{"id":1855,"date":"2017-02-10T17:02:28","date_gmt":"2017-02-10T16:02:28","guid":{"rendered":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/"},"modified":"2020-03-11T15:14:41","modified_gmt":"2020-03-11T14:14:41","slug":"taux-bas-profitent-egalement-aux-professionnels","status":"publish","type":"post","link":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/","title":{"rendered":"Les taux bas profitent-ils \u00e9galement aux professionnels ?"},"content":{"rendered":"<p><b><a href=\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/03\/PresseTaux_courtier_10.jpg\"><img loading=\"lazy\" class=\"alignright wp-image-3577\" src=\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/03\/PresseTaux_courtier_10.jpg\" width=\"300\" height=\"200\"><\/a>Les taux bas b\u00e9n\u00e9ficient aux particuliers qui peuvent en profiter notamment pour ren\u00e9gocier leurs cr\u00e9dits. Ils dynamisent aussi le march\u00e9 de l\u2019immobilier. Mais profitent-ils \u00e9galement aux clients professionnels ? Les courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux apportent leurs r\u00e9ponses.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Acc\u00e8s au financement facilit\u00e9, co\u00fbt du financement plus attractif, banques plus accueillantes\u2026 La persistance des taux bas profiterait-elle \u00e9galement aux professionnels ? <i>\u201cActuellement, les banquiers sont plus enclins \u00e0 mettre en place des financements pour les PME ou les TPE\u201d<\/i>, constate <a href=\"https:\/\/pressetaux.fr\/lens\/courtier-lens-henin\/\" target=\"_blank\" rel=\"noopener noreferrer\">Richard Mouchel, courtier PresseTaux \u00e0 Lens<\/a>. <i>\u201dLes banques ont perdu des parts de march\u00e9 et elles souhaitent les reconqu\u00e9rir.\u201d<\/i><\/span><\/p>\n<p><!--more--><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cLes taux d&rsquo;int\u00e9r\u00eat ne sont pas du tout les m\u00eames pour les pr\u00eats professionnels que pour les pr\u00eats aux particuliers\u201d<\/span><\/i><span style=\"font-weight: 400;\">, rappelle <\/span><a href=\"https:\/\/pressetaux.fr\/poissy\/courtier-poissy\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Isabelle Venzal, courtier PresseTaux \u00e0 Poissy<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><i><span style=\"font-weight: 400;\">\u201cDans les banques, les correspondants sont \u00e9galement diff\u00e9rents. Il existe des services sp\u00e9cifiques en fonction des publics : particuliers ou professionnels.\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Pour <\/span><a href=\"https:\/\/pressetaux.fr\/montpellier\/courtier-montpellier\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Carine Pradelles, courtier PresseTaux \u00e0 Montpellier<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><i><span style=\"font-weight: 400;\">\u201cla seule cons\u00e9quence de la persistance des taux bas est la baisse du co\u00fbt du cr\u00e9dit, car l&rsquo;acc\u00e8s au financement reste difficile pour les professionnels et les projets pond\u00e9reux sont toujours complexes \u00e0 faire financer\u201d<\/span><\/i><span style=\"font-weight: 400;\">. Elle explique : <\/span><i><span style=\"font-weight: 400;\">\u201cL&rsquo;acc\u00e8s reste facilit\u00e9 sur les financements d&rsquo;investissement ou d&rsquo;acquisition et sur des montants mesur\u00e9s. Les banques sont toujours en recherche de nouveaux clients mais leurs crit\u00e8res de financement restent exigeants.\u201d<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cLes professionnels s&rsquo;adonnent aujourd&rsquo;hui \u00e0 des besoins d&rsquo;investissements : murs, fonds de commerce, etc. ; ce qui est motiv\u00e9 par les taux bas actuels et un contexte particuli\u00e8rement favorable aux opportunit\u00e9s immobili\u00e8res\u201d<\/span><\/i><span style=\"font-weight: 400;\">, constate Richard Mouchel. <\/span><i><span style=\"font-weight: 400;\">\u201cM\u00eame si la plupart des courtiers ne sont pas forc\u00e9ment \u00e0 m\u00eame de traiter les demandes des professionnels\u201d<\/span><\/i><span style=\"font-weight: 400;\">, temp\u00e8re Isabelle Venzal. <\/span><i><span style=\"font-weight: 400;\">\u201cCeci \u00e9tant, certaines banques sont plus int\u00e9ress\u00e9es par la client\u00e8le professionnelle qui peut drainer des flux importants.\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Par cons\u00e9quent, les taux bas actuels profitent-ils autant aux professionnels qu&rsquo;aux particuliers ? <\/span><i><span style=\"font-weight: 400;\">\u201cCe sont vraiment deux mondes diff\u00e9rents\u201d<\/span><\/i><span style=\"font-weight: 400;\">, poursuit Isabelle Venzal. <\/span><i><span style=\"font-weight: 400;\">\u201cLes pr\u00eats n&rsquo;\u00e9tant d&rsquo;ailleurs pas r\u00e9gis par le m\u00eame dispositif l\u00e9gal, notamment au niveau de la protection de l&#8217;emprunteur : personne physique ou morale.