{"id":1188,"date":"2015-05-18T08:34:09","date_gmt":"2015-05-18T06:34:09","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier"},"modified":"2015-05-18T08:35:00","modified_gmt":"2015-05-18T08:35:00","slug":"les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier","title":{"rendered":"Les banques tardent \u00e0 traiter les demandes de cr\u00e9dit immobilier"},"content":{"rendered":"\n<p>Vous voulez profiter des <a href=\"https:\/\/credits.toutsurmesfinances.com\/l-acces-au-credit-immobilier-s-ameliore-pour-les-jeunes-et-les-modestes.html\" target=\"_blank\"><strong>taux de cr\u00e9dit immobilier au plus bas<\/strong><\/a> ? Vous n&rsquo;\u00eates pas le seul. Que ce soit pour financer un projet immobilier ou pour <a href=\"https:\/\/credits.toutsurmesfinances.com\/comment-renegocier-son-credit-immobilier.html\" target=\"_blank\"><strong>ren\u00e9gocier le taux d&rsquo;un emprunt existant<\/strong><\/a>, les demandes de cr\u00e9dit immobilier sont en forte hausse depuis le d\u00e9but de l&rsquo;ann\u00e9e 2015. Un mouvement qui s&rsquo;est acc\u00e9l\u00e9r\u00e9 en avril, au point de cr\u00e9er des retards dans le traitement des dossiers.<\/p>\n<p>Il faut dire que la demande est bien l\u00e0 : sur le mois d&rsquo;avril, l&rsquo;organisme de cautionnement Cr\u00e9dit Logement notait une hausse de 28,3% du nombre de pr\u00eats accord\u00e9s, compar\u00e9 \u00e0 la m\u00eame p\u00e9riode un an plus t\u00f4t. Un niveau d&rsquo;activit\u00e9 qui n&rsquo;avait pas \u00e9t\u00e9 observ\u00e9 depuis 2011. \u00ab <em>Quel que soit l&rsquo;indicateur retenu, on est sur un march\u00e9 en reprise rapide, tr\u00e8s rapide<\/em> \u00bb, avait ainsi soulign\u00e9 Michel Mouillart, directeur des \u00e9tudes de Cr\u00e9dit Logement, lors de la derni\u00e8re conf\u00e9rence de presse de l&rsquo;observatoire CSA\/Cr\u00e9dit Logement mardi 5 mai.<\/p>\n<p>Pour autant, le march\u00e9 immobilier a d\u00e9j\u00e0 \u00e9t\u00e9 plus actif que cela par le pass\u00e9. La diff\u00e9rence se joue sur les demandes de ren\u00e9gociation. \u00ab <em>Il y a tellement d&rsquo;activit\u00e9 avec les ren\u00e9gociations que la gestion des dossiers en cours devient difficile<\/em> \u00bb, explique Ulrich Maurel, fondateur du courtier Immopr\u00eat. Elles repr\u00e9sentent la moiti\u00e9 des op\u00e9rations trait\u00e9es par Cr\u00e9dit Logement au premier trimestre. R\u00e9sultat, Cr\u00e9dit Logement a vu ses d\u00e9lais de r\u00e9ponse passer de 48 heures \u00e0 une semaine et plus, selon <a href=\"http:\/\/www.lesechos.fr\/finance-marches\/banque-assurances\/02169019014-credit-immobilier-embouteillage-a-tous-les-etages-1119385.php\" target=\"_blank\" rel=\"nofollow\">des informations rapport\u00e9es par le quotidien <em>Les Echos<\/em><\/a>. Dans le m\u00eame temps, certaines banques font \u00e9tat de retards d&rsquo;une dur\u00e9e similaire pour l&rsquo;obtention d&rsquo;un emprunt.<\/p>\n<h2>Allonger le d\u00e9lai du compromis de vente<\/h2>\n<p>Si les banques, organismes de caution et les courtiers en cr\u00e9dit p\u00e2tissent des retards de traitement des dossiers de cr\u00e9dit immobilier, les emprunteurs sont bien les premiers \u00e0 en faire les frais. L&rsquo;allongement des d\u00e9lais \u00e0 tous les \u00e9tages met en p\u00e9ril les compromis de vente sign\u00e9s par ces derniers, puisqu&rsquo;ils doivent obtenir leur financement dans une p\u00e9riode ne pouvant \u00eatre inf\u00e9rieure \u00e0 un mois.<\/p>\n<p>Si habituellement, un d\u00e9lai de 45 jours est recommand\u00e9 pour laisser le temps d&rsquo;obtenir un emprunt dans les conditions fix\u00e9es par le compromis de vente, il risque d&rsquo;\u00eatre trop court actuellement, compte tenu des retards constat\u00e9s. \u00ab <em>Il faut n\u00e9gocier un allongement du d\u00e9lai dans le compromis de vente<\/em> \u00bb, appuie Ulrich Maurel. Une protection qui para\u00eet plus que n\u00e9cessaire pour \u00e9viter les d\u00e9convenues.