{"id":37511,"date":"2025-02-12T02:30:23","date_gmt":"2025-02-12T00:30:23","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=37511"},"modified":"2026-03-02T15:41:58","modified_gmt":"2026-03-02T13:41:58","slug":"37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","title":{"rendered":"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Selon le dernier rapport de l\u2019OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2024 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule pour la sixi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 41,9%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. Ce rapport apporte chaque ann\u00e9e, depuis plus de 30 ans, un \u00e9clairage sur la situation des m\u00e9nages faisant appel au cr\u00e9dit, mais aussi sur leur perception de leur situation financi\u00e8re et leurs intentions de souscrire des cr\u00e9dits dans les six mois suivants.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Version interm\u00e9diaire du rapport :<\/strong><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version diaporama \u2013 synth\u00e8se au 12 f\u00e9vrier 2025)<\/p><p class=\"postAttachment__fileSize\">404,0 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;37\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version diaporama \u2013 synth\u00e8se au 12 f\u00e9vrier 2025)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version diaporama \u2013 synth\u00e8se au 12 f\u00e9vrier 2025)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-Tableau-de-bord-diaporama-Fevrier-2025.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version diaporama \u2013 synth\u00e8se au 12 f\u00e9vrier 2025)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version texte \u2013 synth\u00e8se au 12 f\u00e9vrier 2025)<\/p><p class=\"postAttachment__fileSize\">468,0 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;37\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version texte \u2013 synth\u00e8se au 12 f\u00e9vrier 2025)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version texte \u2013 synth\u00e8se au 12 f\u00e9vrier 2025)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-Tableau-de-bord-texte-Fevrier-2025.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version texte \u2013 synth\u00e8se au 12 f\u00e9vrier 2025)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong>Version finalis\u00e9e du rapport :<\/strong><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version diaporama \u2013 Mise \u00e0 jour : avril 2025)<\/p><p class=\"postAttachment__fileSize\">518,6 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;37\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version diaporama \u2013 Mise \u00e0 jour : avril 2025)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version diaporama \u2013 Mise \u00e0 jour : avril 2025)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-presentation-avril2025-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version diaporama \u2013 Mise \u00e0 jour : avril 2025)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version texte \u2013 Mise \u00e0 jour : avril 2025)<\/p><p class=\"postAttachment__fileSize\">1,2 Mo<\/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;37\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version texte \u2013 Mise \u00e0 jour : avril 2025)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version texte \u2013 Mise \u00e0 jour : avril 2025)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/Rapport-2025-avril-2025-1-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 37\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2024 (version texte \u2013 Mise \u00e0 jour : avril 2025)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Selon le dernier rapport de l\u2019OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2024 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule pour la sixi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 41,9%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. Ce rapport [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":37512,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":3391,"viewed_at":"1778481249"},"categories":[3350,3320,3321,3391,1603],"tags":[3276,3273],"class_list":["post-37511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credits","category-rubrique-etudes-et-chiffres-cles","category-mots-cles","category-observatoire-des-credits-aux-menages","category-la-banque-des-particuliers","tag-credits","tag-particuliers"],"yoast_head":"<title>37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - Observatoire des cr\u00e9dits aux m\u00e9nages - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)<\/title>\n<meta name=\"description\" content=\"Selon le dernier rapport de l&#039;OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2024 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule pour la sixi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 41,9%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. Ce rapport apporte chaque ann\u00e9e, depuis plus de 30 ans, un \u00e9clairage sur la situation des m\u00e9nages faisant appel au cr\u00e9dit, mais aussi sur leur perception de leur situation financi\u00e8re et leurs intentions de souscrire des cr\u00e9dits dans les six mois suivants.