{"id":7478,"date":"2023-02-02T00:23:00","date_gmt":"2023-02-01T23:23:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/taux-dusure-du-changement-plus-souvent\/"},"modified":"2023-02-02T00:23:00","modified_gmt":"2023-02-01T23:23:00","slug":"taux-dusure-du-changement-plus-souvent","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/le-saviez-vous\/taux-dusure-du-changement-plus-souvent\/","title":{"rendered":"Taux d&#8217;usure : du changement&#8230; plus souvent ?"},"content":{"rendered":"<div class=\"quizz\">\n<div class=\"question-quizz\">Un particulier souhaite acheter un bien immobilier et doit pour cela solliciter sa banque.<\/p>\n<p>Mais il pense qu&#8217;il aura davantage de souplesse de la part de cette derni\u00e8re au trimestre prochain, moment de parution du nouveau taux d&#8217;usure.<\/p>\n<p>Un ami lui dit qu&#8217;il n&#8217;a pas \u00e0 attendre si longtemps.<\/p>\n<p>\u00c0 tort ou \u00e0 raison ?<\/p><\/div>\n<ul class=\"propal-quizz\">\n<li class=\"quizz-a\"><a href=\"#reponse\" onclick=\"document.getElementById('page-fiche').classList.add('quizz-open'); return false;\">\u00c0 tort<\/a><\/li>\n<li class=\"quizz-b\"><a href=\"#reponse\" onclick=\"document.getElementById('page-fiche').classList.add('quizz-open'); return false;\">\u00c0 raison<\/a><\/li>\n<\/ul>\n<div id=\"rna\" class=\"reponse-non-affichee\">La r\u00e9ponse n&#8217;est pas toujours celle que l&#8217;on croit&#8230;<\/div>\n<div id=\"reponse\" class=\"reponse-quizz-in\">La bonne r\u00e9ponse est&#8230;<br \/> <span class=\"reponse-b\">\u00c0 raison<\/span><br \/>Pour m\u00e9moire, le taux de l\u2019usure correspond au taux d\u2019int\u00e9r\u00eat maximum l\u00e9gal que les banques ou autres \u00e9tablissements de cr\u00e9dit sont autoris\u00e9s \u00e0 pratiquer lorsqu\u2019ils accordent un pr\u00eat.<\/p>\n<p>Alors que les taux d&#8217;int\u00e9r\u00eat remontent fortement, la Banque de France a d\u00e9cid\u00e9 d\u2019ajuster la p\u00e9riodicit\u00e9 de la r\u00e9vision du taux de l\u2019usure : celle-ci devrait permettre d&#8217;\u00e9viter qu\u2019un effet de seuil \u00e0 l\u2019int\u00e9rieur de chaque trimestre ne repousse les pr\u00eats au trimestre suivant.<\/p>\n<p>Ainsi, depuis le 1er f\u00e9vrier 2023, la r\u00e9vision du taux de l\u2019usure est mensuelle et le sera jusqu\u2019au mois de juillet 2023. La m\u00e9thode de calcul ne change pas et reste assise sur la moyenne des taux pratiqu\u00e9s lors des trois mois pr\u00e9c\u00e9dents.<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Un particulier souhaite acheter un bien immobilier et doit pour cela solliciter sa banque.<\/p>\n<p>Mais il pense qu&#8217;il aura davantage de souplesse de la part de cette derni\u00e8re au trimestre prochain, moment de parution du nouveau taux d&#8217;usure.<\/p>\n<p>Un ami lui dit qu&#8217;il n&#8217;a pas \u00e0 attendre si longtemps.<\/p>\n<p>\u00c0 tort ou \u00e0 raison ?<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-7478","post","type-post","status-publish","format-standard","hentry","category-le-saviez-vous"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Taux d&#039;usure : du changement... plus souvent ? 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