<\/p>\n<p><strong>A lire \u00e9galement<\/strong><br \/><a href=\"https:\/\/credits.toutsurmesfinances.com\/credit-immobilier-on-peut-trouver-des-solutions-au-dela-de-70-ans.html\" target=\"_blank\"><strong>Cr\u00e9dit immobilier : <em>\u00ab On peut trouver des solutions au-del\u00e0 de 70 ans \u00bb<\/em><\/strong><\/a><br \/><a href=\"https:\/\/credits.toutsurmesfinances.com\/assurance-emprunteur-le-refus-de-delegation-doit-etre-motive-a-partir-du-1er-mai-2015.html\" target=\"_blank\"><strong>Assurance emprunteur : le refus de d\u00e9l\u00e9gation doit \u00eatre motiv\u00e9 \u00e0 partir du 1er mai 2015<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le march\u00e9 du cr\u00e9dit immobilier repart mais les banques ont de la peine \u00e0 suivre. Entre les nouvelles demandes de pr\u00eat et les ren\u00e9gociations de cr\u00e9dit, les dossiers s&rsquo;accumulent \u00e0 grande vitesse et les d\u00e9lais de traitement s&rsquo;allongent. \u00a0<\/p>\n","protected":false},"author":13710,"featured_media":1187,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les banques tardent \u00e0 traiter les demandes de cr\u00e9dit immobilier<\/title>\n<meta name=\"description\" content=\"Le march\u00e9 du cr\u00e9dit immobilier repart mais les banques ont de la peine \u00e0 suivre. Entre les nouvelles demandes de pr\u00eat et les ren\u00e9gociations de cr\u00e9dit, les dossiers s&#039;accumulent \u00e0 grande vitesse et les d\u00e9lais de traitement s&#039;allongent.\" \/>\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\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les banques tardent \u00e0 traiter les demandes de cr\u00e9dit immobilier\" \/>\n<meta property=\"og:description\" content=\"Le march\u00e9 du cr\u00e9dit immobilier repart mais les banques ont de la peine \u00e0 suivre. Entre les nouvelles demandes de pr\u00eat et les ren\u00e9gociations de cr\u00e9dit, les dossiers s&#039;accumulent \u00e0 grande vitesse et les d\u00e9lais de traitement s&#039;allongent.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier\" \/>\n<meta property=\"og:site_name\" content=\"Argent\" \/>\n<meta property=\"article:published_time\" content=\"2015-05-18T06:34:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2015-05-18T08:35:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2015\/05\/credits-assurance-jeunes.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"823\" \/>\n\t<meta property=\"og:image:height\" content=\"463\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Thibault Fingonnet\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:site\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Thibault Fingonnet\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier\"},\"author\":{\"name\":\"Thibault Fingonnet\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/person\/86ed62048219a3c310268cf8e534d65e\"},\"headline\":\"Les banques tardent \u00e0 traiter les demandes de cr\u00e9dit immobilier\",\"dateModified\":\"2015-05-18T08:35:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier\"},\"wordCount\":490,\"publisher\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2015\/05\/credits-assurance-jeunes.jpg\",\"articleSection\":[\"Cr\u00e9dit\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier\",\"name\":\"Les banques tardent \u00e0 traiter les demandes de cr\u00e9dit immobilier\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/les-banques-tardent-a-traiter-les-demandes-de-credit-immobilier#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2015\/05\/credits-assurance-jeunes.jpg\",\"dateModified\":\"2015-05-18T08:35:00+00:00\",\"description\":\"Le march\u00e9 du cr\u00e9dit immobilier repart mais les banques ont de la peine \u00e0 suivre. 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