\" \/>\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\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - Observatoire des cr\u00e9dits aux m\u00e9nages - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)\" \/>\n<meta property=\"og:description\" content=\"Selon le dernier rapport de l&#039;OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2024 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule pour la sixi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 41,9%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. Ce rapport apporte chaque ann\u00e9e, depuis plus de 30 ans, un \u00e9clairage sur la situation des m\u00e9nages faisant appel au cr\u00e9dit, mais aussi sur leur perception de leur situation financi\u00e8re et leurs intentions de souscrire des cr\u00e9dits dans les six mois suivants.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/\" \/>\n<meta property=\"og:site_name\" content=\"F\u00e9d\u00e9ration bancaire fran\u00e7aise\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-12T00:30:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-02T13:41:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fbf.fr\/uploads\/2025\/09\/GettyImages-1267342393.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"335\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"jrho\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jrho\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\"},\"author\":{\"name\":\"jrho\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/person\\\/5d3a07ec198e2518a63fbe4b95ef4884\"},\"headline\":\"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)\",\"datePublished\":\"2025-02-12T00:30:23+00:00\",\"dateModified\":\"2026-03-02T13:41:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\"},\"wordCount\":131,\"publisher\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2025\\\/09\\\/GettyImages-1267342393.jpg\",\"keywords\":[\"Cr\u00e9dits\",\"Particuliers\"],\"articleSection\":[\"Cr\u00e9dits\",\"Etudes et chiffres cl\u00e9s\",\"Mots-cl\u00e9s\",\"Observatoire des cr\u00e9dits aux m\u00e9nages\",\"Particuliers\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\",\"name\":\"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - Observatoire des cr\u00e9dits aux m\u00e9nages - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2025\\\/09\\\/GettyImages-1267342393.jpg\",\"datePublished\":\"2025-02-12T00:30:23+00:00\",\"dateModified\":\"2026-03-02T13:41:58+00:00\",\"description\":\"Selon le dernier rapport de l'OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2024 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule pour la sixi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 41,9%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. Ce rapport apporte chaque ann\u00e9e, depuis plus de 30 ans, un \u00e9clairage sur la situation des m\u00e9nages faisant appel au cr\u00e9dit, mais aussi sur leur perception de leur situation financi\u00e8re et leurs intentions de souscrire des cr\u00e9dits dans les six mois suivants.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#primaryimage\",\"url\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2025\\\/09\\\/GettyImages-1267342393.jpg\",\"contentUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2025\\\/09\\\/GettyImages-1267342393.jpg\",\"width\":500,\"height\":335},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/\",\"name\":\"F\u00e9d\u00e9ration bancaire fran\u00e7aise\",\"description\":\"La F\u00e9d\u00e9ration bancaire fran\u00e7aise, l&#039;organisme professionnel qui repr\u00e9sente toutes les banques install\u00e9es en France.\",\"publisher\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\",\"name\":\"F\u00e9d\u00e9ration bancaire fran\u00e7aise\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2026\\\/06\\\/cropped-FBF_150-90-2-3.png\",\"contentUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2026\\\/06\\\/cropped-FBF_150-90-2-3.png\",\"width\":150,\"height\":90,\"caption\":\"F\u00e9d\u00e9ration bancaire fran\u00e7aise\"},\"image\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/person\\\/5d3a07ec198e2518a63fbe4b95ef4884\",\"name\":\"jrho\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ce18d77d0c5d7f8483d30ce113ef8a3c60603c91c0a8ac7ea961c54d91fff172?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ce18d77d0c5d7f8483d30ce113ef8a3c60603c91c0a8ac7ea961c54d91fff172?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ce18d77d0c5d7f8483d30ce113ef8a3c60603c91c0a8ac7ea961c54d91fff172?s=96&d=mm&r=g\",\"caption\":\"jrho\"}}]}<\/script>","yoast_head_json":{"title":"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - Observatoire des cr\u00e9dits aux m\u00e9nages - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)","description":"Selon le dernier rapport de l'OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2024 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule pour la sixi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 41,9%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. Ce rapport apporte chaque ann\u00e9e, depuis plus de 30 ans, un \u00e9clairage sur la situation des m\u00e9nages faisant appel au cr\u00e9dit, mais aussi sur leur perception de leur situation financi\u00e8re et leurs intentions de souscrire des cr\u00e9dits dans les six mois suivants.