{"id":804,"date":"2021-01-12T05:49:00","date_gmt":"2021-01-12T04:49:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/achat-immobilier-assouplissement-des-conditions-demprunt-bancaire\/"},"modified":"2021-04-18T03:00:44","modified_gmt":"2021-04-18T01:00:44","slug":"achat-immobilier-assouplissement-des-conditions-demprunt-bancaire","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/achat-immobilier-assouplissement-des-conditions-demprunt-bancaire\/","title":{"rendered":"Achat immobilier : assouplissement des conditions d\u2019emprunt bancaire ?"},"content":{"rendered":"<p >Le 17 d\u00e9cembre 2020, le Haut Conseil de Stabilit\u00e9 Financi\u00e8re a d\u00e9cid\u00e9 de prendre des mesures pour soutenir le march\u00e9 immobilier en assouplissant les conditions d\u2019octroi des pr\u00eats bancaires. Quelles sont ces mesures ?<\/p>\n<div>\n<h2>Achat immobilier : l\u2019emprunt bancaire facilit\u00e9 !<\/h2>\n<p>Dans un contexte de crise \u00e9conomique li\u00e9e \u00e0 la covid-19, le Haut Conseil de Stabilit\u00e9 Financi\u00e8re (HCSF) entend soutenir le march\u00e9 immobilier. A cet effet, il a d\u00e9cid\u00e9 d\u2019\u00e9mettre les recommandations suivantes aux \u00e9tablissements bancaires :<\/p>\n<ul>\n<li>il est express\u00e9ment confirm\u00e9 qu\u2019il n\u2019est pas fait obstacle aux rachats et aux ren\u00e9gociations de cr\u00e9dits immobiliers d\u00e8s lors qu\u2019ils permettent de r\u00e9duire le taux d\u2019effort ou les \u00e9ch\u00e9ances des cr\u00e9dits ;<\/li>\n<li>la dur\u00e9e d\u2019endettement, en raison des sp\u00e9cificit\u00e9s de certaines op\u00e9rations, notamment les ventes en l\u2019\u00e9tat futur d\u2019ach\u00e8vement et les contrats de construction de maisons individuelles, passe de 25 ans \u00e0 27 ans ;<\/li>\n<li>le taux d\u2019endettement maximal de r\u00e9f\u00e9rence passe de 33 % \u00e0 35 % ;<\/li>\n<li>le taux de dossiers que les banques peuvent accepter en dehors des recommandations du HCSF passe de 15 % \u00e0 20 % (les primo-acc\u00e9dants sont cibl\u00e9s par cette mesure).<\/li>\n<\/ul>\n<p>Par ailleurs, sachez que le HCSF compte adopter, au cours de l\u2019\u00e9t\u00e9 2021, une mesure permettant de donner \u00e0 ses recommandations un caract\u00e8re juridiquement contraignant.<\/p>\n<p>Source : Communiqu\u00e9 du Haut Conseil de Stabilit\u00e9 Financi\u00e8re du 17 d\u00e9cembre 2020<\/p>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/achat-immobilier-assouplissement-des-conditions-demprunt-bancaire\" target=\"_blank\" rel=\"noopener\">Achat immobilier : assouplissement des conditions d\u2019emprunt bancaire ?<\/a> \u00a9 Copyright WebLex &#8211; 2021<\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/creditimmobilier.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le 17 d\u00e9cembre 2020, le Haut Conseil de Stabilit\u00e9 Financi\u00e8re a d\u00e9cid\u00e9 de prendre des mesures pour soutenir le march\u00e9 immobilier en assouplissant les conditions d\u2019octroi des pr\u00eats bancaires. Quelles sont ces mesures ?<\/p>\n","protected":false},"author":0,"featured_media":4136,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-804","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>Achat immobilier : assouplissement des conditions d\u2019emprunt bancaire ? - 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\/achat-immobilier-assouplissement-des-conditions-demprunt-bancaire\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Achat immobilier : assouplissement des conditions d\u2019emprunt bancaire ? - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Le 17 d\u00e9cembre 2020, le Haut Conseil de Stabilit\u00e9 Financi\u00e8re a d\u00e9cid\u00e9 de prendre des mesures pour soutenir le march\u00e9 immobilier en assouplissant les conditions d\u2019octroi des pr\u00eats bancaires. 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