{"id":351975,"date":"2019-08-22T09:30:00","date_gmt":"2019-08-22T07:30:00","guid":{"rendered":""},"modified":"2026-01-20T15:42:55","modified_gmt":"2026-01-20T14:42:55","slug":"le-top-3-des-banques-qui-pretent","status":"publish","type":"post","link":"https:\/\/www.monsieurhugo.com\/blog\/2019\/08\/22\/le-top-3-des-banques-qui-pretent\/","title":{"rendered":"Le top 3 des banques qui pr\u00eatent !"},"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; text_font_size=\u00a0\u00bb19px\u00a0\u00bb]<\/p>\n<p class=\"separator\">Cr\u00e9dit Agricole,\u00a0Banque Populaire \u2013 Caisse d\u2019Epargne (BPCE) et\u00a0Cr\u00e9dit Mutuel : voici le top 3 des banques qui ont le plus pr\u00eat\u00e9 pour l&rsquo;habitat en 2018.<\/p>\n<p>C&rsquo;est ce qui ressort de l&rsquo;\u00e9tude men\u00e9e par l&rsquo;ACPR (Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution) sortie en juillet 2019.<\/p>\n<p>Le march\u00e9 immobilier r\u00e9sidentiel a \u00e9t\u00e9 tr\u00e8s dynamique en 2018, gr\u00e2ce \u00e0 des taux d&rsquo;int\u00e9r\u00eat bas, laissant longtemps penser que le million de transactions serait atteint. Le nombre de transactions a toutefois atteint un pic historique de 970 000 ventes avec une production annuelle de cr\u00e9dits \u00e0 l\u2019habitat qui s\u2019est \u00e9lev\u00e9e \u00e0 203 milliards d\u2019euros.<\/p>\n<p>Ce chiffre est pourtant en baisse par rapport \u00e0 2017 (-26%). Selon l&rsquo;\u00e9tude, cette baisse s\u2019explique essentiellement (voire uniquement) par la chute des rachats de cr\u00e9dits externes en 2018 (-67 %), passant la production annuelle de 23,6 % entre 2017 \u00e0 9.5 % en 2018.<\/p>\n<p>Dans le m\u00eame temps, les encours de cr\u00e9dits \u00e0 l\u2019habitat ont franchi en 2018 la barre des 1 000 milliards d\u2019euros (1 010 milliards au 31 d\u00e9cembre 2018), enregistrant sur l\u2019ann\u00e9e une croissance de 5,8 % qui se maintient \u00e0 ce rythme au premier trimestre 2019.<\/p>\n<p>Pour en revenir au classement des banques, sur les derniers chiffres publi\u00e9s, le Cr\u00e9dit Agricole concentre \u00e0 lui seul 34.9% des encours en France au 30 juin 2018 suivi par le groupe BPCE (Banque Populaire et Caisse d&rsquo;Epargne) avec 27% et le Cr\u00e9dit Mutuel avec 16.4% des encours.<\/p>\n<p>BNP Paribas (9.8%) et Soci\u00e9t\u00e9 G\u00e9n\u00e9rale (9.2%) sont respectivement 4\u00e8me et 5\u00e8me.<\/p>\n<p>Les donn\u00e9es publi\u00e9es par l\u2019EBA indiquent \u00e9galement que le groupe Cr\u00e9dit Agricole est le seul qui a accru sa part de march\u00e9 au cours des 4 derni\u00e8res ann\u00e9es (2,2 pts) contrairement aux autres groupes bancaires, fran\u00e7ais comme \u00e9trangers.<\/p>\n<p><span style=\"font-size: large;\">Bon investissement !\u00a0<\/span><br \/> <span style=\"font-size: large;\"><strong><span style=\"color: #006fad;\">Monsieur Hugo<\/span><\/strong>,\u00a0<\/span><\/p>\n<p><span style=\"font-size: large;\">Votre assistant personnel en gestion locative<\/span><\/p>\n<p><strong><span style=\"font-size: large;\">Restons en contact !<\/span><\/strong><span style=\"font-size: large;\"><strong>\u00a0<\/strong><\/span><\/p>\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>\n<p>Je vous sugg\u00e8re aussi :<\/p>\n<p>&gt;\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/09\/tous-les-diagnostics-immobiliers.