{"id":3072,"date":"2024-05-17T19:00:42","date_gmt":"2024-05-17T17:00:42","guid":{"rendered":"https:\/\/www.feodus-finance.fr\/defiscalisation\/?p=3072"},"modified":"2024-05-29T19:08:41","modified_gmt":"2024-05-29T17:08:41","slug":"credit-immobilier-avril-2024-activite-credit-demi-teinte","status":"publish","type":"post","link":"https:\/\/www.feodus-finance.fr\/defiscalisation\/credit-immobilier-avril-2024-activite-credit-demi-teinte\/","title":{"rendered":"En bref : Avril 2024, une activit\u00e9 des cr\u00e9dits en demi-teinte"},"content":{"rendered":"\n<div style=\"height:41px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La conjoncture du march\u00e9 des cr\u00e9dits s\u2019am\u00e9liore depuis le d\u00e9but de l\u2019ann\u00e9e 2024. En d\u00e9pit du plafonnement des taux d\u2019effort impos\u00e9 par la Banque de France et des incertitudes \u00e9conomiques qui se renforcent, le march\u00e9 retrouve des couleurs dans un contexte de baisse des taux et d\u2019offre bancaire plus dynamique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La production de cr\u00e9dits a augment\u00e9 de 73.8 % entre le mois de d\u00e9cembre 2023 et celui d\u2019avril 2024<\/strong>, l\u2019\u00e9volution \u00e9tant comparable pour le nombre de pr\u00eats accord\u00e9s, avec + 67.5 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le rebond est encourageant, mais le march\u00e9 est encore loin de retrouver son dynamisme pass\u00e9.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, la production de cr\u00e9dits mesur\u00e9e \u00e0 fin avril en niveau trimestriel glissant recule toujours, de 23.2 % en glissement annuel (contre &#8211; 52.2 % en juillet dernier). En revanche, le recul du nombre de pr\u00eats accord\u00e9s est moins prononc\u00e9 et illustre l\u2019am\u00e9lioration de la conjoncture, avec \u2013 7.3 % \u00e0 fin avril (contre &#8211; 52.1 % en juillet dernier) : la baisse rapide des montants moyens emprunt\u00e9s explique cette situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le point de retournement du march\u00e9 des cr\u00e9dits immobiliers a donc \u00e9t\u00e9 franchi en f\u00e9vrier, laissant escompter un l\u00e9ger rebond des indicateurs trimestriels au cours de l\u2019ann\u00e9e 2024.<\/strong><\/p>\n\n\n\n<div style=\"height:42px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-base-background-color has-background\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ACTIVIT\u00c9 DU<br>MARCH\u00c9 DES CR\u00c9DIT<br>(HORS RACHATS DE PR\u00caTS)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>MONTANT DE PRODUCTION<br>DE CR\u00c9DITS<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>NOMBRE DE<br>PR\u00caTS BANCAIRES<br>ACCORD\u00c9S<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">f\u00e9vrier \u00e0 avril 2024<br>\/<br>f\u00e9vrier \u00e0 avril&nbsp;2023<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>-23,2&nbsp; %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>-7,3 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">mai&nbsp;2023&nbsp;\u00e0&nbsp;avril 2024<br>\/<br>mai&nbsp;2022 \u00e0 avril 2023<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>-38,2 %<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>-31,0 %<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>La conjoncture du march\u00e9 des cr\u00e9dits s\u2019am\u00e9liore depuis le d\u00e9but de l\u2019ann\u00e9e 2024. En d\u00e9pit du plafonnement des taux d\u2019effort impos\u00e9 par la Banque de France et des incertitudes \u00e9conomiques qui se renforcent, le march\u00e9 retrouve des couleurs dans un contexte de baisse des taux et d\u2019offre bancaire plus dynamique. La production de cr\u00e9dits a &#8230; <a title=\"En bref : Avril 2024, une activit\u00e9 des cr\u00e9dits en demi-teinte\" class=\"read-more\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/credit-immobilier-avril-2024-activite-credit-demi-teinte\/\" aria-label=\"En savoir plus sur En bref : Avril 2024, une activit\u00e9 des cr\u00e9dits en demi-teinte\">Lire plus<\/a><\/p>\n","protected":false},"author":2,"featured_media":2815,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-3072","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>En bref : Avril 2024, une activit\u00e9 des cr\u00e9dits en demi-teinte - 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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. 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