{"id":12897,"date":"2020-01-29T00:00:00","date_gmt":"2020-01-28T22:00:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/communique_de_presse\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-nette-amelioration-du-sentiment-des-menages-sur-leur-situation-financiere-et-budgetaire\/"},"modified":"2025-09-04T15:06:41","modified_gmt":"2025-09-04T13:06:41","slug":"32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-nette-amelioration-du-sentiment-des-menages-sur-leur-situation-financiere-et-budgetaire","status":"publish","type":"communique_de_presse","link":"https:\/\/fbf.fr\/fr\/communique_de_presse\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-nette-amelioration-du-sentiment-des-menages-sur-leur-situation-financiere-et-budgetaire\/","title":{"rendered":"32\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) : nette am\u00e9lioration du sentiment des m\u00e9nages sur leur situation financi\u00e8re et budg\u00e9taire"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Selon le dernier rapport de l\u2019OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages<sup>1<\/sup>&nbsp;, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule l\u00e9g\u00e8rement en 2019. Il s\u2019\u00e9tablit \u00e0 47,4%, apr\u00e8s s\u2019\u00eatre stabilis\u00e9 \u00e0 47,8 % en 2018. Toutefois, le sentiment d\u2019une nette am\u00e9lioration de leur situation financi\u00e8re et budg\u00e9taire laisse pr\u00e9sager un redressement des intentions de cr\u00e9dits immobiliers pour 2020. Le taux de d\u00e9tention des cr\u00e9dits immobiliers reste sur des niveaux \u00e9lev\u00e9s.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sous l&rsquo;effet du dynamisme de la production des \u00e9tablissements de cr\u00e9dit et gr\u00e2ce \u00e0 des conditions d&rsquo;acc\u00e8s au cr\u00e9dit qui n&rsquo;ont jamais \u00e9t\u00e9 aussi bonnes, le taux de d\u00e9tention des cr\u00e9dits immobiliers reste sur les niveaux les plus \u00e9lev\u00e9s observ\u00e9s depuis le d\u00e9but des ann\u00e9es 2000. Il s&rsquo;\u00e9tablit \u00e0 31,1% en 2019 (contre 31,4% en 2018). La part des m\u00e9nages qui acc\u00e8de \u00e0 la propri\u00e9t\u00e9 reste elle aussi stable en 2019, \u00e0 23,6%, l&rsquo;un des niveaux les plus \u00e9lev\u00e9s observ\u00e9s depuis 25 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Un recul mod\u00e9r\u00e9 des d\u00e9tentions de cr\u00e9dits \u00e0 la consommation<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2019, si la production de cr\u00e9dits n&rsquo;a pas fl\u00e9chi, le repli de la d\u00e9tention de cr\u00e9dits \u00e0 la consommation obtenus aupr\u00e8s de la famille et des amis accompagne un nouveau recul des cartes de cr\u00e9dit. Le taux global de d\u00e9tention de cr\u00e9dits \u00e0 la consommation s&rsquo;\u00e9rode, pour descendre \u00e0 26,5% (26,8 % en 2018). Mais ce recul reste mod\u00e9r\u00e9 par rapport \u00e0 celui qui s&rsquo;\u00e9tait constat\u00e9 durant les ann\u00e9es 2014 \u00e0 2016.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Un redressement des intentions de cr\u00e9dits immobiliers qui traduit l<\/strong><strong>&lsquo;<\/strong><strong>am\u00e9lioration de la situation financi\u00e8re et budg\u00e9taire ressentie par les m\u00e9nages<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2019, les m\u00e9nages estiment que leur situation financi\u00e8re et budg\u00e9taire s&rsquo;am\u00e9liore : ils sont 86% \u00e0 dire que le poids des charges de remboursement de leurs cr\u00e9dits est dans l&rsquo;ensemble supportable. Combin\u00e9e \u00e0 des conditions de cr\u00e9dit attractives, les intentions de souscription \u00e0 de nouveaux cr\u00e9dits immobiliers se renforcent : \u00e0 fin 2019, la part des m\u00e9nages concern\u00e9s rebondit, pour s&rsquo;\u00e9tablir \u00e0 4,9 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>1<\/sup>&nbsp;L&rsquo;enqu\u00eate a \u00e9t\u00e9 r\u00e9alis\u00e9e par voie postale en novembre 2019 aupr\u00e8s d&rsquo;un \u00e9chantillon repr\u00e9sentatif de 13 000 m\u00e9nages. 10 033 ont r\u00e9pondu dans les d\u00e9lais (77,2 %).<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">FBF Communiqu\u00e9 de presse &#8211; 32\u00e8me \u00e9dition de l&#039;Observatoire des cr\u00e9dits aux m\u00e9nages<\/p><p class=\"postAttachment__fileSize\">56,7 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;FBF Communiqu\u00e9 de presse - 32\u00e8me \u00e9dition de l\\u0027Observatoire des cr\u00e9dits aux m\u00e9nages&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"FBF Communiqu\u00e9 de presse - 32\u00e8me \u00e9dition de l&#039;Observatoire des cr\u00e9dits aux m\u00e9nages\" href=\"https:\/\/fbf.fr\/uploads\/2020\/12\/FBF-Communique-de-presse-32eme-edition-de-lObservatoire-des-Credits-aux-Menages.