{"id":351931,"date":"2019-10-22T09:30:00","date_gmt":"2019-10-22T07:30:00","guid":{"rendered":""},"modified":"2026-01-20T15:42:50","modified_gmt":"2026-01-20T14:42:50","slug":"credit-immobilier-qui-sont-les","status":"publish","type":"post","link":"https:\/\/www.monsieurhugo.com\/blog\/2019\/10\/22\/credit-immobilier-qui-sont-les\/","title":{"rendered":"Cr\u00e9dit immobilier : qui sont les chouchous des banques ?"},"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 class=\"separator\">Malgr\u00e9 les premi\u00e8res remont\u00e9es de taux constat\u00e9es, les taux de cr\u00e9dit immobiliers ont encore baiss\u00e9 en France en ce mois d&rsquo;octobre et continuent \u00e0 battre des records !<\/p>\n<p>Les taux moyens relev\u00e9s s\u2019\u00e9l\u00e8vent \u00e0 1,10 % sur 15 ans, 1,30 % sur 20 ans et 1,50 % sur 25 ans.<\/p>\n<p>Ils descendent m\u00eame plus bas chez certains courtiers. Chez Meilleurstaux par exemple, on note des taux \u00e0 0,58% sur 20 ans et 0,73% sur 25 ans.<\/p>\n<p>Chez Vousfinancer, le constat est le m\u00eame \u00ab de nouveaux records \u00e0 0,35% sur 12 ans, 0,43% sur 17 ans, 0,55% sur 20 ans et 0,85% sur 25 ans \u00bb.<\/p>\n<p>0,35%, 0,43%, 0,55%&#8230; Qui profite de ces excellents taux ?<\/p>\n<p>Car selon, l\u2019Observatoire du Cr\u00e9dit Logement\/CSA, dont l\u2019\u00e9tude mensuelle sert de r\u00e9f\u00e9rence, le taux d\u2019int\u00e9r\u00eat moyen reste au-dessus de 1% : 1,18%, en septembre, toutes dur\u00e9es confondues, 1,08% sur 20 ans ou encore 1,33% sur 25 ans.<\/p>\n<p>Ce sont bien \u00e9videmment les excellents dossiers qui profitent le plus de cette baisse.<\/p>\n<p>Vousfinancer a ainsi n\u00e9goci\u00e9 et propos\u00e9 un pr\u00eat \u00e0 0,55% sur 20 ans \u00e0 un couple de quinquag\u00e9naires, cadres sup\u00e9rieurs, disposant d\u2019un apport de 200 000 euros et gagnant \u00e0 eux deux 15 000 euros par mois.<\/p>\n<p>Pas monsieur et madame tout le monde&#8230; En effet, ces revenus positionnent ce couple dans les 1 \u00e0 2% des Fran\u00e7ais salari\u00e9s les mieux r\u00e9mun\u00e9r\u00e9s.<\/p>\n<p>Qui sont donc les \u00ab\u00a0chouchous\u00a0\u00bb des banques ? Combien gagnent-ils par mois ? Combien ont-ils d\u2019apport ?<\/p>\n<p>Toutes les r\u00e9ponses sont dans l&rsquo;\u00e9tude Vousfinancer que vous trouverez <a href=\"https:\/\/www.vousfinancer.com\/credit-immobilier\/actualites\/taux-canons-no-moins-de-1-sur-20-ans-qui-sont-les-chouchous-des-banques-\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>ici<\/u><\/span><\/a>.<\/p>\n<p>Bon investissement !<\/p>\n<p><span style=\"color: #006fad;\"><strong>Monsieur Hugo<\/strong><\/span>,<\/p>\n<p>Votre assistant personnel en gestion locative<\/p>\n<p><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><strong>Restons en conta<\/strong><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><strong>ct !<\/strong><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><strong>Retrouvez-moi sur<\/strong>\u00a0<a href=\"https:\/\/www.facebook.com\/assistantmonsieurhugo\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Facebook<\/u><\/span><\/a><\/span><a href=\"https:\/\/www.facebook.com\/assistantmonsieurhugo\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>\u00a0<\/u><\/span><\/a><\/span><\/span>\u00a0<\/span><\/p>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">\u00a0<\/span><\/span><\/p>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Je vous sugg\u00e8re aussi :<\/span><\/span><\/p>\n<p><span style=\"color: blue;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"color: black; font-size: large;\">&gt;\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/03\/les-nouveautes-du-bail-apportees-par-la.