{"id":1999,"date":"2026-09-19T08:00:30","date_gmt":"2026-09-19T06:00:30","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=1999"},"modified":"2026-09-19T12:08:41","modified_gmt":"2026-09-19T10:08:41","slug":"credit-immobilier-l-apport-moyen-frole-desormais-40-000-euros","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/credit-immobilier-l-apport-moyen-frole-desormais-40-000-euros","title":{"rendered":"Cr\u00e9dit immobilier : l’apport moyen fr\u00f4le d\u00e9sormais 40 000 euros"},"content":{"rendered":"

Acheter son logement \u00e0 cr\u00e9dit mobilise de nouveau un peu plus d’apport personnel. En juillet 2026, les m\u00e9nages ont mis en moyenne pr\u00e8s de 40 000 euros sur la table, tandis que le pr\u00eat moyen est repass\u00e9 au-dessus de 200 000 euros, selon le dernier Panorama des pr\u00eats \u00e0 l’habitat des m\u00e9nages<\/em> de la Banque de France. Cet apport reste toutefois inf\u00e9rieur \u00e0 son point haut de 2023.<\/p>\n

<\/span>Primo-acc\u00e9dants : moins d’apport, plus d’ann\u00e9es<\/span><\/h2>\n

Lors d\u2019un premier achat, l’apport moyen atteint 34 000 euros et la somme emprunt\u00e9e \u00e0 183 000 euros. Les deux montants ont progress\u00e9 en juillet. Les primo-acc\u00e9dants remboursent aussi sur une p\u00e9riode plus longue : 23 ans et 10 mois en moyenne, contre 22 ans et 8 mois pour l’ensemble des emprunteurs.<\/p>\n

Les primo-acc\u00e9dants repr\u00e9sentaient 43,9% des nouveaux cr\u00e9dits immobiliers (hors ren\u00e9gociations) en juillet, une part globalement stable depuis mi-2025.<\/p>\n

<\/span>Plus d’un emprunteur sur 2 sous 3 Smic<\/span><\/h2>\n

Les m\u00e9nages gagnant moins de deux Smic<\/a> constituaient 31% des emprunteurs en juillet. Avec ceux qui per\u00e7oivent entre deux et trois Smic, ils repr\u00e9sentaient 58% des emprunteurs.<\/p>\n

Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ), accord\u00e9 sous conditions de ressources, poursuit sa progression. Son encours repr\u00e9sentait 3,8% de l\u2019encours total des cr\u00e9dits \u00e0 l’habitat fin juin 2026.<\/p>\n

<\/span>Combien apporter pour acheter ?<\/span><\/h2>\n

La Banque de France ne fixe ni montant ni pourcentage d\u2019apport recommand\u00e9. Dans son panorama, elle range la part de l’apport parmi les conditions d’octroi du pr\u00eat, aux c\u00f4t\u00e9s du co\u00fbt du cr\u00e9dit, de sa dur\u00e9e, de la garantie demand\u00e9e et de la quotit\u00e9, soit le rapport entre le montant emprunt\u00e9 et la valeur du bien.<\/p>\n

L’institution estime que ces conditions \u00ab restent favorables malgr\u00e9 la l\u00e9g\u00e8re remont\u00e9e des taux d’emprunt<\/a> et de l’apport personnel \u00bb. Le taux moyen des nouveaux cr\u00e9dits immobiliers hors ren\u00e9gociations atteignait 3,30% en juillet 2026.<\/p>\n

Au final, ne pas disposer de 40 000 euros ne ferme pas, \u00e0 lui seul, l\u2019acc\u00e8s au cr\u00e9dit immobilier. Une partie des emprunteurs de juillet ont apport\u00e9 moins : c’est le principe d’une moyenne. Ce montant sert de point de rep\u00e8re, il ne s\u2019agit pas d\u2019un ticket d’entr\u00e9e.<\/p>\n","protected":false},"excerpt":{"rendered":"

Selon la Banque de France, les acheteurs d’un logement \u00e0 cr\u00e9dit ont effectu\u00e9 un apport personnel de pr\u00e8s de 40 000 euros en moyenne en juillet 2026. La somme s\u2019\u00e9levait 34 000 euros lors d’un premier achat.<\/p>\n","protected":false},"author":13719,"featured_media":2002,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"\nCr\u00e9dit immobilier : l'apport moyen fr\u00f4le d\u00e9sormais 40 000 euros<\/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-l-apport-moyen-frole-desormais-40-000-euros\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : l'apport moyen fr\u00f4le d\u00e9sormais 40 000 euros\" \/>\n<meta property=\"og:description\" content=\"Selon la Banque de France, les acheteurs d'un logement \u00e0 cr\u00e9dit ont effectu\u00e9 un apport personnel de pr\u00e8s de 40 000 euros en moyenne en juillet 2026. 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