{"id":6927,"date":"2021-08-15T09:52:02","date_gmt":"2021-08-15T07:52:02","guid":{"rendered":"https:\/\/natureetresidencevillage.com\/?p=6927"},"modified":"2023-11-23T11:24:29","modified_gmt":"2023-11-23T10:24:29","slug":"credit-immobilier-quelles-sont-les-craintes-des-acquereurs","status":"publish","type":"post","link":"https:\/\/natureetresidencevillage.com\/en\/blog\/credit\/credit-immobilier-quelles-sont-les-craintes-des-acquereurs\/","title":{"rendered":"Cr\u00e9dit immobilier : quelles sont les craintes des acqu\u00e9reurs ?"},"content":{"rendered":"

M\u00eame si la campagne vaccinale est en pleine progression, le sentiment d\u2019inqui\u00e9tude<\/strong> qui impr\u00e8gne de nombreux secteurs ne s\u2019est pas pour autant dissip\u00e9. Le market<\/strong> of real estate,<\/strong> connu pourtant pour sa r\u00e9silience y compris au plus fort de la crise, n\u2019\u00e9chappe pas \u00e0 la r\u00e8gle. Les acqu\u00e9reurs, notamment, qui restent motiv\u00e9s<\/strong> pour de nouveaux achats, doivent composer avec les difficult\u00e9s engendr\u00e9es par les diff\u00e9rentes restrictions sanitaires.<\/strong> Quelles sont leurs principales pr\u00e9occupations\u00a0? Quel est l\u2019\u00e9tat actuel du market<\/strong> of the real estate loans<\/strong>\u00a0? Nous faisons le point avec Ludovic Huzieux, co-fondateur d\u2019Art\u00e9mis courtage.<\/p>\n

<\/p>\n

L\u2019\u00e9volution des taux et des conditions d\u2019octroi des cr\u00e9dits<\/h2>\n

M\u00eame si l\u2019on n\u2019en pas encore fini avec la crise sanitaire, on peut d\u2019ores et d\u00e9j\u00e0 notice<\/strong> que le market<\/strong> of the cr\u00e9dits renoue<\/strong> peu \u00e0 peu avec sa dynamique d\u2019avant la pand\u00e9mique. Nos partenaires bancaires acceptent \u00e0 nouveau, certes de mani\u00e8re progressive, d\u2019examiner de nouvelles demandes<\/strong> of real estate credit.<\/strong> L\u2019on constate en m\u00eame temps que les pr\u00e9occupations des acqu\u00e9reurs \u00e9voluent, comme en t\u00e9moigne notre derni\u00e8re \u00e9tude r\u00e9alis\u00e9e en collaboration avec OpinionWay indiquant que 74\u00a0% des Fran\u00e7ais anticipent<\/strong> une probable rise<\/strong> of the rate<\/strong> of real estate credit.<\/strong><\/p>\n

\"Cr\u00e9dit<\/p>\n

Si les acqu\u00e9reurs s\u2019attendent \u00e0 ces que les \u00e9tablissements bancaires revoient<\/strong> their rate<\/strong> to the rise,<\/strong> c\u2019est parce que ces derniers l\u2019ont d\u00e9j\u00e0 fait dans un pass\u00e9 r\u00e9cent. En l\u2019occurrence, en avril\u00a02020, on a constat\u00e9 une hausse des taux de l\u2019ordre de 0.15 \u00e0 0.50\u00a0%, ind\u00e9pendamment des profils des acqu\u00e9reurs ou des types<\/strong>\u00a0of property<\/strong> pour lesquels ces derniers demandent un cr\u00e9dit \u2013 r\u00e9sidence principale, r\u00e9sidence secondaire<\/strong> ou bien locatif. Les banques expliquent leur d\u00e9cision notamment par la hausse de l\u2019obligation assimilable<\/strong> at tr\u00e9sor,<\/strong> ou OAT, \u00e0 dix ans, passant de -0.30 \u00e0 +0.10\u00a0%.<\/p>\n

Les Fran\u00e7ais craignent<\/strong> \u00e9galement que les conditions d\u2019obtention<\/strong> of credit<\/strong> se durcissent apr\u00e8s le confinement. Selon notre \u00e9tude, 81\u00a0% des personnes interrog\u00e9es redoutent<\/strong> en effet que les banques deviennent plus exigeantes pour accorder des pr\u00eats et 77\u00a0% d\u2019entre elles pensent que les time limit<\/strong> for the obtenir<\/strong> vont s\u2019allonger.<\/strong><\/p>\n

Il est important de rappeler que le durcissement<\/strong> of the conditions d\u2019octroi<\/strong> of the credits<\/strong> a commenc\u00e9 bien\u00a0 avant la crise sanitaire. Les banques ont suivi les recommandations du Haut Conseil de la stabilit\u00e9 financi\u00e8re de 2019, selon lesquelles ces establishments<\/strong> devraient faire preuve de caution<\/strong> dans l\u2019octroi des cr\u00e9dits\u00a0: ces derniers ne devraient \u00eatre accord\u00e9s qu\u2019\u00e0 des m\u00e9nages dont le debt ratio<\/strong> ne d\u00e9passe pas 33\u00a0%. Le HCSF pr\u00e9conisait en outre la fin<\/strong> of the distribution<\/strong> of loans<\/strong> s\u2019\u00e9talant sur plus de vingt-ans.<\/p>\n

