{"id":11434,"date":"2010-03-16T00:00:00","date_gmt":"2010-03-16T00:00:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/2010\/03\/16\/22eme-rapport-annuel-de-lobservatoire-des-credits-aux-menages-2009\/"},"modified":"2025-09-08T16:24:39","modified_gmt":"2025-09-08T14:24:39","slug":"22eme-rapport-annuel-de-lobservatoire-des-credits-aux-menages-2009","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/22eme-rapport-annuel-de-lobservatoire-des-credits-aux-menages-2009\/","title":{"rendered":"22\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>En 2009, le taux de d\u00e9tention des cr\u00e9dits s\u2019\u00e9tablit \u00e0 50,8 %. Dans le contexte de la crise ouverte en 2008, le recul tient pour l\u2019essentiel au moindre usage des cr\u00e9dits \u00e0 la consommation (recul du multiendettement et de la diffusion des cartes de magasin), alors que la diffusion des cr\u00e9dits immobiliers (dont l\u2019accession \u00e0 la propri\u00e9t\u00e9) n\u2019enregistre qu\u2019un repli mod\u00e9r\u00e9. Les m\u00e9nages envisagent maintenant de recourir plus largement au cr\u00e9dit immobilier. Fin 2009, 5,6 % d\u00e9claraient avoir l\u2019intention d\u2019en souscrire contre 4,8 % en 2008. Leurs intentions de recours au cr\u00e9dit \u00e0 la consommation restent cependant au plus bas (depuis la fin des ann\u00e9es 90): 4,4 % contre 4,6 % en 2008. Le rapport \u00e0 l\u2019endettement des m\u00e9nages s\u2019est un peu am\u00e9lior\u00e9 en 2009 : les conditions sp\u00e9cifiques \u00e0 l\u2019endettement se sont am\u00e9lior\u00e9es (taux, dur\u00e9e\u2026) et les m\u00e9nages consid\u00e8rent que leur situation financi\u00e8re s\u2019est stabilis\u00e9e.<\/strong><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">22\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2009 (version diaporama \u2013 mars 2010)<\/p><p class=\"postAttachment__fileSize\">261,2 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;22\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2009 (version diaporama \u2013 mars 2010)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"22\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2009 (version diaporama \u2013 mars 2010)\" href=\"https:\/\/fbf.fr\/uploads\/2022\/01\/Presentation-observatoire-credits-menages-resultats-complets-2009.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 22\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2009 (version diaporama \u2013 mars 2010)<\/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\">22\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2009 (version texte \u2013 mars 2010)<\/p><p class=\"postAttachment__fileSize\">298,3 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;22\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2009 (version texte \u2013 mars 2010)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"22\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2009 (version texte \u2013 mars 2010)\" href=\"https:\/\/fbf.fr\/uploads\/2022\/01\/Synthese-observatoire-credits-menages-resultats-complets-2009.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 22\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2009 (version texte \u2013 mars 2010)<\/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 16 mars 2010 les r\u00e9sultats du rapport annuel 2009 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":37647,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":9224,"viewed_at":"1778481718"},"categories":[3350,3320,3391],"tags":[3276,3273],"class_list":["post-11434","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>22\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)<\/title>\n<meta name=\"description\" content=\"Le professeur Mouillart a pr\u00e9sent\u00e9 le 16 mars 2010 les r\u00e9sultats du rapport annuel 2009 sur les comportements des Fran\u00e7ais \u00e0 l&#039;\u00e9gard du cr\u00e9dit \u00e0 la consommation et du cr\u00e9dit immobilier.\" \/>\n<meta name=\"robots\" content=\"index, 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