{"id":1715,"date":"2023-11-18T09:51:23","date_gmt":"2023-11-18T09:51:23","guid":{"rendered":"https:\/\/www.feodus-finance.fr\/defiscalisation\/?p=1715"},"modified":"2024-01-15T16:32:12","modified_gmt":"2024-01-15T15:32:12","slug":"les-credits-immobiliers-a-nouveau-en-baisse","status":"publish","type":"post","link":"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/","title":{"rendered":"Les cr\u00e9dits immobiliers \u00e0 nouveau en baisse"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La production des cr\u00e9dits \u00e0 l&#8217;habitat s&#8217;\u00e9tablit \u00e0 14,6&nbsp;milliards et celle des cr\u00e9dits \u00e0 la consommation \u00e0 5,5&nbsp;milliards.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hausse du taux d&#8217;int\u00e9r\u00eat moyen et contraction des nouveaux cr\u00e9dits immobiliers<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">\u2014<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">En f\u00e9vrier 2023&nbsp;le flux CVS (Correction des Variations Saisonni\u00e8res)&nbsp;<strong>des nouveaux cr\u00e9dits \u00e0 l&#8217;habitat s&#8217;\u00e9tablit \u00e0 14,6&nbsp;Mds\u20ac<\/strong>&nbsp;(12,2&nbsp;Mds\u20ac hors ren\u00e9gociation). Le Taux Effectif au Sens Etroit (TESE, c&#8217;est-\u00e0-dire hors frais et assurances) ressort quant \u00e0 lui \u00e0 2,36&nbsp;%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les m\u00eames donn\u00e9es \u00e0 Janvier 2023&nbsp;faisaient \u00e9tat de flux CVS des&nbsp;<strong>nouveaux cr\u00e9dits \u00e0 l&#8217;habitat \u00e0 15,8&nbsp;Mds\u20ac.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La hausse du&nbsp;<strong>taux d&#8217;int\u00e9r\u00eat moyen sur les nouveaux cr\u00e9dits \u00e0 l&#8217;habitat<\/strong>&nbsp;se r\u00e9v\u00e8le sup\u00e9rieure aux estimations du mois pr\u00e9c\u00e9dent&nbsp;: ce taux s&#8217;\u00e9tablit \u00e0 2.36% en F\u00e9vrier et l&#8217;estimation avanc\u00e9e pour le mois de Mars serait de 2.52%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La production de nouveaux cr\u00e9dits immobiliers est consid\u00e9rablement impact\u00e9e, les derniers taux de croissance annuel brut attestent de ralentissements marqu\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Evolution des taux de croissance annuel brut&nbsp;:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2014 D\u00e9cembre 2022&nbsp;: 5.30%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2014 Janvier 2023&nbsp;: 5.10%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2014&nbsp;<strong>F\u00e9vrier 2023&nbsp;: 4.80%<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2014 Estimation Mars 2023&nbsp;: 4.50%<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La production des cr\u00e9dits \u00e0 l&#8217;habitat s&#8217;\u00e9tablit \u00e0 14,6&nbsp;milliards et celle des cr\u00e9dits \u00e0 la consommation \u00e0 5,5&nbsp;milliards. Hausse du taux d&#8217;int\u00e9r\u00eat moyen et contraction des nouveaux cr\u00e9dits immobiliers \u2014 En f\u00e9vrier 2023&nbsp;le flux CVS (Correction des Variations Saisonni\u00e8res)&nbsp;des nouveaux cr\u00e9dits \u00e0 l&#8217;habitat s&#8217;\u00e9tablit \u00e0 14,6&nbsp;Mds\u20ac&nbsp;(12,2&nbsp;Mds\u20ac hors ren\u00e9gociation). Le Taux Effectif au Sens Etroit (TESE, &#8230; <a title=\"Les cr\u00e9dits immobiliers \u00e0 nouveau en baisse\" class=\"read-more\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/\" aria-label=\"En savoir plus sur Les cr\u00e9dits immobiliers \u00e0 nouveau en baisse\">Lire plus<\/a><\/p>\n","protected":false},"author":2,"featured_media":1716,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1715","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite-de-la-finance","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les cr\u00e9dits immobiliers \u00e0 nouveau en baisse - Feodus<\/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.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les cr\u00e9dits immobiliers \u00e0 nouveau en baisse - Feodus\" \/>\n<meta property=\"og:description\" content=\"La production des cr\u00e9dits \u00e0 l&#8217;habitat s&#8217;\u00e9tablit \u00e0 14,6&nbsp;milliards et celle des cr\u00e9dits \u00e0 la consommation \u00e0 5,5&nbsp;milliards. Hausse du taux d&#8217;int\u00e9r\u00eat moyen et contraction des nouveaux cr\u00e9dits immobiliers \u2014 En f\u00e9vrier 2023&nbsp;le flux CVS (Correction des Variations Saisonni\u00e8res)&nbsp;des nouveaux cr\u00e9dits \u00e0 l&#8217;habitat s&#8217;\u00e9tablit \u00e0 14,6&nbsp;Mds\u20ac&nbsp;(12,2&nbsp;Mds\u20ac hors ren\u00e9gociation). Le Taux Effectif au Sens Etroit (TESE, ... Lire plus\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/\" \/>\n<meta property=\"og:site_name\" content=\"Feodus\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-18T09:51:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-15T15:32:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-content\/uploads\/2023\/11\/27121.