{"id":37549,"date":"2020-01-29T15:03:00","date_gmt":"2020-01-29T13:03:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=37549"},"modified":"2025-09-09T14:22:36","modified_gmt":"2025-09-09T12:22:36","slug":"32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","title":{"rendered":"32\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 base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule l\u00e9g\u00e8rement en 2019. Il s\u2019\u00e9tablit \u00e0 47,4%, apr\u00e8s s\u2019\u00eatre stabilis\u00e9 \u00e0 47,8 % en 2018. Toutefois, le sentiment d\u2019une nette am\u00e9lioration de leur situation financi\u00e8re et budg\u00e9taire laisse pr\u00e9sager un redressement des intentions de cr\u00e9dits immobiliers pour 2020. Le taux de d\u00e9tention des cr\u00e9dits immobiliers reste sur des niveaux \u00e9lev\u00e9s.<\/strong><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">32\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2019 (version diaporama &#8211; janvier 2020)<\/p><p class=\"postAttachment__fileSize\">433,2 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;32\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2019 (version diaporama - janvier 2020)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"32\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2019 (version diaporama - janvier 2020)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/Tableau-de-bord-diaporama-32eme-edition-de-lObservatoire-des-Credits-aux-Menages-Janvier-2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 32\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2019 (version diaporama &#8211; janvier 2020)<\/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\">32\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2019 (version texte &#8211; janvier 2020)<\/p><p class=\"postAttachment__fileSize\">160,3 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;32\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2019 (version texte - janvier 2020)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"32\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2019 (version texte - janvier 2020)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/Tableau-de-bord-texte-32eme-edition-de-lObservatoire-des-Credits-aux-Menages-Janvier-2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 32\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2019 (version texte &#8211; janvier 2020)<\/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\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selon le dernier rapport de l\u2019OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule l\u00e9g\u00e8rement en 2019. Il s\u2019\u00e9tablit \u00e0 47,4%, apr\u00e8s s\u2019\u00eatre stabilis\u00e9 \u00e0 47,8 % en 2018. Toutefois, le sentiment d\u2019une nette am\u00e9lioration de leur situation financi\u00e8re et budg\u00e9taire [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":37550,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":1279,"viewed_at":"1778442908"},"categories":[3320,3391],"tags":[3276,3273],"class_list":["post-37549","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>32\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\u2019OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule l\u00e9g\u00e8rement 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\/32eme-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=\"32\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\u2019OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e aupr\u00e8s de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits par les m\u00e9nages recule l\u00e9g\u00e8rement en 2019.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fbf.fr\/fr\/32eme-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=\"2020-01-29T13:03:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-09T12:22:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fbf.fr\/uploads\/2025\/09\/GettyImages-521704225-705x470-1.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\\\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\"},\"author\":{\"name\":\"jrho\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/person\\\/5d3a07ec198e2518a63fbe4b95ef4884\"},\"headline\":\"32\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)\",\"datePublished\":\"2020-01-29T13:03:00+00:00\",\"dateModified\":\"2025-09-09T12:22:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\"},\"wordCount\":103,\"publisher\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2025\\\/09\\\/GettyImages-521704225-705x470-1.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\\\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/32eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\",\"name\":\"32\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - 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