{"id":1958,"date":"2020-02-25T15:11:10","date_gmt":"2020-02-25T14:11:10","guid":{"rendered":"https:\/\/pressetaux.fr\/bethune\/taux-usure-et-taux-interet-bas-quelles-limites\/"},"modified":"2020-03-13T12:36:31","modified_gmt":"2020-03-13T11:36:31","slug":"taux-usure-et-taux-interet-bas-quelles-limites","status":"publish","type":"post","link":"https:\/\/pressetaux.fr\/bethune\/taux-usure-et-taux-interet-bas-quelles-limites\/","title":{"rendered":"Taux d\u2019usure et taux d\u2019int\u00e9r\u00eat bas, quelles limites ?"},"content":{"rendered":"<p><b><img loading=\"lazy\" class=\"alignright wp-image-6814\" src=\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2018\/11\/Taux-interrogation_1.jpg\" alt=\"\" width=\"221\" height=\"150\">Le taux d\u2019usure, mis \u00e0 jour chaque trimestre, prot\u00e8ge l\u2019emprunteur tout en contraignant la demande de pr\u00eat immobilier. En p\u00e9riode de taux d\u2019int\u00e9r\u00eat bas, il peut entra\u00eener des complications, voire m\u00eame bloquer des dossiers de demande de financement. Explications des courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pour <\/span><a href=\"https:\/\/pressetaux.fr\/reims\/courtier-en-credit-a-reims\/\"><span style=\"font-weight: 400;\">Geoffrey Mazouzi<\/span><\/a><span style=\"font-weight: 400;\">, courtier PresseTaux \u00e0 Reims, la probl\u00e9matique des taux d\u2019usure est r\u00e9elle puisqu\u2019elle est d\u00e9j\u00e0 venue entraver les projets d\u2019emprunt de certains de ses clients. Il raconte : <\/span><i><span style=\"font-weight: 400;\">\u201cSur un dossier r\u00e9cent, le taux d\u2019usure \u00e9tait clairement une contrainte. En effet, la cliente avait un taux d\u2019assurance \u00e9lev\u00e9 suite \u00e0 une surprime. Les conditions ont alors d\u00e9pass\u00e9 le taux d\u2019usure, ce qui a conduit la banque \u00e0 donner un avis d\u00e9favorable au projet.\u201d<\/span><\/i><span style=\"font-weight: 400;\">&nbsp;<\/span><\/p>\n<p><!--more--><\/p>\n<p><span style=\"font-weight: 400;\">C\u2019est une r\u00e9alit\u00e9 d\u00e9peinte par d\u2019autres courtiers du r\u00e9seau PresseTaux, comme <\/span><a href=\"https:\/\/pressetaux.fr\/lens\/courtier-lens-henin\/\"><span style=\"font-weight: 400;\">Richard Mouchel<\/span><\/a><span style=\"font-weight: 400;\"> \u00e0 Lens : <\/span><i><span style=\"font-weight: 400;\">\u201cDans un contexte de taux bas, voire tr\u00e8s bas, certains dossiers de financement pour l&rsquo;achat d\u2019un bien immobilier se retrouvent refus\u00e9s car le Taux annuel effectif global (TAEG) d\u00e9passe le taux d\u2019usure. Cette situation risque de freiner la production du cr\u00e9dit immobilier car m\u00eame les bons profils acqu\u00e9reurs sont impact\u00e9s par cette situation.\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Il appara\u00eet que cela d\u00e9pend aussi \u00e9norm\u00e9ment du type de pr\u00eat contract\u00e9. Par exemple, <\/span><a href=\"https:\/\/pressetaux.fr\/valenciennes\/\"><span style=\"font-weight: 400;\">Thomas Lecomte<\/span><\/a><span style=\"font-weight: 400;\"> (PresseTaux Valenciennes) explique que <\/span><i><span style=\"font-weight: 400;\">\u201clorsque que le cr\u00e9dit est sur une dur\u00e9e dite \u00ab\u00a0courte\u00a0\u00bb, c\u2019est-\u00e0-dire inf\u00e9rieure \u00e0 15 ans, le taux d&rsquo;usure est tr\u00e8s facilement atteint\u201d<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pour autant, certains courtiers se veulent rassurants, quelques situations aboutissent \u00e0 