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger FBF Communiqu\u00e9 de presse &#8211; 32\u00e8me \u00e9dition de l&#039;Observatoire des cr\u00e9dits aux m\u00e9nages<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Tableau de bord (diaporama) 32\u00e8me \u00e9dition de l&#039;Observatoire des cr\u00e9dits aux m\u00e9nages &#8211; janvier 2020<\/p><p class=\"postAttachment__fileSize\">433,2 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Tableau de bord (diaporama) 32\u00e8me \u00e9dition de l\\u0027Observatoire des cr\u00e9dits aux m\u00e9nages - janvier 2020&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Tableau de bord (diaporama) 32\u00e8me \u00e9dition de l&#039;Observatoire des cr\u00e9dits aux m\u00e9nages - janvier 2020\" href=\"https:\/\/fbf.fr\/uploads\/2020\/12\/Tableau-de-bord-diaporama-32eme-edition-de-lObservatoire-des-Credits-aux-Menages-Janvier-2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Tableau de bord (diaporama) 32\u00e8me \u00e9dition de l&#039;Observatoire des cr\u00e9dits aux m\u00e9nages &#8211; janvier 2020<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Tableau de bord (texte) 32\u00e8me \u00e9dition de l&#039;Observatoire des cr\u00e9dits aux m\u00e9nages &#8211; janvier 2020<\/p><p class=\"postAttachment__fileSize\">160,3 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Tableau de bord (texte) 32\u00e8me \u00e9dition de l\\u0027Observatoire des cr\u00e9dits aux m\u00e9nages - janvier 2020&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Tableau de bord (texte) 32\u00e8me \u00e9dition de l&#039;Observatoire des cr\u00e9dits aux m\u00e9nages - janvier 2020\" href=\"https:\/\/fbf.fr\/uploads\/2020\/12\/Tableau-de-bord-texte-32eme-edition-de-lObservatoire-des-Credits-aux-Menages-Janvier-2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Tableau de bord (texte) 32\u00e8me \u00e9dition de l&#039;Observatoire des cr\u00e9dits aux m\u00e9nages &#8211; janvier 2020<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n<div class=\"author\"><div class=\"author__wrapper\"><img decoding=\"async\" class=\"author__portrait\" src=\"https:\/\/fbf.fr\/uploads\/2020\/09\/1578231572559.jpg\" alt=\"\"><p class=\"author__name\">Beno\u00eet DANTON<\/p><p class=\"author__contact\">bdanton@fbf.fr<\/p><p class=\"author__contact\">06.73.48.80.40<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Selon le dernier rapport de l\u2019OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages1, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule l\u00e9g\u00e8rement en 2019. Il s\u2019\u00e9tablit \u00e0 47,4%, apr\u00e8s s\u2019\u00eatre stabilis\u00e9 \u00e0 47,8 % en 2018. Toutefois, le sentiment d\u2019une nette am\u00e9lioration de leur situation financi\u00e8re et budg\u00e9taire laisse pr\u00e9sager un redressement des intentions de cr\u00e9dits immobiliers pour 2020. Le taux de d\u00e9tention des cr\u00e9dits immobiliers reste sur des niveaux \u00e9lev\u00e9s.<\/p>\n","protected":false},"author":36,"featured_media":29192,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","views":17719,"viewed_at":"1778494577"},"categories":[1707,3350,1582,1603],"tags":[3276,3273],"class_list":["post-12897","communique_de_presse","type-communique_de_presse","status-publish","has-post-thumbnail","hentry","category-communiques","category-credits","category-rubrique-newsroom","category-la-banque-des-particuliers","tag-credits","tag-particuliers"],"yoast_head":"<title>32\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) : nette am\u00e9lioration du sentiment des m\u00e9nages sur leur situation financi\u00e8re et budg\u00e9taire<\/title>\n<meta name=\"description\" content=\"Selon le dernier rapport de l\u2019OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule l\u00e9g\u00e8rement en 2019.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fbf.fr\/fr\/communique_de_presse\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-nette-amelioration-du-sentiment-des-menages-sur-leur-situation-financiere-et-budgetaire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"32\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) : nette am\u00e9lioration du sentiment des m\u00e9nages sur leur situation financi\u00e8re et budg\u00e9taire\" \/>\n<meta property=\"og:description\" content=\"Selon le dernier rapport de l\u2019OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages, le taux 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