{"id":100617,"date":"2018-10-22T08:41:47","date_gmt":"2018-10-22T06:41:47","guid":{"rendered":"https:\/\/batijournal.com\/?p=100617"},"modified":"2019-07-15T12:03:42","modified_gmt":"2019-07-15T10:03:42","slug":"conditions-de-credit-excellentes","status":"publish","type":"post","link":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/","title":{"rendered":"Conditions de cr\u00e9dit excellentes"},"content":{"rendered":"

En d\u00e9pit de la reprise de l\u2019inflation, les conditions de cr\u00e9dit restent excellentes au troisi\u00e8me trimestre 2018. Les taux d\u2019int\u00e9r\u00eat r\u00e9els n\u2019ont jamais \u00e9t\u00e9 aussi bas depuis le 1er choc p\u00e9trolier. Cette situation est rendue possible par les conditions de financement et de refinancement de la production qui pr\u00e9valent, ainsi que par une concurrence par les taux toujours tr\u00e8s vive entre les \u00e9tablissements de cr\u00e9dit. Surtout que face \u00e0 une demande qui s\u2019est affaiblie et afin de limiter l\u2019impact de la d\u00e9gradation des soutiens publics \u00e0 la primo accession \u00e0 la propri\u00e9t\u00e9, les \u00e9tablissements de cr\u00e9dit ont am\u00e9lior\u00e9 les conditions des pr\u00eats qu\u2019ils proposent aux m\u00e9nages modestes. Cependant les \u00e9volutions des taux ne sont plus suffisantes pour faire rebondir la demande : l\u2019am\u00e9lioration des conditions de cr\u00e9dit constat\u00e9e depuis fin 2015 ne compense plus la d\u00e9t\u00e9rioration de la solvabilit\u00e9 de la demande provoqu\u00e9e par la hausse des prix de l\u2019immobilier et la d\u00e9gradation des soutiens publics. N\u00e9anmoins depuis septembre 2017, les taux ont diminu\u00e9 de 12 points de base, dans l\u2019ensemble : de 8 points sur le march\u00e9 des travaux (1.38 % en septembre 2018), de 11 points sur le march\u00e9 du neuf (1.47 % en septembre 2018) et de 13 points sur le march\u00e9 de l\u2019ancien (1.44 % en septembre 2018). Au 3\u00e8me trimestre 2018, la dur\u00e9e des pr\u00eats accord\u00e9s est de 223 mois en moyenne (242 mois pour l\u2019accession dans le neuf et 237 mois pour l\u2019accession dans l\u2019ancien). Ainsi depuis le d\u00e9but de 2014, les dur\u00e9es des pr\u00eats bancaires se sont accrues de 18 mois (de 5 mois au cours de l\u2019ann\u00e9e 2017 et de 6 mois depuis le d\u00e9but de 2018).<\/p>\n

Source : Observatoire Cr\u00e9dit Logement \/ CSA – 3\u00e8me trimestre 2018
\nGraphique : Pr\u00eats bancaires (taux nominaux, hors assurance)<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

En d\u00e9pit de la reprise de l\u2019inflation, les conditions de cr\u00e9dit restent excellentes au troisi\u00e8me trimestre 2018. Les taux d\u2019int\u00e9r\u00eat r\u00e9els n\u2019ont jamais \u00e9t\u00e9 aussi bas depuis le 1er choc p\u00e9trolier. Cette situation est rendue possible par les conditions de financement et de refinancement de la production qui pr\u00e9valent, ainsi que par une concurrence par […]<\/p>\n","protected":false},"author":17,"featured_media":100618,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10530,6345],"tags":[7389],"class_list":["post-100617","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie-marches","tag-credit-immobilier"],"yoast_head":"\nConditions de cr\u00e9dit excellentes<\/title>\n<meta name=\"description\" content=\"En d\u00e9pit de la reprise de l\u2019inflation, les conditions de cr\u00e9dit restent excellentes au troisi\u00e8me trimestre 2018.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conditions de cr\u00e9dit excellentes\" \/>\n<meta property=\"og:description\" content=\"En d\u00e9pit de la reprise de l\u2019inflation, les conditions de cr\u00e9dit restent excellentes au troisi\u00e8me trimestre 2018.