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Les nouveaut\u00e9s apport\u00e9es par la loi Alur (pdf bail \u00e0 t\u00e9l\u00e9charger)<\/u><\/span><\/a><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size: large;\">&gt;\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/02\/loyer-impaye-que-faire.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Mon locataire ne paie plus son loyer ! Que dois-je faire ?<\/u><\/span><\/a><\/span><\/p>\n<p><span style=\"font-size: large;\">&gt;\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/02\/loyer-impaye-que-faire.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Dur\u00e9e, caution, fiscalit\u00e9&#8230; Quelles sont les diff\u00e9rences entre une location meubl\u00e9e et une location nue ?<\/u><\/span><\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Malgr\u00e9 les premi\u00e8res remont\u00e9es de taux constat\u00e9es, les taux de cr\u00e9dit immobiliers ont encore baiss\u00e9 en France en ce mois d&rsquo;octobre et continuent \u00e0 battre des records ! Les taux moyens relev\u00e9s s\u2019\u00e9l\u00e8vent \u00e0 1,10 % sur 15 ans, 1,30 % sur 20 ans et 1,50 % sur 25 ans. Ils descendent m\u00eame plus bas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":352603,"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 src=\"https:\/\/1.bp.blogspot.com\/-GtlblkbplBI\/Xa70llhYcKI\/AAAAAAAAAo0\/cwzAc0Q72ZYLuqJnQJ9a_xkn2B8njld2gCLcBGAsYHQ\/s1600\/Monsieur%2BHugo%2B-%2BGestion%2Blocative.jpeg\" \/><\/p><p>Malgr\u00e9 les premi\u00e8res remont\u00e9es de taux constat\u00e9es, les taux de cr\u00e9dit immobiliers ont encore baiss\u00e9 en France en ce mois d'octobre et continuent \u00e0 battre des records !<\/p><p>Les taux moyens relev\u00e9s s\u2019\u00e9l\u00e8vent \u00e0 1,10 % sur 15 ans, 1,30 % sur 20 ans et 1,50 % sur 25 ans.<\/p><p>Ils descendent m\u00eame plus bas chez certains courtiers. Chez Meilleurstaux par exemple, on note des taux \u00e0 0,58% sur 20 ans et 0,73% sur 25 ans.<\/p><p>Chez Vousfinancer, le constat est le m\u00eame \u00ab de nouveaux records \u00e0 0,35% sur 12 ans, 0,43% sur 17 ans, 0,55% sur 20 ans et 0,85% sur 25 ans \u00bb.<\/p><p>0,35%, 0,43%, 0,55%... Qui profite de ces excellents taux ?<\/p><p>Car selon, l\u2019Observatoire du Cr\u00e9dit Logement\/CSA, dont l\u2019\u00e9tude mensuelle sert de r\u00e9f\u00e9rence, le taux d\u2019int\u00e9r\u00eat moyen reste au-dessus de 1% : 1,18%, en septembre, toutes dur\u00e9es confondues, 1,08% sur 20 ans ou encore 1,33% sur 25 ans.<\/p><p>Ce sont bien \u00e9videmment les excellents dossiers qui profitent le plus de cette baisse.<\/p><p>Vousfinancer a ainsi n\u00e9goci\u00e9 et propos\u00e9 un pr\u00eat \u00e0 0,55% sur 20 ans \u00e0 un couple de quinquag\u00e9naires, cadres sup\u00e9rieurs, disposant d\u2019un apport de 200 000 euros et gagnant \u00e0 eux deux 15 000 euros par mois.<\/p><p>Pas monsieur et madame tout le monde... En effet, ces revenus positionnent ce couple dans les 1 \u00e0 2% des Fran\u00e7ais salari\u00e9s les mieux r\u00e9mun\u00e9r\u00e9s.<\/p><p>Qui sont donc les \"chouchous\" des banques ? Combien gagnent-ils par mois ? Combien ont-ils d\u2019apport ?<\/p><p>Toutes les r\u00e9ponses sont dans l'\u00e9tude Vousfinancer que vous trouverez <a href=\"https:\/\/www.vousfinancer.com\/credit-immobilier\/actualites\/taux-canons-no-moins-de-1-sur-20-ans-qui-sont-les-chouchous-des-banques-\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>ici<\/u><\/span><\/a>.