{"id":2017,"date":"2019-11-25T11:44:06","date_gmt":"2019-11-25T10:44:06","guid":{"rendered":"https:\/\/pressetaux.fr\/cambrai\/?p=2017"},"modified":"2020-03-13T12:30:38","modified_gmt":"2020-03-13T11:30:38","slug":"les-banques-durcissent-les-conditions-dacces-au-credit","status":"publish","type":"post","link":"https:\/\/pressetaux.fr\/cambrai\/les-banques-durcissent-les-conditions-dacces-au-credit\/","title":{"rendered":"Les banques durcissent les conditions d&rsquo;acc\u00e8s au cr\u00e9dit"},"content":{"rendered":"<p><b><img loading=\"lazy\" class=\"alignright wp-image-4406\" src=\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/10\/PresseTaux_courtier_17.jpg\" alt=\"\" width=\"250\" height=\"166\">C\u2019est un constat partag\u00e9 par la quasi unanimit\u00e9 des courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux : par rapport \u00e0 l\u2019an pass\u00e9, les banques ont durci les conditions d\u2019acc\u00e8s \u00e0 l\u2019emprunt.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pour <\/span><a href=\"https:\/\/pressetaux.fr\/cambrai\/courtier-cambrai-nord\/\"><span style=\"font-weight: 400;\">Johan Carr\u00e9<\/span><\/a><span style=\"font-weight: 400;\">, courtier PresseTaux \u00e0 Cambrai, la r\u00e9ponse est sans appel : <\/span><i><span style=\"font-weight: 400;\">\u201cOui, les banques ont durci les conditions d&rsquo;acc\u00e8s au cr\u00e9dit par rapport \u00e0 l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente, surtout au sujet des pr\u00eats sur les dur\u00e9es longues (25 et 30 ans).\u201d<\/span><\/i> <a href=\"https:\/\/pressetaux.fr\/cambrai\/courtier-en-credit-caudry\/\"><span style=\"font-weight: 400;\">Jean-Philippe Journet<\/span><\/a><span style=\"font-weight: 400;\">, \u00e0 Caudry, pr\u00e9cise \u00e9galement que <\/span><i><span style=\"font-weight: 400;\">\u201cla cotation de certains m\u00e9tiers s\u2019est d\u00e9grad\u00e9e\u201d<\/span><\/i><span style=\"font-weight: 400;\">. Il cite par exemple le cas des professions de routier et d\u2019ouvrier.<\/span><\/p>\n<p><!--more--><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cLes taux \u00e9tant tr\u00e8s bas, les banques ont d\u00fb faire face \u00e0 un afflux de dossiers tr\u00e8s important ce qui a conduit \u00e0 un renforcement de leurs exigences sur la qualit\u00e9 des dossiers\u201d<\/span><\/i><span style=\"font-weight: 400;\">, observe <\/span><a href=\"https:\/\/pressetaux.fr\/chantilly\/courtier-chantilly\/\"><span style=\"font-weight: 400;\">Sandra Rutman<\/span><\/a><span style=\"font-weight: 400;\">, courtier PresseTaux \u00e0 Chantilly. Selon elle, la baisse des taux a \u00e9galement eu un autre effet pervers : <\/span><i><span style=\"font-weight: 400;\">\u201cEn effet, la m\u00e9diatisation des taux bas laisse \u00e0 penser aux clients que leur financement est un acquis et les conduit m\u00eame \u00e0 formuler leurs propres exigences. Aujourd&rsquo;hui, notre r\u00f4le est de bien accompagner nos clients, de mettre en valeur les forces et les atouts de leur dossier sans pour autant leur laisser trop d&rsquo;illusions lorsque leur profil ne leur permet manifestement pas d&rsquo;obtenir leur financement.\u201d<\/span><\/i><\/p>\n<p><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, explique : <\/span><i><span style=\"font-weight: 400;\">\u201cEffectivement, en fin d&rsquo;ann\u00e9e, des banques ayant d\u00e9j\u00e0 atteint leurs objectifs de cr\u00e9dit immobilier vont non pas durcir mais tout simplement ne plus prendre de dossiers concernant le financement de prospect. C&rsquo;est le cas avec l\u2019un de mes partenaires qui va cependant financer uniquement les projets de ses clients pour ne pas les perdre au profit d&rsquo;une autre banque.\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Du c\u00f4t\u00e9 de Dijon, <\/span><a href=\"https:\/\/pressetaux.fr\/dijon\/courtier-dijon\/\"><span style=\"font-weight: 400;\">Magali Zeller<\/span><\/a><span style=\"font-weight: 400;\"> observe que <\/span><i><span style=\"font-weight: 400;\">\u201cle strict respect des taux d&rsquo;endettement est de plus en plus marqu\u00e9\u201d<\/span><\/i><span style=\"font-weight: 400;\">, et ce m\u00eame si le reste \u00e0 vivre demeure correct&#8230; <\/span><i><span style=\"font-weight: 400;\">\u201cL&rsquo;apport est le premier crit\u00e8re faisant l&rsquo;objet d&rsquo;un durcissement. De plus en plus de banques exigent d\u00e9sormais que les clients disposent d&rsquo;une \u00e9pargne de s\u00e9curit\u00e9 en cas de coup dur. Une banque a ainsi refus\u00e9 le dossier de jeunes clients car leur projet immobilier les aurait amen\u00e9s \u00e0 un taux d&rsquo;endettement de 33 % et ils n&rsquo;auraient pas eu les moyens d&#8217;emprunter dans les ann\u00e9es \u00e0 venir pour changer leurs voitures vieillissantes.