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/\" \/>\n<meta property=\"og:site_name\" content=\"Batijournal\" \/>\n<meta property=\"article:published_time\" content=\"2018-10-22T06:41:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-15T10:03:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/batijournal.com\/wp-content\/uploads\/2018\/10\/evolution-taux-prets-bancaires.png\" \/>\n\t<meta property=\"og:image:width\" content=\"880\" \/>\n\t<meta property=\"og:image:height\" content=\"463\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"St\u00e9phane Miget\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bati_journal\" \/>\n<meta name=\"twitter:site\" content=\"@bati_journal\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"St\u00e9phane Miget\" \/>\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:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/\"},\"author\":{\"name\":\"St\u00e9phane Miget\",\"@id\":\"https:\\\/\\\/batijournal.com\\\/#\\\/schema\\\/person\\\/1dc96ec6957aa1ccb25ebe78bb19f100\"},\"headline\":\"Conditions de cr\u00e9dit excellentes\",\"datePublished\":\"2018-10-22T06:41:47+00:00\",\"dateModified\":\"2019-07-15T10:03:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/\"},\"wordCount\":313,\"image\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/batijournal.com\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/evolution-taux-prets-bancaires.png\",\"keywords\":[\"credit immobilier\"],\"articleSection\":[\"Actualit\u00e9s\",\"\u00c9conomie & March\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/\",\"url\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/\",\"name\":\"Conditions de cr\u00e9dit excellentes\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/batijournal.com\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/evolution-taux-prets-bancaires.png\",\"datePublished\":\"2018-10-22T06:41:47+00:00\",\"dateModified\":\"2019-07-15T10:03:42+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/#\\\/schema\\\/person\\\/1dc96ec6957aa1ccb25ebe78bb19f100\"},\"description\":\"En d\u00e9pit de la reprise de l\u2019inflation, les conditions de cr\u00e9dit restent excellentes au troisi\u00e8me trimestre 2018.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/#primaryimage\",\"url\":\"https:\\\/\\\/batijournal.com\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/evolution-taux-prets-bancaires.png\",\"contentUrl\":\"https:\\\/\\\/batijournal.com\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/evolution-taux-prets-bancaires.png\",\"width\":880,\"height\":463,\"caption\":\"evolution taux prets bancaires\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/conditions-de-credit-excellentes\\\/100617\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/batijournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Actualit\u00e9s\",\"item\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/category\\\/actualites\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Conditions de cr\u00e9dit excellentes\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/batijournal.com\\\/#website\",\"url\":\"https:\\\/\\\/batijournal.com\\\/\",\"name\":\"Batijournal\",\"description\":\"L'actualit\u00e9 du b\u00e2timent\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/batijournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/batijournal.com\\\/#\\\/schema\\\/person\\\/1dc96ec6957aa1ccb25ebe78bb19f100\",\"name\":\"St\u00e9phane Miget\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/89915563d925342126b8ef0281b93d9d7fc337043e8df017f780908eb9644451?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/89915563d925342126b8ef0281b93d9d7fc337043e8df017f780908eb9644451?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/89915563d925342126b8ef0281b93d9d7fc337043e8df017f780908eb9644451?s=96&d=mm&r=g\",\"caption\":\"St\u00e9phane Miget\"},\"url\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/author\\\/stephane\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Conditions de cr\u00e9dit excellentes","description":"En d\u00e9pit de la reprise de l\u2019inflation, les conditions de cr\u00e9dit restent excellentes au troisi\u00e8me trimestre 2018.