{"id":2117,"date":"2026-09-28T09:58:29","date_gmt":"2026-09-28T07:58:29","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=2117"},"modified":"2026-09-28T10:17:56","modified_gmt":"2026-09-28T08:17:56","slug":"credit-immobilier-le-taux-d-usure-grimpe-a-540-au-1er-octobre","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/credit-immobilier-le-taux-d-usure-grimpe-a-540-au-1er-octobre","title":{"rendered":"Cr\u00e9dit immobilier : le taux d&rsquo;usure grimpe \u00e0 5,40% au 1er octobre"},"content":{"rendered":"<p>Un petit bol d\u2019air pour les candidats \u00e0 l\u2019emprunt. \u00c0 compter du 1<sup>er<\/sup> octobre 2026, les <a href=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/taux-dusure-fonctionnement-calcul-taux-par-type-de-prets\">taux d\u2019usure<\/a> applicables aux cr\u00e9dits immobiliers progressent de nouveau. Selon l\u2019avis publi\u00e9 au <em>Journal officiel <\/em>du 26 septembre, pour les pr\u00eats \u00e0 taux fixe d\u2019une dur\u00e9e de 20 ans et plus, le plafond passe de 5,29% au troisi\u00e8me trimestre \u00e0 5,40% au quatri\u00e8me. Il s\u2019\u00e9tablissait \u00e0 5,19% au deuxi\u00e8me trimestre 2026 et \u00e0 5,09% en octobre 2025.<\/p>\n<p>Les autres cat\u00e9gories suivent la m\u00eame tendance. Pour les pr\u00eats immobiliers accord\u00e9s au quatri\u00e8me trimestre 2026, le plafond passe de 4,57% \u00e0 4,68% entre 10 et moins de 20 ans, et de 4,07% \u00e0 4,09% sous 10 ans.<\/p>\n<p>Pour les pr\u00eats \u00e0 taux variable, le taux est plafonn\u00e9 \u00e0 5,52%. Pour les pr\u00eats relais (un cr\u00e9dit immobilier de courte dur\u00e9e qui permet de financer l\u2019achat d\u2019un nouveau logement avant d\u2019avoir vendu l\u2019ancien), il est fix\u00e9 \u00e0 6,49%, contre 6,39% pr\u00e9c\u00e9demment. Cette progression refl\u00e8te celle des taux moyens pratiqu\u00e9s par les banques au troisi\u00e8me trimestre : 3,51% sur 10 \u00e0 20 ans et 4,05% sur 20 ans et plus.<\/p>\n<p>Le taux d&rsquo;usure encadre le taux annuel effectif global (TAEG), qui int\u00e8gre int\u00e9r\u00eats, assurance emprunteur, frais de dossier et de garantie. Quelques centi\u00e8mes peuvent donc suffire \u00e0 faire repasser sous le plafond un dossier refus\u00e9 en septembre. Un emprunteur recal\u00e9 pour d\u00e9passement du taux d&rsquo;usure pourra ainsi demander \u00e0 sa banque un nouvel examen de son dossier d\u00e8s le 1<sup>er<\/sup> octobre.<\/p>\n<p>LF\/OB<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e8s le 1er octobre 2026, les plafonds des taux d&rsquo;usure des cr\u00e9dits immobiliers augmenteront sur toutes les dur\u00e9es, de 0,02 \u00e0 0,24 point. Un coup de pouce pour les emprunteurs recal\u00e9s en raison d&rsquo;un TAEG trop \u00e9lev\u00e9.<\/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-2117","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 : le taux d&#039;usure grimpe \u00e0 5,40% au 1er octobre<\/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-le-taux-d-usure-grimpe-a-540-au-1er-octobre\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : le taux d&#039;usure grimpe \u00e0 5,40% au 1er octobre\" \/>\n<meta property=\"og:description\" content=\"D\u00e8s le 1er octobre 2026, les plafonds des taux d&#039;usure des cr\u00e9dits immobiliers augmenteront sur toutes les dur\u00e9es, de 0,02 \u00e0 0,24 point. 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