{"id":351914,"date":"2019-11-08T09:00:00","date_gmt":"2019-11-08T08:00:00","guid":{"rendered":"https:\/\/www.blog.monsieurhugo.com\/2019\/11\/08\/credit-immobilier-les-banques\/"},"modified":"2026-01-20T15:42:48","modified_gmt":"2026-01-20T14:42:48","slug":"credit-immobilier-les-banques","status":"publish","type":"post","link":"https:\/\/www.monsieurhugo.com\/blog\/2019\/11\/08\/credit-immobilier-les-banques\/","title":{"rendered":"Cr\u00e9dit immobilier : les banques durcissent les conditions !"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb3.22&Prime;][et_pb_row _builder_version=\u00a0\u00bb3.25&Prime; background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb3.25&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.4.9&Prime; background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<p><span style=\"font-family: inherit;\">Selon une \u00e9tude Vousfinancer, il semblerait que les conditions d&rsquo;acc\u00e8s aux cr\u00e9dits immobiliers soient en train de se durcir en cette fin d&rsquo;ann\u00e9e.<\/span><\/p>\n<p><span style=\"font-family: inherit;\">A l&rsquo;issue du sondage Vousfinancer, 95% des courtiers du r\u00e9seau estiment que les banques s&rsquo;inscrivent aujourd&rsquo;hui dans cette tendance contre 64% l&rsquo;an dernier \u00e0 la m\u00eame p\u00e9riode. Les courtiers constatent ainsi que certains \u00e9tablissements deviennent de plus en plus s\u00e9lectifs voire restrictifs concernant les profils consid\u00e9r\u00e9s comme moins rentables.<\/span><\/p>\n<p><span style=\"font-family: inherit;\">Les banques ont durci les conditions sur :<\/span><\/p>\n<ul>\n<li><span style=\"font-family: inherit;\">l\u2019<strong>apport<\/strong> (77 % des r\u00e9ponses, + 10 points par rapport \u00e0 2018),<\/span><\/li>\n<li><span style=\"font-family: inherit;\">l\u2019<strong>\u00e9pargne r\u00e9siduelle<\/strong> (58%),<\/span><\/li>\n<li><span style=\"font-family: inherit;\">les <strong>revenus<\/strong> (52%).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: inherit;\">La principale raison : les \u00e9tablissements financiers ont d\u00e9pass\u00e9 leurs objectifs de production de cr\u00e9dits !\u00a0Elles n&rsquo;accordent donc de cr\u00e9dit \u00e0 \u00ab\u00a0<strong>des taux records qu&rsquo;aux profils qu\u2019elles souhaitent capter<\/strong>\u00ab\u00a0.<\/span><\/p>\n<p><span style=\"font-family: inherit;\"><em><strong>&gt; Je vous sugg\u00e8re<\/strong> : <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2019\/09\/5-conseils-pour-financer-votre-achat.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>5 conseils pour financer votre achat immobilier<\/u><\/span><\/a><\/em><\/span><\/p>\n<p><span style=\"font-family: inherit;\">Ainsi, en fonction des profils, il est constat\u00e9 selon Vousfinancer :<\/span><\/p>\n<ul>\n<li><span style=\"font-family: inherit; font-size: large;\">des \u00e9carts de taux et d\u2019acc\u00e8s au cr\u00e9dit,<\/span><\/li>\n<li><span style=\"font-family: inherit; font-size: large;\">des difficult\u00e9s \u00e0 obtenir un accord de financement par manque d\u2019apport notamment.<\/span> <\/li>\n<\/ul>\n<h3><span style=\"font-family: inherit;\"> Se dirige-t-on vers un durcissement durable?<\/span>\u00a0<\/h3>\n<p><span style=\"font-family: inherit;\">Les taux restent bas en cette fin d&rsquo;ann\u00e9e et ils le resteront d\u00e9but 2020 m\u00eame si une l\u00e9g\u00e8re remont\u00e9e des taux a \u00e9t\u00e9 observ\u00e9e d\u00e9but novembre : de 0,05% \u00e0 0,15%.<\/span><\/p>\n<p><span style=\"font-family: inherit;\">Mais toutes les banques n&rsquo;ont pas suivi la tendance. Certaines poursuivent leurs baissent ce mois-ci.<\/span><\/p>\n<p><span style=\"font-family: inherit;\">Pour d&rsquo;autres les remont\u00e9es ne concernent souvent que les cr\u00e9dits longues dur\u00e9es ou les profils \u00e0 faibles revenus.<\/span><\/p>\n<p><span style=\"font-family: inherit;\">Globalement, la tendance reste cependant \u00e0 la stabilit\u00e9 avec des taux moyens qui se maintiennent \u00e0 <strong>1,05% sur 15 ans, 1,25% sur 20 ans et 1,45% sur 25 ans<\/strong>.