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Tous les diagnostics immobiliers \u00e0 fournir au locataire lorsque vous mettez un bien en location<\/u><\/span><\/a><\/p>\n<p>&gt;\u00a0<a href=\"http:\/\/www.monsieurhugo.com\/blog\/2018\/02\/les-charges-locatives-et-moi.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Tout savoir sur les charges locatives !<\/u><\/span><\/a><\/p>\n<p><span style=\"font-size: large;\">&gt; <a href=\"http:\/\/www.monsieurhugo.com\/blog\/2018\/01\/guide-de-la-gestion-locative-monsieur-hugo.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Ce que vous devez savoir pour g\u00e9rer seul votre bien<\/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>Cr\u00e9dit Agricole,\u00a0Banque Populaire \u2013 Caisse d\u2019Epargne (BPCE) et\u00a0Cr\u00e9dit Mutuel : voici le top 3 des banques qui ont le plus pr\u00eat\u00e9 pour l&rsquo;habitat en 2018. C&rsquo;est ce qui ressort de l&rsquo;\u00e9tude men\u00e9e par l&rsquo;ACPR (Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution) sortie en juillet 2019. Le march\u00e9 immobilier r\u00e9sidentiel a \u00e9t\u00e9 tr\u00e8s dynamique en 2018, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":352726,"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\/-WRI0TwfwXbw\/XV6TDQb8zvI\/AAAAAAAAAlg\/vNM51SyMG6IEd2gZ8OUO8qv4IVX7draqwCLcBGAs\/s1600\/Monsieur%2BHugo%2B-%2BGestion%2Blocative.jpeg\" \/><\/p><p>Cr\u00e9dit Agricole,\u00a0Banque Populaire \u2013 Caisse d\u2019Epargne (BPCE) et\u00a0Cr\u00e9dit Mutuel : voici le top 3 des banques qui ont le plus pr\u00eat\u00e9 pour l'habitat en 2018.<\/p><p>C'est ce qui ressort de l'\u00e9tude men\u00e9e par l'ACPR (Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution) sortie en juillet 2019.<\/p><p>Le march\u00e9 immobilier r\u00e9sidentiel a \u00e9t\u00e9 tr\u00e8s dynamique en 2018, gr\u00e2ce \u00e0 des taux d'int\u00e9r\u00eat bas, laissant longtemps penser que le million de transactions serait atteint. Le nombre de transactions a toutefois atteint un pic historique de 970 000 ventes avec une production annuelle de cr\u00e9dits \u00e0 l\u2019habitat qui s\u2019est \u00e9lev\u00e9e \u00e0 203 milliards d\u2019euros.\u00a0<\/p><p>Ce chiffre est pourtant en baisse par rapport \u00e0 2017 (-26%). Selon l'\u00e9tude, cette baisse s\u2019explique essentiellement (voire uniquement) par la chute des rachats de cr\u00e9dits externes en 2018 (-67 %), passant la production annuelle de 23,6 % entre 2017 \u00e0 9.5 % en 2018.<\/p><p>Dans le m\u00eame temps, les encours de cr\u00e9dits \u00e0 l\u2019habitat ont franchi en 2018 la barre des 1 000 milliards d\u2019euros (1 010 milliards au 31 d\u00e9cembre 2018), enregistrant sur l\u2019ann\u00e9e une croissance de 5,8 % qui se maintient \u00e0 ce rythme au premier trimestre 2019.<\/p><p>Pour en revenir au classement des banques, sur les derniers chiffres publi\u00e9s, le Cr\u00e9dit Agricole concentre \u00e0 lui seul 34.9% des encours en France au 30 juin 2018 suivi par le groupe BPCE (Banque Populaire et Caisse d'Epargne) avec 27% et le Cr\u00e9dit Mutuel avec 16.4% des encours.<\/p><p>BNP Paribas (9.8%) et Soci\u00e9t\u00e9 G\u00e9n\u00e9rale (9.2%) sont respectivement 4\u00e8me et 5\u00e8me.