des issues favorables. Pour reprendre le cas pr\u00e9sent\u00e9 ci-dessus par Geoffrey Mazouzi \u00e0 Reims, des solutions \u00e9taient envisageables. Il t\u00e9moigne : <\/span><i><span style=\"font-weight: 400;\">\u201cJ\u2019ai r\u00e9ussi \u00e0 obtenir une assurance moins ch\u00e8re pour cette cliente. Cette baisse du co\u00fbt d\u2019assurance a permis de faire passer le TAEG sous le seuil du taux d\u2019usure. Aujourd\u2019hui, elle est officiellement propri\u00e9taire et, pour le coup, c\u2019est vraiment gr\u00e2ce \u00e0 mon intervention sur son dossier.\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">N\u00e9anmoins, cela demande organisation et prospection. Or de nombreux emprunteurs n\u2019ont pas le temps ou les moyens n\u00e9cessaires pour mener \u00e0 bien leurs projets dans ces conditions. <\/span><a href=\"https:\/\/pressetaux.fr\/dijon\/courtier-dijon\/\"><span style=\"font-weight: 400;\">Magali Zeller<\/span><\/a><span style=\"font-weight: 400;\">, courtier PresseTaux \u00e0 Dijon, r\u00e9sume ainsi : <\/span><i><span style=\"font-weight: 400;\">\u201cEn p\u00e9riode de taux bas, la marge de man\u0153uvre des banques est limit\u00e9e car le taux d&rsquo;usure se rapproche du taux effectif moyen. Le taux d&rsquo;usure est cens\u00e9 prot\u00e9ger les consommateurs face \u00e0 un pr\u00eateur qui abuserait de frais excessif, mais cela perd son sens quand cette mesure ne permet plus \u00e0 certaines personnes d\u2019emprunter.\u201d<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le taux d\u2019usure, mis \u00e0 jour chaque trimestre, prot\u00e8ge l\u2019emprunteur tout en contraignant la demande de pr\u00eat immobilier. En p\u00e9riode de taux d\u2019int\u00e9r\u00eat bas, il peut entra\u00eener des complications, voire m\u00eame bloquer des dossiers de demande de financement. Explications des courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux. Pour Geoffrey Mazouzi, courtier PresseTaux \u00e0 Reims, la probl\u00e9matique des taux d\u2019usure est r\u00e9elle puisqu\u2019elle est d\u00e9j\u00e0 venue entraver les projets d\u2019emprunt de certains de ses clients. Il raconte : \u201cSur un dossier r\u00e9cent, le taux d\u2019usure \u00e9tait clairement une contrainte. En effet, la cliente avait un taux d\u2019assurance \u00e9lev\u00e9 suite \u00e0 une surprime. Les conditions ont alors d\u00e9pass\u00e9 le taux d\u2019usure, ce qui a conduit la banque \u00e0 donner un avis d\u00e9favorable au projet.\u201d&nbsp;<\/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":[5],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Taux d\u2019usure et taux d\u2019int\u00e9r\u00eat bas, quelles limites ? - 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-usure-et-taux-interet-bas-quelles-limites\/\" \/>\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=\"2 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-usure-et-taux-interet-bas-quelles-limites\/#primaryimage\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2018\/11\/Taux-interrogation_1.jpg\",\"contentUrl\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2018\/11\/Taux-interrogation_1.jpg\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/pressetaux.fr\/bethune\/taux-usure-et-taux-interet-bas-quelles-limites\/#webpage\",\"url\":\"https:\/\/pressetaux.fr\/bethune\/taux-usure-et-taux-interet-bas-quelles-limites\/\",\"name\":\"Taux d\\u2019usure et taux d\\u2019int\\u00e9r\\u00eat bas, quelles limites ? 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