<\/span><\/p>\n<p><span style=\"font-family: inherit;\">Toutefois cette surchauffe du cr\u00e9dit immobilier inqui\u00e8te au niveau fran\u00e7ais et europ\u00e9en. Ainsi, le Haut Conseil de stabilit\u00e9 financi\u00e8re a publi\u00e9 son diagnostic le 1er octobre. Selon lui, \u00ab <strong>la profitabilit\u00e9 des cr\u00e9dits \u00e0 l\u2019habitat fragilise le secteur<\/strong> \u00bb.<\/span><\/p>\n<p><span style=\"font-family: inherit;\">Vousfinancer argue dans ce sens et estime qu\u2019il serait pr\u00e9f\u00e9rable que les taux remontent l\u00e9g\u00e8rement, mais durablement. Des hausses entre 0,10 et 0,30% permettraient d&rsquo;assurer un plus large acc\u00e8s au cr\u00e9dit, \u00e0 des taux toujours tr\u00e8s favorables.<\/span><\/p>\n<p><span style=\"font-family: inherit;\">Si vous faites parti des profils que les banques mettent de c\u00f4t\u00e9 en cette fin d&rsquo;ann\u00e9e, prenez votre mal en patience&#8230; <strong>Les banques vont bient\u00f4t remettre leurs compteurs \u00e0 z\u00e9ro&#8230;<\/strong><\/span><\/p>\n<p><span style=\"font-family: inherit;\">Retrouvez l&rsquo;ensemble de l&rsquo;\u00e9tude Vousfinancer dans ce\u00a0<a href=\"https:\/\/www.vousfinancer.com\/franchise\/presse\/communiques\/premieres-hausses-de-taux-en-novembre-et-durcissement-des-conditions-doctroi-dans-les-banques\" target=\"_blank\" rel=\"noopener noreferrer\"><u><span style=\"font-size: large;\">communiqu\u00e9 de presse<\/span><\/u><\/a>.<\/span><\/p>\n<p><span style=\"font-family: inherit;\">Bon financement, <\/span><\/p>\n<p><span style=\"font-size: large; font-family: inherit;\"><strong><span style=\"color: #006fad;\">Monsieur Hugo<\/span><\/strong>,\u00a0<\/span><\/p>\n<p><span style=\"font-size: large; font-family: inherit;\">Votre assistant personnel en gestion locative.<\/span><\/p>\n<p><span style=\"font-size: large; font-family: inherit;\"><strong>Restons en conta<\/strong><strong>ct !\u00a0<\/strong><\/span><\/p>\n<p><span style=\"font-size: large; font-family: inherit;\"><strong>Retrouvez-moi sur\u00a0<\/strong><a href=\"https:\/\/www.facebook.com\/assistantmonsieurhugo\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Facebook<\/u><\/span><\/a><\/span><\/p>\n<p><span style=\"font-family: inherit;\"><span style=\"font-size: large;\">Je vous sugg\u00e8re aussi :<\/span><span style=\"font-size: large;\"><br class=\"Apple-interchange-newline\" \/>&gt;\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/bail-de-location-loi-alur-modele-gratuit-telecharger.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Vous voulez \u00eatre incollable sur le contrat de location ? + T\u00e9l\u00e9chargez votre bail gratuit<\/u><\/span><\/a><\/span><\/span><\/p>\n<p><span style=\"font-family: inherit; font-size: large;\">&gt;\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/etat-des-lieux-modele-a-telecharger.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Comment \u00e9tablir l&rsquo;\u00e9tat des lieux de votre logement ?<\/u><\/span><\/a><\/span><\/p>\n<p><span style=\"font-family: inherit; font-size: large;\">&gt; <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2019\/09\/comment-calculer-le-rendement-locatif.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Comment calculer le rendement locatif via notre simulateur de rentabilit\u00e9<\/u><\/span><\/a><a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/quittance-de-loyer-modele-a-telecharger.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u><\/u><\/span><\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selon une \u00e9tude Vousfinancer, il semblerait que les conditions d&rsquo;acc\u00e8s aux cr\u00e9dits immobiliers soient en train de se durcir en cette fin d&rsquo;ann\u00e9e. A l&rsquo;issue du sondage Vousfinancer, 95% des courtiers du r\u00e9seau estiment que les banques s&rsquo;inscrivent aujourd&rsquo;hui dans cette tendance contre 64% l&rsquo;an dernier \u00e0 la m\u00eame p\u00e9riode. Les courtiers constatent ainsi que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":352580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"<p class=\"separator\"><img alt=\"Gestion locative - Monsieur Hugo\" src=\"https:\/\/1.bp.blogspot.com\/-fpgVHy7j1pw\/XcBKBkrV0uI\/AAAAAAAAApw\/s4RfEz5YAYIjz0DHcy8Qyqfi0VIlqMxNgCLcBGAsYHQ\/s1600\/Gestion%2Blocative%2B-%2BMonsieur%2BHugo.jpeg\" \/><\/p>\r\n\r\n\r\nSelon une \u00e9tude Vousfinancer, il semblerait que les conditions d'acc\u00e8s aux cr\u00e9dits immobiliers soient en train de se durcir en cette fin d'ann\u00e9e.