\u00a0<\/p><table class=\"tr-caption-container\" style=\"margin-left: auto; margin-right: auto; text-align: center;\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\"><tbody><tr><td style=\"text-align: center;\"><img src=\"https:\/\/1.bp.blogspot.com\/-sccnor-YfZk\/XV6NLBMWrUI\/AAAAAAAAAlI\/zeRi6EM0MQAuegfPl3kvicBUJansUFjcACLcBGAs\/s1600\/MH1.JPG\" alt=\"\" \/><\/td><\/tr><tr><td class=\"tr-caption\" style=\"text-align: center;\">Source EBA\/ACPR<\/td><\/tr><\/tbody><\/table><p>Les donn\u00e9es publi\u00e9es par l\u2019EBA indiquent \u00e9galement que le groupe Cr\u00e9dit Agricole est le seul qui a accru sa part de march\u00e9 au cours des 4 derni\u00e8res ann\u00e9es (2,2 pts) contrairement aux autres groupes bancaires, fran\u00e7ais comme \u00e9trangers.<\/p><table class=\"tr-caption-container\" style=\"margin-left: auto; margin-right: auto; text-align: center;\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\"><tbody><tr><td style=\"text-align: center;\"><img src=\"https:\/\/1.bp.blogspot.com\/-dPW0c4SnOIA\/XV6QRYcRUvI\/AAAAAAAAAlU\/ZGKaNwdgMqkO_tjzix2KMxPcEGyZLFiKACLcBGAs\/s1600\/MH2.JPG\" alt=\"\" \/><\/td><\/tr><tr><td class=\"tr-caption\" style=\"text-align: center;\">Source EBA\/ACPR<\/td><\/tr><\/tbody><\/table><p><span style=\"font-size: large;\">Bon investissement !\u00a0<\/span><br \/><span style=\"font-size: large;\"><strong><span style=\"color: #006fad;\">Monsieur Hugo<\/span><\/strong>,\u00a0<\/span><\/p><p><span style=\"font-size: large;\">Votre assistant personnel en gestion locative<\/span><\/p><p><strong><span style=\"font-size: large;\">Restons en contact !<\/span><\/strong><span style=\"font-size: large;\"><strong>\u00a0<\/strong><\/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>pour recevoir les derniers documents contractuels \u00e0 jour utiles pour la\u00a0<strong>gestion locative en ligne<\/strong>\u00a0(bail, \u00e9tat des lieux, mod\u00e8les de lettres, acte de caution solidaire...), je les mets \u00e0 jour r\u00e9guli\u00e8rement en fonction des \u00e9volutions r\u00e9glementaires.<br \/><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><p>Je vous sugg\u00e8re aussi :<\/p><p>>\u00a0<a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/09\/tous-les-diagnostics-immobiliers.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Tous les diagnostics immobiliers \u00e0 fournir au locataire lorsque vous mettez un bien en location<\/u><\/span><\/a><\/p><p>>\u00a0<a href=\"http:\/\/www.monsieurhugo.com\/blog\/2018\/02\/les-charges-locatives-et-moi.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Tout savoir sur les charges locatives !<\/u><\/span><\/a>\u00a0<\/p><p><span style=\"font-size: large;\">> <a href=\"http:\/\/www.monsieurhugo.com\/blog\/2018\/01\/guide-de-la-gestion-locative-monsieur-hugo.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Ce que vous devez savoir pour g\u00e9rer seul votre bien<\/u><\/span><\/a><\/span><\/p>","_et_gb_content_width":"","footnotes":""},"categories":[46],"tags":[],"class_list":["post-351975","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 v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le top 3 des banques qui pr\u00eatent ! - 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\/08\/22\/le-top-3-des-banques-qui-pretent\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le top 3 des banques qui pr\u00eatent ! - Monsieur Hugo\" \/>\n<meta property=\"og:description\" content=\"Cr\u00e9dit Agricole,\u00a0Banque Populaire \u2013 Caisse d\u2019Epargne (BPCE) et\u00a0Cr\u00e9dit Mutuel : voici le top 3 des banques qui ont le plus pr\u00eat\u00e9 pour l&#039;habitat en 2018. 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