<\/p><p>Bon investissement !<\/p><p><span style=\"color: #006fad;\"><strong>Monsieur Hugo<\/strong><\/span>,<\/p><p>Votre assistant personnel en gestion locative<\/p><p><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><strong>Restons en conta<\/strong><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><strong>ct !<\/strong><\/span><\/span><\/span><\/span><\/p><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;\"><a href=\"https:\/\/www.monsieurhugo.com\/blog\/p\/blog-page.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\">NEWSLETTER<\/span><\/a>\u00a0<\/span><\/span><\/span><\/span><\/strong><\/span><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif; font-size: large;\">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 utiles pour la\u00a0<strong>gestion locative en ligne<\/strong>\u00a0(bail, \u00e9tat des lieux, mod\u00e8les de lettres,\u00a0<strong>acte de ca<span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\">ution<\/span>\u00a0solidaire<\/strong>...), 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><p><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><strong>Retrouvez-moi sur<\/strong>\u00a0<a href=\"https:\/\/www.facebook.com\/assistantmonsieurhugo\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Facebook<\/u><\/span><\/a><\/span><a href=\"https:\/\/www.facebook.com\/assistantmonsieurhugo\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>\u00a0<\/u><\/span><\/a><\/span><\/span>\u00a0<\/span><\/p><p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">\u00a0<\/span><\/span><\/p><p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Je vous sugg\u00e8re aussi :<\/span><\/span><\/p><p><span style=\"color: blue;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"color: black; font-size: large;\">>\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/03\/les-nouveautes-du-bail-apportees-par-la.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Les nouveaut\u00e9s apport\u00e9es par la loi Alur (pdf bail \u00e0 t\u00e9l\u00e9charger)<\/u><\/span><\/a><\/span><\/span><\/span><\/span><\/p><p><span style=\"font-size: large;\">>\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/02\/loyer-impaye-que-faire.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Mon locataire ne paie plus son loyer ! Que dois-je faire ?<\/u><\/span><\/a><\/span><\/p><p><span style=\"font-size: large;\">>\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/02\/loyer-impaye-que-faire.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Dur\u00e9e, caution, fiscalit\u00e9... Quelles sont les diff\u00e9rences entre une location meubl\u00e9e et une location nue ?<\/u><\/span><\/a><\/span><\/p>","_et_gb_content_width":"","footnotes":""},"categories":[46],"tags":[],"class_list":["post-351931","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 v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit immobilier : qui sont les chouchous des banques ? - 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\/10\/22\/credit-immobilier-qui-sont-les\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : qui sont les chouchous des banques ? - Monsieur Hugo\" \/>\n<meta property=\"og:description\" content=\"Malgr\u00e9 les premi\u00e8res remont\u00e9es de taux constat\u00e9es, les taux de cr\u00e9dit immobiliers ont encore baiss\u00e9 en France en ce mois d&#039;octobre et continuent \u00e0 battre des records ! 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