{"id":37542,"date":"2021-02-09T14:59:00","date_gmt":"2021-02-09T12:59:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=37542"},"modified":"2025-09-09T14:18:15","modified_gmt":"2025-09-09T12:18:15","slug":"33eme-edition-de-lobservatoire-des-credits-aux-menages-ocm","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/33eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","title":{"rendered":"33\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>En 2020, nouveau recul de la part des m\u00e9nages d\u00e9tenant des cr\u00e9dits. Apr\u00e8s le rebond constat\u00e9 en 2017 et sa stabilisation en 2018, le taux de d\u00e9tention des cr\u00e9dits avait commenc\u00e9 \u00e0 reculer en 2019, en d\u00e9pit de conditions de cr\u00e9dit exceptionnelles. Dans la contexte d\u2019une crise sanitaire et \u00e9conomique exceptionnelle, la baisse du taux de d\u00e9tention s\u2019est amplifi\u00e9e en 2020. Cette baisse est imputable \u00e0 un nouveau repli du taux de d\u00e9tention des cr\u00e9dits \u00e0 la consommation. Alors que le taux de d\u00e9tention des cr\u00e9dits immobiliers se maintient \u00e0 un niveau \u00e9lev\u00e9.<\/strong><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">33\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 version diaporama (f\u00e9vrier 2021)<\/p><p class=\"postAttachment__fileSize\">429,9 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;33\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 version diaporama (f\u00e9vrier 2021)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"33\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 version diaporama (f\u00e9vrier 2021)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-tableau-de-bord-diaporama-2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 33\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 version diaporama (f\u00e9vrier 2021)<\/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\">33\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 version texte (f\u00e9vrier 2021)<\/p><p class=\"postAttachment__fileSize\">152,0 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;33\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 version texte (f\u00e9vrier 2021)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"33\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 version texte (f\u00e9vrier 2021)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-Tableau-de-bord-texte-Fevrier-2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 33\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 version texte (f\u00e9vrier 2021)<\/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\">33\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 (version finale &#8211; juin 2021)<\/p><p class=\"postAttachment__fileSize\">525,6 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;33\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 (version finale - juin 2021)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"33\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 (version finale - juin 2021)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-presentation-longue-2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 33\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2020 (version finale &#8211; juin 2021)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>En 2020, nouveau recul de la part des m\u00e9nages d\u00e9tenant des cr\u00e9dits. Apr\u00e8s le rebond constat\u00e9 en 2017 et sa stabilisation en 2018, le taux de d\u00e9tention des cr\u00e9dits avait commenc\u00e9 \u00e0 reculer en 2019, en d\u00e9pit de conditions de cr\u00e9dit exceptionnelles. Dans la contexte d\u2019une crise sanitaire et \u00e9conomique exceptionnelle, la baisse du taux [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":37543,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":1271,"viewed_at":"1778481719"},"categories":[3320,3391],"tags":[3276,3273],"class_list":["post-37542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rubrique-etudes-et-chiffres-cles","category-observatoire-des-credits-aux-menages","tag-credits","tag-particuliers"],"yoast_head":"<title>33\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 base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages1, \u00e0 fin 2020, le taux des cr\u00e9dits aux m\u00e9nages a recul\u00e9, pour s&#039;\u00e9tablir \u00e0 46,5% (contre 47,4% 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\/33eme-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=\"33\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 base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages1, \u00e0 fin 2020, le taux des cr\u00e9dits aux m\u00e9nages a recul\u00e9, pour s&#039;\u00e9tablir \u00e0 46,5% (contre 47,4% en 2019).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fbf.fr\/fr\/33eme-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=\"2021-02-09T12:59:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-09T12:18:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fbf.fr\/uploads\/2025\/09\/GettyImages-1285993634-705x470-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"705\" \/>\n\t<meta property=\"og:image:height\" content=\"470\" \/>\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\\\/33eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/33eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\"},\"author\":{\"name\":\"jrho\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/person\\\/5d3a07ec198e2518a63fbe4b95ef4884\"},\"headline\":\"33\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)\",\"datePublished\":\"2021-02-09T12:59:00+00:00\",\"dateModified\":\"2025-09-09T12:18:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/33eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\"},\"wordCount\":112,\"publisher\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/33eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2025\\\/09\\\/GettyImages-1285993634-705x470-1.jpg\",\"keywords\":[\"Cr\u00e9dits\",\"Particuliers\"],\"articleSection\":[\"Etudes et chiffres cl\u00e9s\",\"Observatoire des cr\u00e9dits aux m\u00e9nages\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/33eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/33eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\",\"name\":\"33\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - 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