{"id":38789,"date":"2026-03-05T13:12:03","date_gmt":"2026-03-05T11:12:03","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=38789"},"modified":"2026-06-26T14:04:28","modified_gmt":"2026-06-26T12:04:28","slug":"38eme-edition-de-lobservatoire-des-credits-aux-menages-ocm","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/38eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","title":{"rendered":"38\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&rsquo;OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2025 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 septi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 40,4%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au total, plus de 12,5 millions de m\u00e9nages d\u00e9tenaient des cr\u00e9dits en 2025&nbsp;: 6,91 millions d\u00e9tenaient des cr\u00e9dits immobiliers, 3,62 millions d\u00e9tenaient des cr\u00e9dits consommation, et 1,99 millions de m\u00e9nages d\u00e9tenaient les deux.<\/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\">38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version diaporama \u2013 synth\u00e8se au 5 mars 2026)<\/p><p class=\"postAttachment__fileSize\">386,2 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;38\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version diaporama \u2013 synth\u00e8se au 5 mars 2026)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version diaporama \u2013 synth\u00e8se au 5 mars 2026)\" href=\"https:\/\/fbf.fr\/uploads\/2026\/03\/OCM-Tableau-de-bord-diaporama-Fevrier-2026-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version diaporama \u2013 synth\u00e8se au 5 mars 2026)<\/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\">38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version texte \u2013 synth\u00e8se au 5 mars 2026)<\/p><p class=\"postAttachment__fileSize\">564,1 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;38\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version texte \u2013 synth\u00e8se au 5 mars 2026)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version texte \u2013 synth\u00e8se au 5 mars 2026)\" href=\"https:\/\/fbf.fr\/uploads\/2026\/03\/OCM-Tableau-de-bord-texte-mars-2026-1-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version texte \u2013 synth\u00e8se au 5 mars 2026)<\/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\">38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version texte \u2013 Mise \u00e0 jour : avril 2026)<\/p><p class=\"postAttachment__fileSize\">1,4 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;38\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version texte \u2013 Mise \u00e0 jour : avril 2026)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version texte \u2013 Mise \u00e0 jour : avril 2026)\" href=\"https:\/\/fbf.fr\/uploads\/2026\/06\/Rapport-2026.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version texte \u2013 Mise \u00e0 jour : avril 2026)<\/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\">38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version diaporama \u2013 Mise \u00e0 jour : avril 2026)<\/p><p class=\"postAttachment__fileSize\">735,4 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;38\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version diaporama \u2013 Mise \u00e0 jour : avril 2026)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version diaporama \u2013 Mise \u00e0 jour : avril 2026)\" href=\"https:\/\/fbf.fr\/uploads\/2026\/06\/OCM-presentation-2026.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 38\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2025 (version diaporama \u2013 Mise \u00e0 jour : avril 2026)<\/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&rsquo;OCM, qui se fonde sur une enqu\u00eate r\u00e9alis\u00e9e fin 2025 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 septi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 40,4%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989. Au total, [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":38818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":1443,"viewed_at":"1778491898"},"categories":[3350,3320,3321,3391,1603],"tags":[3276,3273],"class_list":["post-38789","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>38\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 2025 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 septi\u00e8me ann\u00e9e cons\u00e9cutive et s\u2019\u00e9tablit \u00e0 40,4%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire en 1989.\" \/>\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\/38eme-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=\"38\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - 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