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","og_locale":"fr_FR","og_type":"article","og_title":"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - Observatoire des cr\u00e9dits aux m\u00e9nages - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)","og_description":"Selon le dernier rapport de l'OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2024 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule pour la sixi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 41,9%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. Ce rapport apporte chaque ann\u00e9e, depuis plus de 30 ans, un \u00e9clairage sur la situation des m\u00e9nages faisant appel au cr\u00e9dit, mais aussi sur leur perception de leur situation financi\u00e8re et leurs intentions de souscrire des cr\u00e9dits dans les six mois suivants.","og_url":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","og_site_name":"F\u00e9d\u00e9ration bancaire fran\u00e7aise","article_published_time":"2025-02-12T00:30:23+00:00","article_modified_time":"2026-03-02T13:41:58+00:00","og_image":[{"width":500,"height":335,"url":"https:\/\/fbf.fr\/uploads\/2025\/09\/GettyImages-1267342393.jpg","type":"image\/jpeg"}],"author":"jrho","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jrho","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/#article","isPartOf":{"@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/"},"author":{"name":"jrho","@id":"https:\/\/fbf.fr\/fr\/#\/schema\/person\/5d3a07ec198e2518a63fbe4b95ef4884"},"headline":"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)","datePublished":"2025-02-12T00:30:23+00:00","dateModified":"2026-03-02T13:41:58+00:00","mainEntityOfPage":{"@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/"},"wordCount":131,"publisher":{"@id":"https:\/\/fbf.fr\/fr\/#organization"},"image":{"@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/#primaryimage"},"thumbnailUrl":"https:\/\/fbf.fr\/uploads\/2025\/09\/GettyImages-1267342393.jpg","keywords":["Cr\u00e9dits","Particuliers"],"articleSection":["Cr\u00e9dits","Etudes et chiffres cl\u00e9s","Mots-cl\u00e9s","Observatoire des cr\u00e9dits aux m\u00e9nages","Particuliers"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","url":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","name":"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - Observatoire des cr\u00e9dits aux m\u00e9nages - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)","isPartOf":{"@id":"https:\/\/fbf.fr\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/#primaryimage"},"image":{"@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/#primaryimage"},"thumbnailUrl":"https:\/\/fbf.fr\/uploads\/2025\/09\/GettyImages-1267342393.jpg","datePublished":"2025-02-12T00:30:23+00:00","dateModified":"2026-03-02T13:41:58+00:00","description":"Selon le dernier rapport de l'OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2024 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule pour la sixi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 41,9%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. Ce rapport apporte chaque ann\u00e9e, depuis plus de 30 ans, un \u00e9clairage sur la situation des m\u00e9nages faisant appel au cr\u00e9dit, mais aussi sur leur perception de leur situation financi\u00e8re et leurs intentions de souscrire des cr\u00e9dits dans les six mois suivants.","breadcrumb":{"@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/#primaryimage","url":"https:\/\/fbf.fr\/uploads\/2025\/09\/GettyImages-1267342393.jpg","contentUrl":"https:\/\/fbf.fr\/uploads\/2025\/09\/GettyImages-1267342393.jpg","width":500,"height":335},{"@type":"BreadcrumbList","@id":"https:\/\/fbf.fr\/fr\/37eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fbf.fr\/fr\/"},{"@type":"ListItem","position":2,"name":"37\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)"}]},{"@type":"WebSite","@id":"https:\/\/fbf.fr\/fr\/#website","url":"https:\/\/fbf.fr\/fr\/","name":"F\u00e9d\u00e9ration bancaire fran\u00e7aise","description":"La F\u00e9d\u00e9ration bancaire fran\u00e7aise, l&#039;organisme professionnel qui repr\u00e9sente toutes les banques install\u00e9es en France.","publisher":{"@id":"https:\/\/fbf.fr\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fbf.fr\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/fbf.fr\/fr\/#organization","name":"F\u00e9d\u00e9ration bancaire fran\u00e7aise","url":"https:\/\/fbf.fr\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/fbf.fr\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/fbf.fr\/uploads\/2026\/06\/cropped-FBF_150-90-2-3.png","contentUrl":"https:\/\/fbf.fr\/uploads\/2026\/06\/cropped-FBF_150-90-2-3.png","width":150,"height":90,"caption":"F\u00e9d\u00e9ration bancaire fran\u00e7aise"},"image":{"@id":"https:\/\/fbf.fr\/fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fbf.fr\/fr\/#\/schema\/person\/5d3a07ec198e2518a63fbe4b95ef4884","name":"jrho","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/ce18d77d0c5d7f8483d30ce113ef8a3c60603c91c0a8ac7ea961c54d91fff172?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ce18d77d0c5d7f8483d30ce113ef8a3c60603c91c0a8ac7ea961c54d91fff172?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ce18d77d0c5d7f8483d30ce113ef8a3c60603c91c0a8ac7ea961c54d91fff172?s=96&d=mm&r=g","caption":"jrho"}}]}},"_links":{"self":[{"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/posts\/37511","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/users\/72"}],"replies":[{"embeddable":true,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/comments?post=37511"}],"version-history":[{"count":0,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/posts\/37511\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/media\/37512"}],"wp:attachment":[{"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/media?parent=37511"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/categories?post=37511"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/tags?post=37511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}