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"654\" \/>\n\t<meta property=\"og:image:height\" content=\"920\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"David Morisse\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Les cr\u00e9dits immobiliers \u00e0 nouveau en baisse - Feodus","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.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/","og_locale":"fr_FR","og_type":"article","og_title":"Les cr\u00e9dits immobiliers \u00e0 nouveau en baisse - Feodus","og_description":"La production des cr\u00e9dits \u00e0 l&#8217;habitat s&#8217;\u00e9tablit \u00e0 14,6&nbsp;milliards et celle des cr\u00e9dits \u00e0 la consommation \u00e0 5,5&nbsp;milliards. Hausse du taux d&#8217;int\u00e9r\u00eat moyen et contraction des nouveaux cr\u00e9dits immobiliers \u2014 En f\u00e9vrier 2023&nbsp;le flux CVS (Correction des Variations Saisonni\u00e8res)&nbsp;des nouveaux cr\u00e9dits \u00e0 l&#8217;habitat s&#8217;\u00e9tablit \u00e0 14,6&nbsp;Mds\u20ac&nbsp;(12,2&nbsp;Mds\u20ac hors ren\u00e9gociation). Le Taux Effectif au Sens Etroit (TESE, ... Lire plus","og_url":"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/","og_site_name":"Feodus","article_published_time":"2023-11-18T09:51:23+00:00","article_modified_time":"2024-01-15T15:32:12+00:00","og_image":[{"width":654,"height":920,"url":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-content\/uploads\/2023\/11\/27121.jpeg","type":"image\/jpeg"}],"author":"David Morisse","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/#article","isPartOf":{"@id":"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/"},"author":{"name":"David Morisse","@id":"https:\/\/www.feodus-finance.fr\/defiscalisation\/#\/schema\/person\/273dc6922e4518849287534868045df0"},"headline":"Les cr\u00e9dits immobiliers \u00e0 nouveau en baisse","datePublished":"2023-11-18T09:51:23+00:00","dateModified":"2024-01-15T15:32:12+00:00","mainEntityOfPage":{"@id":"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/"},"wordCount":197,"commentCount":0,"publisher":{"@id":"https:\/\/www.feodus-finance.fr\/defiscalisation\/#organization"},"image":{"@id":"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/#primaryimage"},"thumbnailUrl":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-content\/uploads\/2023\/11\/27121.jpeg","articleSection":["L'actualit\u00e9 de la finance"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/","url":"https:\/\/www.feodus-finance.fr\/defiscalisation\/les-credits-immobiliers-a-nouveau-en-baisse\/","name":"Les cr\u00e9dits immobiliers \u00e0 nouveau en baisse - 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Dipl\u00f4m\u00e9 d\u2019une Ecole Sup\u00e9rieure de Commerce, avec une sp\u00e9cialisation en Finance, il a exerc\u00e9 plusieurs m\u00e9tiers au sein de la banque anglo-saxonne HSBC, plus sp\u00e9cifiquement dans les divisions Banque d\u2019investissement &amp; de march\u00e9 - Corporate Investment Banking &amp; Markets (CIBM). Un parcours pluridisciplinaire, qui l\u2019a conduit sur des fonctions commerciales (Relationship management sur des portefeuilles de grande client\u00e8le institutionnelle \u00e0 l\u2019international), de management, d\u2019analyse financi\u00e8re, de finance et de contr\u00f4le de gestion en passant par des mandats de cr\u00e9ation de d\u00e9partement et de gouvernance de projet de rationalisation. David dispose de tous les agr\u00e9ments n\u00e9cessaires aux m\u00e9tiers du conseil en gestion de patrimoine, s\u2019agissant de professions r\u00e9glement\u00e9es : il est Conseiller en Investissement Financier (CIF), Courtier en Op\u00e9rations de Banque &amp; Services de Paiement (COBSP), Courtier en Op\u00e9rations d\u2019Assurance (COA) et b\u00e9n\u00e9ficie de la carte professionnelle immobili\u00e8re pour les Transactions sur Immeubles &amp; Fonds de commerce.","url":"https:\/\/www.feodus-finance.fr\/defiscalisation\/author\/david-morisse\/"}]}},"_links":{"self":[{"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/posts\/1715","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/comments?post=1715"}],"version-history":[{"count":1,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/posts\/1715\/revisions"}],"predecessor-version":[{"id":1717,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/posts\/1715\/revisions\/1717"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/media\/1716"}],"wp:attachment":[{"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/media?parent=1715"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/categories?post=1715"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/tags?post=1715"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}