\r\n\r\n\r\n<p>A l'issue du sondage Vousfinancer, 95% des courtiers du r\u00e9seau estiment que les banques s'inscrivent aujourd'hui dans cette tendance contre 64% l'an dernier \u00e0 la m\u00eame p\u00e9riode. Les courtiers constatent ainsi que certains \u00e9tablissements deviennent de plus en plus s\u00e9lectifs voire restrictifs concernant les profils consid\u00e9r\u00e9s comme moins rentables.\r\n<p>Les banques ont durci les conditions sur :<\/p>\r\n<p><ul>\r\n<li>l\u2019<strong>apport<\/strong> (77 % des r\u00e9ponses, + 10 points par rapport \u00e0 2018),<\/li>\r\n<li>l\u2019<strong>\u00e9pargne r\u00e9siduelle<\/strong> (58%),<\/li>\r\n<li>les <strong>revenus<\/strong> (52%).<\/li>\r\n<\/ul><\/p>\r\n\r\n<p>La principale raison : les \u00e9tablissements financiers ont d\u00e9pass\u00e9 leurs objectifs de production de cr\u00e9dits !\u00a0Elles n'accordent donc de cr\u00e9dit \u00e0 \"<strong>des taux records qu'aux profils qu\u2019elles souhaitent capter<\/strong>\".<\/p>\r\n\r\n<p><em><strong>> Je vous sugg\u00e8re<\/strong> : <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2019\/09\/5-conseils-pour-financer-votre-achat.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>5 conseils pour financer votre achat immobilier<\/u><\/span><\/a><\/em>\r\n\r\n\r\n\r\nAinsi, en fonction des profils, il est constat\u00e9 selon Vousfinancer :\r\n\r\n<ul><li><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif; font-size: large;\">des \u00e9carts de taux et d\u2019acc\u00e8s au cr\u00e9dit,<\/span><\/li>\r\n<li><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif; font-size: large;\">des difficult\u00e9s \u00e0 obtenir un accord de financement par manque d\u2019apport notamment.<\/span><\/li><\/ul>\r\n<\/p>\r\n<p><h3>\r\nSe dirige-t-on vers un durcissement durable?<\/h3><\/p>\r\n<p>Les taux restent bas en cette fin d'ann\u00e9e et ils le resteront d\u00e9but 2020 m\u00eame si une l\u00e9g\u00e8re remont\u00e9e des taux a \u00e9t\u00e9 observ\u00e9e d\u00e9but novembre : de 0,05% \u00e0 0,15%.<\/p>\r\n\r\n<p>Mais toutes les banques n'ont pas suivi la tendance. Certaines poursuivent leurs baissent ce mois-ci.<\/p>\r\n<p>Pour d'autres les remont\u00e9es ne concernent souvent que les cr\u00e9dits longues dur\u00e9es ou les profils \u00e0 faibles revenus.<\/p>\r\n<p>Globalement, la tendance reste cependant \u00e0 la stabilit\u00e9 avec des taux moyens qui se maintiennent \u00e0 <strong>1,05% sur 15 ans, 1,25% sur 20 ans et 1,45% sur 25 ans<\/strong>.<\/p>\r\n\r\n<p>Toutefois cette surchauffe du cr\u00e9dit immobilier inqui\u00e8te au niveau fran\u00e7ais et europ\u00e9en. Ainsi, le Haut Conseil de stabilit\u00e9 financi\u00e8re a publi\u00e9 son diagnostic le 1er octobre. Selon lui, \u00ab <strong>la profitabilit\u00e9 des cr\u00e9dits \u00e0 l\u2019habitat fragilise le secteur<\/strong> \u00bb.<\/p>\r\n\r\n<p>Vousfinancer argue dans ce sens et estime qu\u2019il serait pr\u00e9f\u00e9rable que les taux remontent l\u00e9g\u00e8rement, mais durablement. Des hausses entre 0,10 et 0,30% permettraient d'assurer un plus large acc\u00e8s au cr\u00e9dit, \u00e0 des taux toujours tr\u00e8s favorables.<\/p>\r\n\r\n<p>Si vous faites parti des profils que les banques mettent de c\u00f4t\u00e9 en cette fin d'ann\u00e9e, prenez votre mal en patience... <strong>Les banques vont bient\u00f4t remettre leurs compteurs \u00e0 z\u00e9ro...<\/strong><\/p>\r\n\r\n<p>Retrouvez l'ensemble de l'\u00e9tude Vousfinancer dans ce\u00a0<a href=\"https:\/\/www.vousfinancer.com\/franchise\/presse\/communiques\/premieres-hausses-de-taux-en-novembre-et-durcissement-des-conditions-doctroi-dans-les-banques\" target=\"_blank\" rel=\"noopener noreferrer\"><u><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\"><span style=\"font-size: large;\">communiqu\u00e9 de presse<\/span><\/span><\/u><\/a>.<\/p>\r\n\r\n<p>Bon financement,<p><span style=\"font-size: large;\"><strong><span style=\"color: #006fad;\">Monsieur Hugo<\/span><\/strong>,\u00a0<\/span><\/p>\r\n<p><span style=\"font-size: large;\">Votre assistant personnel en gestion locative.<\/span><\/p>\r\n\r\n<p><span style=\"font-size: large;\"><strong>Restons en conta<\/strong><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\"><strong>ct !