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/","og_locale":"fr_FR","og_type":"article","og_title":"Conditions de cr\u00e9dit excellentes","og_description":"En d\u00e9pit de la reprise de l\u2019inflation, les conditions de cr\u00e9dit restent excellentes au troisi\u00e8me trimestre 2018.","og_url":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/","og_site_name":"Batijournal","article_published_time":"2018-10-22T06:41:47+00:00","article_modified_time":"2019-07-15T10:03:42+00:00","og_image":[{"width":880,"height":463,"url":"https:\/\/batijournal.com\/wp-content\/uploads\/2018\/10\/evolution-taux-prets-bancaires.png","type":"image\/png"}],"author":"St\u00e9phane Miget","twitter_card":"summary_large_image","twitter_creator":"@bati_journal","twitter_site":"@bati_journal","twitter_misc":{"\u00c9crit par":"St\u00e9phane Miget","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/#article","isPartOf":{"@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/"},"author":{"name":"St\u00e9phane Miget","@id":"https:\/\/batijournal.com\/#\/schema\/person\/1dc96ec6957aa1ccb25ebe78bb19f100"},"headline":"Conditions de cr\u00e9dit excellentes","datePublished":"2018-10-22T06:41:47+00:00","dateModified":"2019-07-15T10:03:42+00:00","mainEntityOfPage":{"@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/"},"wordCount":313,"image":{"@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/#primaryimage"},"thumbnailUrl":"https:\/\/batijournal.com\/wp-content\/uploads\/2018\/10\/evolution-taux-prets-bancaires.png","keywords":["credit immobilier"],"articleSection":["Actualit\u00e9s","\u00c9conomie & March\u00e9s"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/","url":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/","name":"Conditions de cr\u00e9dit excellentes","isPartOf":{"@id":"https:\/\/batijournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/#primaryimage"},"image":{"@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/#primaryimage"},"thumbnailUrl":"https:\/\/batijournal.com\/wp-content\/uploads\/2018\/10\/evolution-taux-prets-bancaires.png","datePublished":"2018-10-22T06:41:47+00:00","dateModified":"2019-07-15T10:03:42+00:00","author":{"@id":"https:\/\/batijournal.com\/#\/schema\/person\/1dc96ec6957aa1ccb25ebe78bb19f100"},"description":"En d\u00e9pit de la reprise de l\u2019inflation, les conditions de cr\u00e9dit restent excellentes au troisi\u00e8me trimestre 2018.","breadcrumb":{"@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/#primaryimage","url":"https:\/\/batijournal.com\/wp-content\/uploads\/2018\/10\/evolution-taux-prets-bancaires.png","contentUrl":"https:\/\/batijournal.com\/wp-content\/uploads\/2018\/10\/evolution-taux-prets-bancaires.png","width":880,"height":463,"caption":"evolution taux prets bancaires"},{"@type":"BreadcrumbList","@id":"https:\/\/batijournal.com\/index.php\/conditions-de-credit-excellentes\/100617\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/batijournal.com\/"},{"@type":"ListItem","position":2,"name":"Actualit\u00e9s","item":"https:\/\/batijournal.com\/index.php\/category\/actualites\/"},{"@type":"ListItem","position":3,"name":"Conditions de cr\u00e9dit excellentes"}]},{"@type":"WebSite","@id":"https:\/\/batijournal.com\/#website","url":"https:\/\/batijournal.com\/","name":"Batijournal","description":"L'actualit\u00e9 du b\u00e2timent","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/batijournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/batijournal.com\/#\/schema\/person\/1dc96ec6957aa1ccb25ebe78bb19f100","name":"St\u00e9phane Miget","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/89915563d925342126b8ef0281b93d9d7fc337043e8df017f780908eb9644451?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89915563d925342126b8ef0281b93d9d7fc337043e8df017f780908eb9644451?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/89915563d925342126b8ef0281b93d9d7fc337043e8df017f780908eb9644451?s=96&d=mm&r=g","caption":"St\u00e9phane Miget"},"url":"https:\/\/batijournal.com\/index.php\/author\/stephane\/"}]}},"_links":{"self":[{"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/posts\/100617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/comments?post=100617"}],"version-history":[{"count":0,"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/posts\/100617\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/media\/100618"}],"wp:attachment":[{"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/media?parent=100617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/categories?post=100617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/batijournal.com\/index.php\/wp-json\/wp\/v2\/tags?post=100617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}