{"id":10555,"date":"2016-12-15T00:00:00","date_gmt":"2016-12-15T00:00:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/2016\/12\/15\/credit-immobilier-un-marche-dynamique-aux-conditions-favorables\/"},"modified":"2021-10-27T12:35:43","modified_gmt":"2021-10-27T10:35:43","slug":"credit-immobilier-un-marche-dynamique-aux-conditions-favorables","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/credit-immobilier-un-marche-dynamique-aux-conditions-favorables\/","title":{"rendered":"Cr\u00e9dit Immobilier : un march\u00e9 dynamique aux conditions favorables"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Les banques financent efficacement les projets des fran\u00e7ais<\/strong>.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2016, la dynamique des cr\u00e9dits aux m\u00e9nages s&rsquo;est acc\u00e9l\u00e9r\u00e9 \u00e0 +4% sur un an \u00e0 fin octobre.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-context=\"{&quot;closeLabel&quot;:&quot;Fermer&quot;}\" data-wp-interactive=\"fbf-theme\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"648\" height=\"464\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/fbf.fr\/uploads\/2021\/06\/image-65.png\" alt=\"\" class=\"wp-image-23922\" srcset=\"https:\/\/fbf.fr\/uploads\/2021\/06\/image-65.png 648w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-65-300x215.png 300w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-65-80x57.png 80w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-65-419x300.png 419w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-65-349x250.png 349w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-65-70x50.png 70w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-65-550x394.png 550w\" sizes=\"auto, (max-width: 648px) 100vw, 648px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La moiti\u00e9 des cr\u00e9dits accord\u00e9s par les banques sont destin\u00e9s aux m\u00e9nages et \u00e0 leurs projets d&rsquo;achat de logement ou de consommation. C&rsquo;est ainsi plus de 22 milliards&nbsp;\u20ac&nbsp;par mois de nouveaux cr\u00e9dits, pour un encours total de 1 082 milliards&nbsp;\u20ac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le cr\u00e9dit immobilier augmente lui aussi de 4% sur un an \u00e0 fin octobre pour atteindre un encours de 888 milliards&nbsp;\u20ac.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-context=\"{&quot;closeLabel&quot;:&quot;Fermer&quot;}\" data-wp-interactive=\"fbf-theme\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"604\" height=\"444\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/fbf.fr\/uploads\/2021\/06\/image-66.png\" alt=\"\" class=\"wp-image-23923\" srcset=\"https:\/\/fbf.fr\/uploads\/2021\/06\/image-66.png 604w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-66-300x221.png 300w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-66-80x59.png 80w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-66-408x300.png 408w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-66-340x250.png 340w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-66-68x50.png 68w, https:\/\/fbf.fr\/uploads\/2021\/06\/image-66-550x404.png 550w\" sizes=\"auto, (max-width: 604px) 100vw, 604px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La dynamique du march\u00e9 du cr\u00e9dit immobilier s&rsquo;explique par des conditions d&rsquo;acc\u00e8s tr\u00e8s favorable pour les m\u00e9nages. Les taux sont historiquement bas ; ils sont pass\u00e9s de 4,8% en 2008 \u00e0 1,9% en 2016 pour une dur\u00e9e de 20 ans. S&rsquo;ajoute cela une tr\u00e8s faible augmentation des prix de l&rsquo;immobilier (+1%). Ainsi les m\u00e9nages fran\u00e7ais, en 8 ans, ont gagn\u00e9 29% de pouvoir d&rsquo;achat (<a href=\"https:\/\/fbf.fr\/fr\/depuis-2008-les-menages-francais-ont-gagne-29-de-pouvoir-dachat-immobilier\/\">Voir l&rsquo;article consacr\u00e9 au cr\u00e9dit immobilier du 14\/12\/2016<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le syst\u00e8me financement de l&rsquo;habitat en France est sain et solide :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>9 pr\u00eats sur 10 sont \u00e0 taux fixes, ce qui donne une meilleure visibilit\u00e9 \u00e0 l&#8217;emprunteur.<\/li><li>Les banques font du cr\u00e9dit responsable: c&rsquo;est l&rsquo;\u00e9valuation de la capacit\u00e9 de remboursement de l&#8217;emprunteur qui conditionne l&rsquo;octroi d&rsquo;un cr\u00e9dit.<\/li><li>Des garanties qui s\u00e9curisent l&#8217;emprunteur : le cautionnement et l&rsquo;assurance emprunteur<\/li><li>Un taux de sinistralit\u00e9 tr\u00e8s faible<\/li><\/ul>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Le financement des particuliers &#8211; d\u00e9cembre 2016<\/p><p class=\"postAttachment__fileSize\">947,3 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;Le financement des particuliers - d\u00e9cembre 2016&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Le financement des particuliers - d\u00e9cembre 2016\" href=\"https:\/\/fbf.fr\/uploads\/2021\/06\/Le-financement-des-particuliers-decembre-2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Le financement des particuliers &#8211; d\u00e9cembre 2016<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Les banques financent efficacement les projets des fran\u00e7ais<\/p>\n","protected":false},"author":36,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":6261,"viewed_at":"1778068414"},"categories":[3397,3350,3320,3348,1603],"tags":[3276,3272,3273],"class_list":["post-10555","post","type-post","status-publish","format-standard","hentry","category-chiffres-cles","category-credits","category-rubrique-etudes-et-chiffres-cles","category-industrie-bancaire-francaise","category-la-banque-des-particuliers","tag-credits","tag-industrie-bancaire-francaise","tag-particuliers"],"yoast_head":"<title>Cr\u00e9dit Immobilier : un march\u00e9 dynamique aux conditions favorables<\/title>\n<meta name=\"description\" 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