{"id":1016,"date":"2012-01-18T11:00:40","date_gmt":"2012-01-18T10:00:40","guid":{"rendered":"http:\/\/www.mafuturemaison.fr\/dossier\/?p=1016"},"modified":"2015-09-02T12:36:34","modified_gmt":"2015-09-02T10:36:34","slug":"credit-immobilier-hausse-des-taux-prevue-en-2012","status":"publish","type":"post","link":"https:\/\/www.mafuturemaison.fr\/dossier\/financer\/credit-immobilier-hausse-des-taux-prevue-en-2012\/","title":{"rendered":"Cr\u00e9dit immobilier : hausse des taux pr\u00e9vue en 2012"},"content":{"rendered":"<p>Chiffres de janvier 2012 :<\/p>\n<p>TAUX MOYEN\u00a0: 3.93 % (taux nominal hors assurances et s\u00fbret\u00e9s)<\/p>\n<p>DUR\u00c9E MOYENNE DES PR\u00caTS\u00a0: 17,5 ans &#8211; 209 mois<\/p>\n<p>CO\u00dbT RELATIF MOYEN\u00a0: 3,78 ann\u00e9es de revenus<\/p>\n<p>Les<strong> taux d\u2019int\u00e9r\u00eat immobiliers<\/strong> pour le neuf (dont les <a href=\"http:\/\/www.mafuturemaison.fr\/annonce\/maison-neuve\" target=\"_blank\">op\u00e9rations terrains et maison<\/a>) ont augment\u00e9 en d\u00e9cembre 2011, passant de 3,86\u00a0% en novembre \u00e0 3,93\u00a0% en d\u00e9cembre, et poursuivant leur hausse quasiment constante depuis le mois de novembre 2010 (3,50\u00a0% en janvier 2011), selon les chiffres fournis par l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA, l&rsquo;organe central de garantie des <strong>pr\u00eats immobiliers<\/strong>.<\/p>\n<p>Les chiffres de d\u00e9cembre 2011 nous apprennent \u00e9galement que la dur\u00e9e moyenne des pr\u00eats diminue, apr\u00e8s une p\u00e9riode de stagnation de quelques mois\u00a0: en d\u00e9cembre 2011, il faut compter 209 mois pour la dur\u00e9e du remboursement, pour une moyenne de 216 mois au troisi\u00e8me trimestre 2011.<\/p>\n<p>Le co\u00fbt relatif des <strong>cr\u00e9dits<\/strong> immobiliers \u00e9volue de mani\u00e8re irr\u00e9guli\u00e8re depuis novembre 2010, pour atteindre 3,78 ann\u00e9es de revenus en d\u00e9cembre 2011. On observe globalement une tendance \u00e0 la baisse depuis juin 2011, avec un pourcentage d\u2019augmentation de 3,6 en 2011 contre 5,8\u00a0% en 2010.<\/p>\n<p>Par ailleurs, les chiffres du Cr\u00e9dit logement nous apprennent aussi que les revenus des emprunteurs augmentent plus vite qu&rsquo;auparavant, ce qui permet d\u2019expliquer en partie cette baisse relative. De la m\u00eame mani\u00e8re, le taux correspondant \u00e0 l\u2019apport personnel est \u00e9galement en hausse\u00a0: +\u00a011,8\u00a0% en 2011 contre +\u00a06,1\u00a0% en 2010.<\/p>\n<p><em>Source\u00a0: AFP\/ Cr\u00e9dit Logement<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chiffres de janvier 2012 : TAUX MOYEN\u00a0: 3.93 % (taux nominal hors assurances et s\u00fbret\u00e9s) DUR\u00c9E MOYENNE DES PR\u00caTS\u00a0: 17,5 ans &#8211; 209 mois CO\u00dbT RELATIF MOYEN\u00a0: 3,78 ann\u00e9es de revenus Les taux d\u2019int\u00e9r\u00eat immobiliers pour le neuf (dont les op\u00e9rations terrains et maison) ont augment\u00e9 en d\u00e9cembre 2011, passant de 3,86\u00a0% en novembre \u00e0 &hellip;<\/p>\n","protected":false},"author":1,"featured_media":1534,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,15,4],"tags":[110,228,116],"class_list":["post-1016","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-credit-immobilier","category-financer","tag-credit","tag-pret-immobilier","tag-taux-dinteret"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - 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