Les taux baissent encore

Avec la baisse constatée en janvier dernier, les taux d’intérêt pour les crédits immobiliers octroyés à des particuliers en France étaient descendus à 3,16 %. Mais en février, un nouveau record a été constaté puisque les taux sont passés à 3,13 %, selon l’Observatoire Crédit Logement/CSA. Et cette diminution touche tout le marché, tant les logements anciens que les constructions nouvelles. Un niveau historiquement bas. A titre de comparaison, les taux constatés à la même période l’année passée s’élevaient à 3,93 % pour l’ancien comme pour le neuf. En 2013, ce marché a descendu à 3,18 % en janvier de cette année, et 3,08 % en février. Par contre, si janvier 2013 avait montré une nette diminution de la durée des crédits contractés (avec une moyenne de 199 mois), on constate une légère augmentation en février 2013 puisque cette moyenne passe à 203 mois. Les prêts octroyés en 2012 ont quant à eu baissé de plus de 26 % par rapport à 2011. Une année qui, déjà, avait chuté de plus de 4 % par rapport à l’année précédente. On est vraiment en droit de se demander où s’arrêtera cette baisse des taux. Car de nombreux facteurs tirent les taux vers le bas, notamment la concurrence d’Internet et des banques en ligne. Mais selon les spécialistes, les taux ne vont en réalité plus vraiment descendre, mais se stabiliser. C’est donc plus que jamais le moment de contracter des crédits si vous souhaitez acheter un logement, qu’il soit neuf ou ancien.

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