{"id":11211,"date":"2012-01-19T00:00:00","date_gmt":"2012-01-19T00:00:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/2012\/01\/19\/24eme-rapport-annuel-de-lobservatoire-des-credits-aux-menages-2011\/"},"modified":"2025-09-08T16:20:07","modified_gmt":"2025-09-08T14:20:07","slug":"24eme-rapport-annuel-de-lobservatoire-des-credits-aux-menages-2011","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/24eme-rapport-annuel-de-lobservatoire-des-credits-aux-menages-2011\/","title":{"rendered":"24\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Selon l\u2019Observatoire des cr\u00e9dits aux m\u00e9nages, pr\u00e8s de 13,8 millions de m\u00e9nages d\u00e9tenaient un cr\u00e9dit fin 2011, soit 49,4 % de l\u2019ensemble des m\u00e9nages (contre 49,5 % en 2010).<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les moins de 30 ans ont souscrit davantage de cr\u00e9dits en 2011<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">54,7 % des jeunes m\u00e9nages d\u00e9tenaient un cr\u00e9dit fin 2011 contre 51,1 % en 2010. Cette hausse s\u2019explique principalement par une remont\u00e9e sensible du recours au cr\u00e9dit \u00e0 la consommation pour financer surtout des biens d\u2019\u00e9quipement (voiture, moto, mobilier \u2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En immobilier, la proportion des moins de 30 ans qui acc\u00e8dent \u00e0 la propri\u00e9t\u00e9 n\u2019a cess\u00e9 de progresser depuis les ann\u00e9es 90, s\u2019\u00e9tablissant \u00e0 21 % en 2011 contre 12 % en moyenne entre 1992 et 2002. C\u2019est un des effets de la r\u00e9forme du pr\u00eat \u00e0 taux z\u00e9ro de janvier 2005 (ouverture du PTZ \u00e0 l\u2019achat de logement ancien sans travaux). La nouvelle r\u00e9forme du dispositif vot\u00e9e fin 2011 qui a notamment supprim\u00e9 cette aide pour l\u2019ancien, a engendr\u00e9 une acc\u00e9l\u00e9ration de production en fin d\u2019ann\u00e9e 2011.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019activit\u00e9 marque le pas au d\u00e9but de l\u2019ann\u00e9e 2012<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les anticipations de demande de cr\u00e9dit fin 2011, au plus bas historique de l\u2019OCM, se sont confirm\u00e9es au premier trimestre 2012. La demande reste h\u00e9sitante, et les projets sont souvent report\u00e9s ou revus \u00e0 la baisse. On enregistre donc une baisse d\u2019activit\u00e9, plus marqu\u00e9e pour les cr\u00e9dits immobiliers en ce d\u00e9but d\u2019ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le professeur Mouillart a pr\u00e9sent\u00e9 le 19 janvier 2012 les r\u00e9sultats du rapport annuel 2011 sur les comportements des Fran\u00e7ais \u00e0 l&rsquo;\u00e9gard du cr\u00e9dit \u00e0 la consommation et du cr\u00e9dit immobilier.<\/strong><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">24\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2011 (version diaporama \u2013 janvier 2012)<\/p><p class=\"postAttachment__fileSize\">201,4 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;24\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2011 (version diaporama \u2013 janvier 2012)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"24\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2011 (version diaporama \u2013 janvier 2012)\" href=\"https:\/\/fbf.fr\/uploads\/2022\/01\/Presentation-observatoire-credits-menages-resultats-partiels-2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 24\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2011 (version diaporama \u2013 janvier 2012)<\/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\">24\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2011 (version texte \u2013 janvier 2012)<\/p><p class=\"postAttachment__fileSize\">76,3 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;24\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2011 (version texte \u2013 janvier 2012)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"24\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2011 (version texte \u2013 janvier 2012)\" href=\"https:\/\/fbf.fr\/uploads\/2022\/01\/Synthese-observatoire-credits-menages-resultats_partiels_2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 24\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2011 (version texte \u2013 janvier 2012)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Le professeur Mouillart a pr\u00e9sent\u00e9 le 19 janvier 2012 les r\u00e9sultats du rapport annuel 2011 sur les comportements des Fran\u00e7ais \u00e0 l&rsquo;\u00e9gard du cr\u00e9dit \u00e0 la consommation et du cr\u00e9dit immobilier.<\/p>\n","protected":false},"author":36,"featured_media":37638,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":10249,"viewed_at":"1778470074"},"categories":[3350,3320,3391],"tags":[3276,3273],"class_list":["post-11211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credits","category-rubrique-etudes-et-chiffres-cles","category-observatoire-des-credits-aux-menages","tag-credits","tag-particuliers"],"yoast_head":"<title>24\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)<\/title>\n<meta name=\"description\" content=\"Selon l\u2019Observatoire des cr\u00e9dits aux m\u00e9nages, pr\u00e8s de 13,8 millions de m\u00e9nages d\u00e9tenaient un cr\u00e9dit fin 2011, soit 49,4 % de l\u2019ensemble des m\u00e9nages (contre 49,5 % en 2010).\" \/>\n<meta name=\"robots\" content=\"index, follow, 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