{"id":37619,"date":"2013-01-29T16:13:00","date_gmt":"2013-01-29T14:13:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=37619"},"modified":"2025-09-08T16:18:01","modified_gmt":"2025-09-08T14:18:01","slug":"25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","title":{"rendered":"25\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>La d\u00e9tention des cr\u00e9dits immobiliers est la plus r\u00e9pandue parmi les m\u00e9nages.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les jeunes d\u00e9tiennent de moins en moins de cr\u00e9dits \u00e0 la consommation<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2012 on note un recul du recours aux cr\u00e9dits \u00e0 la consommation chez les moins de 30 ans : 33,4 % des jeunes m\u00e9nages en d\u00e9tiennent, en recul de 5,1 points sur un an, ce qui repr\u00e9sente le niveau le plus bas constat\u00e9 depuis 1989. Dans la population g\u00e9n\u00e9rale, le taux de d\u00e9tention recule \u00e9galement, mais moins fortement, passant de 30,2 % en 2011 \u00e0 27,6 % fin 2012.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">25\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2012 (version diaporama \u2013 janvier 2013)<\/p><p class=\"postAttachment__fileSize\">382,4 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;25\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2012 (version diaporama \u2013 janvier 2013)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"25\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2012 (version diaporama \u2013 janvier 2013)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/Presentation-observatoire-credits-menages-2012-2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 25\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2012 (version diaporama \u2013 janvier 2013)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>La d\u00e9tention des cr\u00e9dits immobiliers est la plus r\u00e9pandue parmi les m\u00e9nages. Les jeunes d\u00e9tiennent de moins en moins de cr\u00e9dits \u00e0 la consommation En 2012 on note un recul du recours aux cr\u00e9dits \u00e0 la consommation chez les moins de 30 ans : 33,4 % des jeunes m\u00e9nages en d\u00e9tiennent, en recul de 5,1 [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":37629,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":1209,"viewed_at":"1778442908"},"categories":[3350,3320,3391,1603],"tags":[3276,3273],"class_list":["post-37619","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","category-la-banque-des-particuliers","tag-credits","tag-particuliers"],"yoast_head":"<title>25\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 l\u2019Observatoire des cr\u00e9dits aux m\u00e9nages, en 2012 on note un recul du recours aux cr\u00e9dits \u00e0 la consommation chez les moins de 30 ans : 33,4 % des jeunes m\u00e9nages en d\u00e9tiennent, en recul de 5,1 points sur un an, ce qui repr\u00e9sente le niveau le plus bas constat\u00e9 depuis 1989. Dans la population g\u00e9n\u00e9rale, le taux de d\u00e9tention recule \u00e9galement, mais moins fortement, passant de 30,2 % en 2011 \u00e0 27,6 % fin 2012.\" \/>\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\/25eme-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=\"25\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 l\u2019Observatoire des cr\u00e9dits aux m\u00e9nages, en 2012 on note un recul du recours aux cr\u00e9dits \u00e0 la consommation chez les moins de 30 ans : 33,4 % des jeunes m\u00e9nages en d\u00e9tiennent, en recul de 5,1 points sur un an, ce qui repr\u00e9sente le niveau le plus bas constat\u00e9 depuis 1989. Dans la population g\u00e9n\u00e9rale, le taux de d\u00e9tention recule \u00e9galement, mais moins fortement, passant de 30,2 % en 2011 \u00e0 27,6 % fin 2012.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fbf.fr\/fr\/25eme-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=\"2013-01-29T14:13:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-08T14:18:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fbf.fr\/uploads\/2012\/06\/GettyImages-1492875379.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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\\\/25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\"},\"author\":{\"name\":\"jrho\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/person\\\/5d3a07ec198e2518a63fbe4b95ef4884\"},\"headline\":\"25\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)\",\"datePublished\":\"2013-01-29T14:13:00+00:00\",\"dateModified\":\"2025-09-08T14:18:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\"},\"wordCount\":103,\"publisher\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2012\\\/06\\\/GettyImages-1492875379.png\",\"keywords\":[\"Cr\u00e9dits\",\"Particuliers\"],\"articleSection\":[\"Cr\u00e9dits\",\"Etudes et chiffres cl\u00e9s\",\"Observatoire des cr\u00e9dits aux m\u00e9nages\",\"Particuliers\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/\",\"name\":\"25\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\\\/25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/25eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2012\\\/06\\\/GettyImages-1492875379.png\",\"datePublished\":\"2013-01-29T14:13:00+00:00\",\"dateModified\":\"2025-09-08T14:18:01+00:00\",\"description\":\"Selon l\u2019Observatoire des cr\u00e9dits aux m\u00e9nages, en 2012 on note un recul du recours aux cr\u00e9dits \u00e0 la consommation chez les moins de 30 ans : 33,4 % des jeunes m\u00e9nages en d\u00e9tiennent, en recul de 5,1 points sur un an, ce qui repr\u00e9sente le niveau le plus bas constat\u00e9 depuis 1989. 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