\u00a0<\/strong><\/span><\/span><\/p>\r\n\r\n<p><span style=\"font-size: large;\"><strong><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">Inscrive<span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">z-vous \u00e0\u00a0<span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">ma\u00a0<span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">NEWSLETTER\u00a0<\/span><\/span><\/span><\/span><\/strong><\/span><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\"><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">pour\u00a0<span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">recevoir<\/span>\u00a0les dernie<span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">rs docu<span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">ments contractu<span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">els \u00e0 jour (bail, \u00e9tat des lieux, mod\u00e8les de lettres, acte de ca<span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">ution<\/span>...), je les mets \u00e0 jour r\u00e9guli\u00e8rement en fonction des \u00e9volution<span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">s r\u00e9glementaires.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\r\n\r\n<p><span style=\"font-size: large;\"><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\"><strong>Retrouvez-moi sur\u00a0<\/strong><a href=\"https:\/\/www.facebook.com\/assistantmonsieurhugo\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Facebook<\/u><\/span><\/a><\/span><\/span><\/p>\r\n<p><span style=\"font-size: large;\">Je vous sugg\u00e8re aussi :<\/span><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\"><span style=\"font-size: large;\"><br class=\"Apple-interchange-newline\" \/>>\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/bail-de-location-loi-alur-modele-gratuit-telecharger.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Vous voulez \u00eatre incollable sur le contrat de location ? + T\u00e9l\u00e9chargez votre bail gratuit<\/u><\/span><\/a><\/span><\/span><\/p>\r\n<p><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\"><span style=\"font-size: large;\"><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\"><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">>\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/etat-des-lieux-modele-a-telecharger.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Comment \u00e9tablir l'\u00e9tat des lieux de votre logement ?<\/u><\/span><\/a><\/span><\/span><\/span><\/span><\/p>\r\n<p><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\"><span style=\"font-size: large;\"><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\"><span style=\"font-family: \"arial\" , \"helvetica\" , sans-serif;\">> <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2019\/09\/comment-calculer-le-rendement-locatif.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Comment calculer le rendement locatif via notre simulateur de rentabilit\u00e9<\/u><\/span><\/a><a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/quittance-de-loyer-modele-a-telecharger.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u><\/u><\/span><\/a><\/span><\/span><\/span><\/span><\/p>\r\n<\/p>\r\n<\/p>\r\n<\/p>\r\n<\/p>","_et_gb_content_width":"","footnotes":""},"categories":[46],"tags":[],"class_list":["post-351914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-immobilier"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit immobilier : les banques durcissent les conditions ! - Monsieur Hugo<\/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.monsieurhugo.com\/blog\/2019\/11\/08\/credit-immobilier-les-banques\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : les banques durcissent les conditions ! - Monsieur Hugo\" \/>\n<meta property=\"og:description\" content=\"Selon une \u00e9tude Vousfinancer, il semblerait que les conditions d&#039;acc\u00e8s aux cr\u00e9dits immobiliers soient en train de se durcir en cette fin d&#039;ann\u00e9e. A l&#039;issue du sondage Vousfinancer, 95% des courtiers du r\u00e9seau estiment que les banques s&#039;inscrivent aujourd&#039;hui dans cette tendance contre 64% l&#039;an dernier \u00e0 la m\u00eame p\u00e9riode. 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