Avec l\u2019application de ces recommandations, nombreux sont les m\u00e9nages qui se sont vu refuser<\/strong> leur demande de funding.<\/strong> D\u00e8s lors, un climat s\u2019est install\u00e9, ce qui a conduit l\u2019Association professionnelle des interm\u00e9diaires en cr\u00e9dits, ou APIC,<\/strong> de demander au HCSH un moratoire sur lesdites pr\u00e9conisations, le temps d\u2019avoir toutes les donn\u00e9es sur les acteurs du accommodation<\/strong> mais aussi d\u2019\u00e9tudier les mesures \u00e0 mettre en \u0153uvre pour faciliter<\/strong> the reprise<\/strong> of the activity<\/strong> dans la perspective d\u2019une exit<\/strong> of crisis.<\/strong><\/p>\n

La baisse des taux d\u2019usure devient probl\u00e9matique dans certains dossier<\/h2>\n

Les banques sont tenues d\u2019appliquer<\/strong> of the taux minimum<\/strong> quand elles examinent des demandes<\/strong> of funding.<\/strong> Plusieurs param\u00e8tres entrent en ligne de compte pour l\u2019application de ces taux, notamment le taux d\u2019int\u00e9r\u00eat nominal<\/strong> mais aussi l\u2019assurance d\u00e9c\u00e8s-invalidit\u00e9, la guarantee<\/strong> of credit<\/strong> ou encore les costs<\/strong> of files<\/strong> and of brokerage.<\/strong> La Banque de France publique chaque trimestre les wear rate<\/strong> qui s\u2019imposent aux \u00e9tablissements bancaires<\/strong>\u00a0; elle porte aussi \u00e0 la connaissance du public les taux effectifs<\/strong> moyens pratiqu\u00e9s par les banques.<\/p>\n

On observe depuis le 1st<\/sup> avril\u00a02020 une drop<\/strong> of the taux d\u2019usure.<\/strong> Ils sont par exemple \u00e0 2.40\u00a0% pour les pr\u00eats fixes compris entre dix et vingt ans, et \u00e0 2.51\u00a0% pour les cr\u00e9dits remboursables sur vingt ou plus. Ils sont, en somme, assez faibles.<\/p>\n

La baisse des taux d\u2019usure est probl\u00e9matique<\/strong> dans le traitement de certains dossiers, rendant m\u00eame certains candidats in\u00e9ligibles<\/strong> malgr\u00e9 leur solvabilit\u00e9.<\/strong> Parmi les cas les plus fr\u00e9quents, on retrouve notamment les emprunteurs qui se voient appliquer un taux d\u2019assurance d\u00e9c\u00e8s-invalidit\u00e9<\/strong> particuli\u00e8rement \u00e9lev\u00e9, \u00e0 l\u2019image des seniors. C\u2019est \u00e9galement le cas des acqu\u00e9reurs qui, pour avoir d\u00e9clar\u00e9 avoir un probl\u00e8me de sant\u00e9, doivent fulfill<\/strong> of a surprime.<\/strong> Sans oublier ceux qui, en raison des risques li\u00e9s \u00e0 leurs m\u00e9tiers (pompiers, militaires\u2026) paient une assurance plus cher<\/strong> que les autres.<\/p>\n

En cas de promesse de vente, les d\u00e9lais de promesse de vente continue de courir normalement<\/h2>\n

En pleine crise sanitaire, certaines disposition l\u00e9gislatives<\/strong> or r\u00e9glementaires<\/strong> passent presque inaper\u00e7ues quand bien m\u00eame elles auraient des incidences non n\u00e9gligeables<\/strong> au quotidien. C\u2019est le cas entre autres de l\u2019ordonnance du 15 avril\u00a02020 qui apporte une modification sur les time limit<\/strong> of r\u00e9tractation<\/strong> suite \u00e0 la signature d\u2019une promesse<\/strong> of sale.<\/strong> Le texte pr\u00e9voit notamment que lesdits d\u00e9lais continuent de courir normalement. En r\u00e9alit\u00e9, il revient sur une autre ordonnance qui, elle, rallongeait les d\u00e9lais de r\u00e9tractation<\/strong> or d\u2019instruction<\/strong> of the demandes d\u2019urbanisme.<\/strong> La nouvelle ordonnance revenait en somme au statu\u00a0quo.<\/p>","protected":false},"excerpt":{"rendered":"

M\u00eame si la campagne vaccinale est en pleine progression, le sentiment d\u2019inqui\u00e9tude qui impr\u00e8gne de nombreux secteurs ne s\u2019est pas pour autant dissip\u00e9. Le march\u00e9 de l\u2019immobilier, connu pourtant pour sa r\u00e9silience y compris au plus fort de la crise, n\u2019\u00e9chappe pas \u00e0 la r\u00e8gle. Les acqu\u00e9reurs, notamment, qui restent motiv\u00e9s pour de nouveaux achats, … Read more<\/a><\/p>","protected":false},"author":6,"featured_media":6992,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[268],"class_list":["post-6927","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-credit-immobilier"],"acf":[],"yoast_head":"\nQue craignent les acqu\u00e9reurs pour leur cr\u00e9dit immobilier ?<\/title>\n<meta name=\"description\" content=\"Les acqu\u00e9reurs ont de nombreuses craintes justifi\u00e9es concernant leur cr\u00e9dit immobilier, nous vous en avons synth\u00e9tis\u00e9 les principales.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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