\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Pour Richard Mouchel, les taux bas permettent <\/span><i><span style=\"font-weight: 400;\">\u201ctant aux particuliers qu\u2019aux professionnels de solliciter un financement\u201d<\/span><\/i><span style=\"font-weight: 400;\">. Il compl\u00e8te : <\/span><i><span style=\"font-weight: 400;\">\u201cCertes, les besoins sont diff\u00e9rents. Mais sur le terrain, je constate une r\u00e9elle envie d\u2019investir de la part des professionnels. Certains cr\u00e9neaux professionnels sont plus enclins \u00e0 emprunter, notamment dans les secteurs des services ou de la vente par Internet. Au regard de ces activit\u00e9s, les banquiers sont dispos\u00e9s \u00e0 \u00e9tudier les demandes, alors que leurs pr\u00e9dispositions \u00e9taient quasi obsol\u00e8tes il y a encore un an.\u201d<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cLe professionnel fera davantage appel au cr\u00e9dit en p\u00e9riode de taux bas car cela lui permet de pr\u00e9server sa tr\u00e9sorerie\u201d<\/span><\/i><span style=\"font-weight: 400;\">, conclut Carine Pradelles. <\/span><i><span style=\"font-weight: 400;\">\u201cTandis que le particulier n&rsquo;a pas cette approche car les montants emprunt\u00e9s sont, pour lui, toujours sup\u00e9rieurs \u00e0 sa tr\u00e9sorerie.\u201d<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les taux bas b\u00e9n\u00e9ficient aux particuliers qui peuvent en profiter notamment pour ren\u00e9gocier leurs cr\u00e9dits. Ils dynamisent aussi le march\u00e9 de l\u2019immobilier. Mais profitent-ils \u00e9galement aux clients professionnels ? Les courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux apportent leurs r\u00e9ponses. Acc\u00e8s au financement facilit\u00e9, co\u00fbt du financement plus attractif, banques plus accueillantes\u2026 La persistance des taux bas profiterait-elle \u00e9galement aux professionnels ? \u201cActuellement, les banquiers sont plus enclins \u00e0 mettre en place des financements pour les PME ou les TPE\u201d, constate Richard Mouchel, courtier PresseTaux \u00e0 Lens. \u201dLes banques ont perdu des parts de march\u00e9 et elles souhaitent les reconqu\u00e9rir.\u201d<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":""},"categories":[8],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les taux bas profitent-ils \u00e9galement aux professionnels ? - PresseTaux B\u00e9thune<\/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:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ma\u00ebl PresseTaux\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#organization\",\"name\":\"PresseTaux B\\u00e9thune - Lens\",\"url\":\"https:\/\/pressetaux.fr\/bethune\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/presse.tauxbethune?locale=fr_FR\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#logo\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/pressetaux.fr\/bethune\/wp-content\/uploads\/sites\/4\/2022\/03\/LogoPressetaux.jpg\",\"contentUrl\":\"https:\/\/pressetaux.fr\/bethune\/wp-content\/uploads\/sites\/4\/2022\/03\/LogoPressetaux.jpg\",\"width\":1776,\"height\":997,\"caption\":\"PresseTaux B\\u00e9thune - Lens\"},\"image\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#website\",\"url\":\"https:\/\/pressetaux.fr\/bethune\/\",\"name\":\"PresseTaux B\\u00e9thune\",\"description\":\"COURTIER EN CREDIT\",\"publisher\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/pressetaux.fr\/bethune\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#primaryimage\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/03\/PresseTaux_courtier_10.jpg\",\"contentUrl\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/03\/PresseTaux_courtier_10.jpg\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#webpage\",\"url\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/\",\"name\":\"Les taux bas profitent-ils \\u00e9galement aux professionnels ? - PresseTaux B\\u00e9thune\",\"isPartOf\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#primaryimage\"},\"datePublished\":\"2017-02-10T16:02:28+00:00\",\"dateModified\":\"2020-03-11T14:14:41+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Les taux bas profitent-ils \\u00e9galement aux professionnels ?\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#webpage\"},\"author\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#\/schema\/person\/e18ef05c180d813e5ce42087d0369f85\"},\"headline\":\"Les taux bas profitent-ils \\u00e9galement aux professionnels ?\",\"datePublished\":\"2017-02-10T16:02:28+00:00\",\"dateModified\":\"2020-03-11T14:14:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#webpage\"},\"wordCount\":519,\"publisher\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#organization\"},\"image\":{\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/03\/PresseTaux_courtier_10.jpg\",\"articleSection\":[\"L'actu des franchises\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#\/schema\/person\/e18ef05c180d813e5ce42087d0369f85\",\"name\":\"Ma\\u00ebl PresseTaux\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/#personlogo\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c2daa4ba12e6c26194c9f7b7936f6a98?