{"id":7409,"date":"2023-01-30T05:47:00","date_gmt":"2023-01-30T04:47:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/"},"modified":"2023-01-30T05:47:00","modified_gmt":"2023-01-30T04:47:00","slug":"credit-immobilier-un-taux-de-lusure-ajuste-mensuellement","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/","title":{"rendered":"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ?"},"content":{"rendered":"<p >Le taux de l\u2019usure est actuellement en train de remonter en raison de la hausse des cr\u00e9dits immobiliers. Pour pr\u00e9server un large acc\u00e8s des emprunteurs au cr\u00e9dit immobilier, le Gouvernement va-t-il revoir ce taux mensuellement et non plus trimestriellement ?<\/p>\n<div>\n<h2>Cr\u00e9dit immobilier : prot\u00e9ger les emprunteurs des taux excessifs<\/h2>\n<p>Depuis 1 an, le taux de l\u2019usure augmente. Or, il est utilis\u00e9 pour calculer le taux des cr\u00e9dits immobiliers : par voie de cons\u00e9quence, corr\u00e9lativement \u00e0 cette augmentation, les taux des cr\u00e9dits immobiliers sont donc aussi en hausse depuis 1 an.<\/p>\n<p>D\u2019o\u00f9 une autre cons\u00e9quence : cette hausse limite l\u2019acc\u00e8s des emprunteurs au cr\u00e9dit immobilier, ce qui impacte le march\u00e9 immobilier.<\/p>\n<p>Pour limiter cet impact, le Gouvernement a d\u00e9cid\u00e9 que le taux de l\u2019usure sera d\u00e9sormais revu mensuellement et non plus tous les trimestres, d\u00e8s ce mois de f\u00e9vrier 2023, pour une dur\u00e9e de 6 mois.<\/p>\n<p>L\u2019objectif affich\u00e9 est de permettre un lissage des hausses du taux de l\u2019usure.<\/p>\n<p>Source :<\/p>\n<ul>\n<li>Actualit\u00e9 de la Banque de France du 20 janvier 2023 : \u00ab La Banque de France propose, pour une dur\u00e9e limit\u00e9e, un ajustement mensuel des taux d\u2019usure \u00e0 compter du 1er f\u00e9vrier \u00bb<\/li>\n<li>Arr\u00eat\u00e9 du 26 janvier 2023 portant adoption de mesures transitoires sur le calcul de l&#8217;usure en application de l&#8217;article L. 314-8 du code de la consommation et de l&#8217;article L. 313-5 du code mon\u00e9taire et financier<\/li>\n<\/ul>\n<p><a title=\"WebLex - Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ?\" href=\"https:\/\/www.weblex.fr\/weblex-actualite\/credit-immobilier-un-taux-de-l-usure-ajuste-mensuellement\" rel=\"nofollow noopener\" target=\"_blank\">Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ?<\/a> \u00a9 Copyright WebLex &#8211; 2023<\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/creditimmo.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le taux de l\u2019usure est actuellement en train de remonter en raison de la hausse des cr\u00e9dits immobiliers. Pour pr\u00e9server un large acc\u00e8s des emprunteurs au cr\u00e9dit immobilier, le Gouvernement va-t-il revoir ce taux mensuellement et non plus trimestriellement ?<\/p>\n","protected":false},"author":0,"featured_media":7410,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-7409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ? - Cabinet Magar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ? - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Le taux de l\u2019usure est actuellement en train de remonter en raison de la hausse des cr\u00e9dits immobiliers. Pour pr\u00e9server un large acc\u00e8s des emprunteurs au cr\u00e9dit immobilier, le Gouvernement va-t-il revoir ce taux mensuellement et non plus trimestriellement ?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/\" \/>\n<meta property=\"og:site_name\" content=\"Cabinet Magar\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-30T04:47:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data1\" content=\"1\u00a0Minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ?\",\"datePublished\":\"2023-01-30T04:47:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/\"},\"wordCount\":268,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg\",\"articleSection\":[\"Actu Juridique\",\"Actualit\u00e9s\"],\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/\",\"url\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/\",\"name\":\"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ? - Cabinet Magar\",\"isPartOf\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg\",\"datePublished\":\"2023-01-30T04:47:00+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#breadcrumb\"},\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"de\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#primaryimage\",\"url\":\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg\",\"contentUrl\":\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg\",\"width\":600,\"height\":400},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.cabinet-magar.fr\/de\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/#website\",\"url\":\"https:\/\/www.cabinet-magar.fr\/\",\"name\":\"Cabinet Magar\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cabinet-magar.fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"de\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ? - Cabinet Magar","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/","og_locale":"de_DE","og_type":"article","og_title":"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ? - Cabinet Magar","og_description":"Le taux de l\u2019usure est actuellement en train de remonter en raison de la hausse des cr\u00e9dits immobiliers. Pour pr\u00e9server un large acc\u00e8s des emprunteurs au cr\u00e9dit immobilier, le Gouvernement va-t-il revoir ce taux mensuellement et non plus trimestriellement ?","og_url":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/","og_site_name":"Cabinet Magar","article_published_time":"2023-01-30T04:47:00+00:00","og_image":[{"width":600,"height":400,"url":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Gesch\u00e4tzte Lesezeit":"1\u00a0Minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#article","isPartOf":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/"},"author":{"name":"","@id":""},"headline":"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ?","datePublished":"2023-01-30T04:47:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/"},"wordCount":268,"commentCount":0,"image":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg","articleSection":["Actu Juridique","Actualit\u00e9s"],"inLanguage":"de","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/","url":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/","name":"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ? - Cabinet Magar","isPartOf":{"@id":"https:\/\/www.cabinet-magar.fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#primaryimage"},"image":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg","datePublished":"2023-01-30T04:47:00+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#breadcrumb"},"inLanguage":"de","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/"]}]},{"@type":"ImageObject","inLanguage":"de","@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#primaryimage","url":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg","contentUrl":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2023\/01\/creditimmo.jpg","width":600,"height":400},{"@type":"BreadcrumbList","@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credit-immobilier-un-taux-de-lusure-ajuste-mensuellement\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.cabinet-magar.fr\/de\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dit immobilier : un taux de l\u2019usure ajust\u00e9 mensuellement ?"}]},{"@type":"WebSite","@id":"https:\/\/www.cabinet-magar.fr\/#website","url":"https:\/\/www.cabinet-magar.fr\/","name":"Cabinet Magar","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cabinet-magar.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"de"}]}},"_links":{"self":[{"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/posts\/7409","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/comments?post=7409"}],"version-history":[{"count":0,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/posts\/7409\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/media\/7410"}],"wp:attachment":[{"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/media?parent=7409"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/categories?post=7409"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/tags?post=7409"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}