{"id":1215,"date":"2016-03-09T12:37:12","date_gmt":"2016-03-09T11:37:12","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/la-baisse-des-taux-de-credit-immobilier-profite-a-tous"},"modified":"2018-01-31T09:54:18","modified_gmt":"2018-01-31T09:54:18","slug":"la-baisse-des-taux-de-credit-immobilier-profite-a-tous","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/la-baisse-des-taux-de-credit-immobilier-profite-a-tous","title":{"rendered":"La baisse des taux de cr\u00e9dit immobilier profite \u00e0 tous"},"content":{"rendered":"\n<p>Les emprunteurs n&rsquo;ont pas fini de se frotter les mains. Les <strong><a href=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/taux-de-credit-immobilier-taux-immobilier-et-historique\" target=\"_blank\">taux de cr\u00e9dit immobilier<\/a><\/strong> poursuivent leur baisse, un mouvement illustr\u00e9 par les derni\u00e8res statistiques d\u00e9voil\u00e9es par l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA le 3 mars 2016. Le taux d&rsquo;int\u00e9r\u00eat moyen s&rsquo;est ainsi fix\u00e9 \u00e0 2,09% en moyenne en f\u00e9vrier, hors assurance et co\u00fbts des s\u00fbret\u00e9s, contre 2,15% en janvier.<\/p>\n<p>Dans le d\u00e9tail, les acqu\u00e9reurs d&rsquo;un logement ancien s&rsquo;en tirent \u00e0 meilleur compte, le taux moyen relev\u00e9 pour ce type de projets s&rsquo;\u00e9tablissant \u00e0 2,08%, contre 2,19% pour l&rsquo;achat d&rsquo;un logement neuf. \u00ab <em>Les taux ont le plus fortement baiss\u00e9 sur le march\u00e9 de l&rsquo;ancien (de 16 points de base depuis octobre 2015) mais un peu moins sur le march\u00e9 du neuf (de 11 points de base)<\/em> \u00bb, ajoute l&rsquo;Observatoire.<\/p>\n<h2>Opportunit\u00e9s pour tous les projets<\/h2>\n<p>Autre bonne nouvelle, la diminution des taux touche toutes les dur\u00e9es de pr\u00eat. A titre d&rsquo;exemple, les taux moyens pratiqu\u00e9s sur 15, 20 et 25 ans ont recul\u00e9 dans les m\u00eames proportions (19 points de base) entre octobre 2015 et f\u00e9vrier 2016. Une tendance qui illustre \u00ab <em><a href=\"https:\/\/credits.toutsurmesfinances.com\/pourquoi-les-banques-baissent-elles-de-nouveau-les-taux-de-credit-immobilier.html\" target=\"_blank\"><strong>la volont\u00e9 des \u00e9tablissements de cr\u00e9dit de soutenir la demande<\/strong><\/a> des jeunes et des m\u00e9nages modestes<\/em> \u00bb. D&rsquo;ailleurs, les banques les ont soumis au m\u00eame traitement que les meilleurs profils, le recul des taux \u00e9tant uniforme (environ 20 points de base entre octobre et f\u00e9vrier) quelle que soit la cote de l&#8217;emprunteur.<\/p>\n<p>Et ce n&rsquo;est pas fini ! \u00ab <em>Toutes nos banques partenaires ont annonc\u00e9 au mois de mars une nouvelle baisse de leurs grilles de taux<\/em> \u00bb, affirme le courtier Credixia dans un communiqu\u00e9 dat\u00e9 du d\u00e9but du mois. En r\u00e9sum\u00e9, les particuliers ont des opportunit\u00e9s \u00e0 saisir pour financer leur projet immobilier. Selon le <a href=\"https:\/\/credits.toutsurmesfinances.com\/courtier-en-pret-immobilier-pour-obtenir-un-meilleur-taux-de-credit.html\" target=\"_blank\"><strong>courtier en cr\u00e9dit<\/strong><\/a> Empruntis, le co\u00fbt d&rsquo;un emprunt de 170.000 euros sur 20 ans au taux minimum (1,51% en f\u00e9vrier 2016) a diminu\u00e9 de 7.500 euros en un an. Un propri\u00e9taire qui souscrit un pr\u00eat de 55.000 euros sur 10 ans \u00e0 1,70% (taux moyen en mars 2016) pour r\u00e9aliser des travaux \u00e9conomise quant \u00e0 lui 11% par rapport au m\u00eame projet men\u00e9 en mars 2015. M\u00eame constat pour un investissement locatif support\u00e9 par un emprunt de 130.000 euros sur 15 ans, le co\u00fbt du pr\u00eat chutant de 10% sur un an.<\/p>\n<p>M\u00eame sans projet particulier en t\u00eate, les emprunteurs en cours de remboursement doivent \u00e9galement rester \u00e0 l&rsquo;affut, la baisse des taux redonnant de l&rsquo;int\u00e9r\u00eat \u00e0 <a href=\"https:\/\/credits.toutsurmesfinances.com\/comment-renegocier-son-credit-immobilier.html\" target=\"_blank\"><strong>la ren\u00e9gociation de cr\u00e9dit<\/strong><\/a>. Invit\u00e9e de LCI lundi 7 mars, la porte-parole de Meilleurtaux.com Ma\u00ebl Bernier expliquait ainsi qu&rsquo;une telle r\u00e9vision pouvait \u00eatre int\u00e9ressante pour les cr\u00e9dits souscrits entre 2008 et 2014 inclus, <a href=\"https:\/\/credits.toutsurmesfinances.com\/credit-immobilier-une-deuxieme-ou-troisieme-renegociation-n-est-pas-plus-difficile.html\" target=\"_blank\"><strong>y compris pour les pr\u00eats qui ont d\u00e9j\u00e0 \u00e9t\u00e9 revus<\/strong><\/a> par le pass\u00e9. L&#8217;emprunteur peut ainsi esp\u00e9rer un gain moyen \u00ab <em>autour de 20.000 euros, p\u00e9nalit\u00e9s [de remboursement anticip\u00e9, Ndlr] incluses<\/em> \u00bb, souligne-t-elle. De quoi motiver ceux qui avaient rat\u00e9 le train de la ren\u00e9gociation en 2015.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le recul des taux de cr\u00e9dit immobilier s&rsquo;est amplifi\u00e9 durant le mois de f\u00e9vrier. Les emprunteurs profitent toujours de la politique volontariste des banques, quels que soient le profil, le projet ou la dur\u00e9e du pr\u00eat. \u00a0<\/p>\n","protected":false},"author":13710,"featured_media":1214,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1215","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>La baisse des taux de cr\u00e9dit immobilier profite \u00e0 tous<\/title>\n<meta name=\"description\" content=\"Le recul des taux de cr\u00e9dit immobilier s&#039;est amplifi\u00e9 durant le mois de f\u00e9vrier. 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