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c2daa4ba12e6c26194c9f7b7936f6a98?s=96&d=mm&r=g\",\"caption\":\"Ma\\u00ebl PresseTaux\"},\"url\":\"https:\/\/pressetaux.fr\/bethune\/author\/mael-nonet\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Les taux bas profitent-ils \u00e9galement aux professionnels ? - PresseTaux B\u00e9thune","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:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/","twitter_misc":{"\u00c9crit par":"Ma\u00ebl PresseTaux","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/pressetaux.fr\/bethune\/#organization","name":"PresseTaux B\u00e9thune - Lens","url":"https:\/\/pressetaux.fr\/bethune\/","sameAs":["https:\/\/www.facebook.com\/presse.tauxbethune?locale=fr_FR"],"logo":{"@type":"ImageObject","@id":"https:\/\/pressetaux.fr\/bethune\/#logo","inLanguage":"fr-FR","url":"https:\/\/pressetaux.fr\/bethune\/wp-content\/uploads\/sites\/4\/2022\/03\/LogoPressetaux.jpg","contentUrl":"https:\/\/pressetaux.fr\/bethune\/wp-content\/uploads\/sites\/4\/2022\/03\/LogoPressetaux.jpg","width":1776,"height":997,"caption":"PresseTaux B\u00e9thune - Lens"},"image":{"@id":"https:\/\/pressetaux.fr\/bethune\/#logo"}},{"@type":"WebSite","@id":"https:\/\/pressetaux.fr\/bethune\/#website","url":"https:\/\/pressetaux.fr\/bethune\/","name":"PresseTaux B\u00e9thune","description":"COURTIER EN CREDIT","publisher":{"@id":"https:\/\/pressetaux.fr\/bethune\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pressetaux.fr\/bethune\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"fr-FR"},{"@type":"ImageObject","@id":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#primaryimage","inLanguage":"fr-FR","url":"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/03\/PresseTaux_courtier_10.jpg","contentUrl":"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/03\/PresseTaux_courtier_10.jpg"},{"@type":"WebPage","@id":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#webpage","url":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/","name":"Les taux bas profitent-ils \u00e9galement aux professionnels ? - PresseTaux B\u00e9thune","isPartOf":{"@id":"https:\/\/pressetaux.fr\/bethune\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#primaryimage"},"datePublished":"2017-02-10T16:02:28+00:00","dateModified":"2020-03-11T14:14:41+00:00","breadcrumb":{"@id":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Les taux bas profitent-ils \u00e9galement aux professionnels ?"}]},{"@type":"Article","@id":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#article","isPartOf":{"@id":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#webpage"},"author":{"@id":"https:\/\/pressetaux.fr\/bethune\/#\/schema\/person\/e18ef05c180d813e5ce42087d0369f85"},"headline":"Les taux bas profitent-ils \u00e9galement aux professionnels ?","datePublished":"2017-02-10T16:02:28+00:00","dateModified":"2020-03-11T14:14:41+00:00","mainEntityOfPage":{"@id":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#webpage"},"wordCount":519,"publisher":{"@id":"https:\/\/pressetaux.fr\/bethune\/#organization"},"image":{"@id":"https:\/\/pressetaux.fr\/bethune\/taux-bas-profitent-egalement-aux-professionnels\/#primaryimage"},"thumbnailUrl":"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/03\/PresseTaux_courtier_10.jpg","articleSection":["L'actu des franchises"],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/pressetaux.fr\/bethune\/#\/schema\/person\/e18ef05c180d813e5ce42087d0369f85","name":"Ma\u00ebl PresseTaux","image":{"@type":"ImageObject","@id":"https:\/\/pressetaux.fr\/bethune\/#personlogo","inLanguage":"fr-FR","url":"https:\/\/secure.gravatar.com\/avatar\/c2daa4ba12e6c26194c9f7b7936f6a98?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c2daa4ba12e6c26194c9f7b7936f6a98?s=96&d=mm&r=g","caption":"Ma\u00ebl PresseTaux"},"url":"https:\/\/pressetaux.fr\/bethune\/author\/mael-nonet\/"}]}},"_links":{"self":[{"href":"https:\/\/pressetaux.fr\/bethune\/wp-json\/wp\/v2\/posts\/1855"}],"collection":[{"href":"https:\/\/pressetaux.fr\/bethune\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pressetaux.fr\/bethune\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pressetaux.fr\/bethune\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/pressetaux.fr\/bethune\/wp-json\/wp\/v2\/comments?post=1855"}],"version-history":[{"count":0,"href":"https:\/\/pressetaux.fr\/bethune\/wp-json\/wp\/v2\/posts\/1855\/revisions"}],"wp:attachment":[{"href":"https:\/\/pressetaux.fr\/bethune\/wp-json\/wp\/v2\/media?parent=1855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pressetaux.fr\/bethune\/wp-json\/wp\/v2\/categories?post=1855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pressetaux.fr\/bethune\/wp-json\/wp\/v2\/tags?post=1855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}