens constat\u00e9s par les courtiers vont de 3,23% sur 15 ans \u00e0 3,61% sur 25 ans, hors <a href=\"https:\/\/www.toutsurmesfinances.com\/assurance\/l-assurance-du-pret-immobilier-garanties-cout-et-taux.html\">assurance<\/a>.<\/p>\n<p>Surtout, l&rsquo;OAT 10 ans &#8211; indicateur de r\u00e9f\u00e9rence du co\u00fbt du cr\u00e9dit immobilier &#8211; est proche des 4,20% actuellement, soit environ 60 points de base de plus qu&rsquo;en janvier. Si ce niveau se maintient \u00e0 ce niveau, et plus encore en cas de nouveau tour de vis en d\u00e9cembre, les bar\u00e8mes pourraient, d&rsquo;apr\u00e8s certains courtiers en cr\u00e9dit, gagner 0,30 \u00e0 0,50 point d&rsquo;ici la fin de l&rsquo;ann\u00e9e, portant la moyenne sur 20 ans entre 3,7% et 4%.<\/p>\n<p>Selon SeLoger, pour 250 000 euros emprunt\u00e9s sur 20 ans, passer de 3,65% \u00e0 4% alourdit la mensualit\u00e9 d&rsquo;une cinquantaine d&rsquo;euros, \u00e0 1 515 euros hors assurance. Le portail d\u2019annonces immobili\u00e8res \u00e9carte toutefois la r\u00e9p\u00e9tition du choc de 2023 : les prix ont depuis recul\u00e9 jusqu&rsquo;\u00e0 10% dans plusieurs grandes villes et les banques, en qu\u00eate de clients, gardent le robinet du cr\u00e9dit ouvert. \u00ab L&rsquo;impact de cette hausse sera plus progressif et mieux absorbable \u00bb, estime son directeur g\u00e9n\u00e9ral Baptiste Capron, qui rappelle que la ma\u00eetrise de son pouvoir d&rsquo;achat immobilier peut aussi passer par une n\u00e9gociation du prix du bien.<\/p>\n<p>LF\/OB<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Banque centrale europ\u00e9enne a relev\u00e9 ce jeudi ses taux directeurs d\u2019un quart de point. De quoi raboter encore un peu plus la capacit\u00e9 financi\u00e8re des emprunteurs.<\/p>\n","protected":false},"author":13718,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1837","post","type-post","status-publish","format-standard","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 taux \u00e0 4% se rapprochent apr\u00e8s la d\u00e9cision de la BCE<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/credit-immobilier-les-taux-a-4-se-rapprochent-apres-la-decision-de-la-bce\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : les taux \u00e0 4% se rapprochent apr\u00e8s la d\u00e9cision de la BCE\" \/>\n<meta property=\"og:description\" content=\"La Banque centrale europ\u00e9enne a relev\u00e9 ce jeudi ses taux directeurs d\u2019un quart de point. 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