\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">\u00c0 Douai, <\/span><a href=\"https:\/\/pressetaux.fr\/douai\/courtier-douaisis\/\"><span style=\"font-weight: 400;\">Christophe Lamand<\/span><\/a><span style=\"font-weight: 400;\"> partage le m\u00eame constat : les banques ont durci leurs conditions d\u2019acceptation. <\/span><i><span style=\"font-weight: 400;\">\u201cLes taux ayant baiss\u00e9, les banques cherchent des clients plut\u00f4t haut de gamme. Certaines banques nous disent ne plus accepter de pr\u00eat sur 25 ans, elles proposent plut\u00f4t des dur\u00e9es de 20 ou 22 ans maximum. Le financement sans apport est regard\u00e9 pour des clients dits \u201csup\u00e9rieurs\u201d, c\u2019est-\u00e0-dire pr\u00e9sentant d\u2019excellents profils. Quant au Pr\u00eat \u00e0 taux z\u00e9ro (PTZ), il n\u2019est plus accept\u00e9 alors qu\u2019on peut l\u00e9galement en monter jusqu\u2019au milieu du mois de d\u00e9cembre\u2026\u201d<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cPar rapport \u00e0 2018, il est \u00e9vident que les banques ont durci leurs interventions\u201d<\/span><\/i><span style=\"font-weight: 400;\">, constate \u00e9galement <\/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;\">\u201cAu niveau du plan de financement, elles exigent un apport minimum pour couvrir les frais de notaire. Et sur la question de la dur\u00e9e, nous avions pour habitude de travailler sur 25 ans alors qu\u2019actuellement, le maximum accept\u00e9 est plut\u00f4t de 22 ou 23 ans.\u201d<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u2019est un constat partag\u00e9 par la quasi unanimit\u00e9 des courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux : par rapport \u00e0 l\u2019an pass\u00e9, les banques ont durci les conditions d\u2019acc\u00e8s \u00e0 l\u2019emprunt. Pour Johan Carr\u00e9, courtier PresseTaux \u00e0 Cambrai, la r\u00e9ponse est sans appel : \u201cOui, les banques ont durci les conditions d&rsquo;acc\u00e8s au cr\u00e9dit par rapport \u00e0 l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente, surtout au sujet des pr\u00eats sur les dur\u00e9es longues (25 et 30 ans).\u201d Jean-Philippe Journet, \u00e0 Caudry, pr\u00e9cise \u00e9galement que \u201cla cotation de certains m\u00e9tiers s\u2019est d\u00e9grad\u00e9e\u201d. Il cite par exemple le cas des professions de routier et d\u2019ouvrier.<\/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>Les banques durcissent les conditions d&#039;acc\u00e8s au cr\u00e9dit - PresseTaux Cambrai<\/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\/cambrai\/les-banques-durcissent-les-conditions-dacces-au-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les banques durcissent les conditions d&#039;acc\u00e8s au cr\u00e9dit - PresseTaux Cambrai\" \/>\n<meta property=\"og:description\" content=\"C\u2019est un constat partag\u00e9 par la quasi unanimit\u00e9 des courtiers en cr\u00e9dit n\u00e9goci\u00e9 du r\u00e9seau PresseTaux : par rapport \u00e0 l\u2019an pass\u00e9, les banques ont durci les conditions d\u2019acc\u00e8s \u00e0 l\u2019emprunt. Pour Johan Carr\u00e9, courtier PresseTaux \u00e0 Cambrai, la r\u00e9ponse est sans appel : \u201cOui, les banques ont durci les conditions d&rsquo;acc\u00e8s au cr\u00e9dit par rapport \u00e0 l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente, surtout au sujet des pr\u00eats sur les dur\u00e9es longues (25 et 30 ans).\u201d Jean-Philippe Journet, \u00e0 Caudry, pr\u00e9cise \u00e9galement que \u201cla cotation de certains m\u00e9tiers s\u2019est d\u00e9grad\u00e9e\u201d. Il cite par exemple le cas des professions de routier et d\u2019ouvrier.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pressetaux.fr\/cambrai\/les-banques-durcissent-les-conditions-dacces-au-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"PresseTaux Cambrai\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pressetauxcambrai?locale=fr_FR\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-25T10:44:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-03-13T11:30:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/10\/PresseTaux_courtier_17.jpg\" \/>\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\/cambrai\/#organization\",\"name\":\"PresseTaux Cambrai\",\"url\":\"https:\/\/pressetaux.fr\/cambrai\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/pressetauxcambrai?locale=fr_FR\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/cambrai\/#logo\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/pressetaux.fr\/cambrai\/wp-content\/uploads\/sites\/3\/2020\/11\/LogoPressetaux.png\",\"contentUrl\":\"https:\/\/pressetaux.fr\/cambrai\/wp-content\/uploads\/sites\/3\/2020\/11\/LogoPressetaux.png\",\"width\":488,\"height\":278,\"caption\":\"PresseTaux Cambrai\"},\"image\":{\"@id\":\"https:\/\/pressetaux.fr\/cambrai\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/pressetaux.fr\/cambrai\/#website\",\"url\":\"https:\/\/pressetaux.fr\/cambrai\/\",\"name\":\"PresseTaux Cambrai\",\"description\":\"COURTIER EN CREDIT\",\"publisher\":{\"@id\":\"https:\/\/pressetaux.fr\/cambrai\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/pressetaux.fr\/cambrai\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/pressetaux.fr\/cambrai\/les-banques-durcissent-les-conditions-dacces-au-credit\/#primaryimage\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/10\/PresseTaux_courtier_17.jpg\",\"contentUrl\":\"https:\/\/pressetaux.fr\/wp-content\/uploads\/2016\/10\/PresseTaux_courtier_17.jpg\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/pressetaux.fr\/cambrai\/les-banques-durcissent-les-conditions-dacces-au-credit\/#webpage\",\"url\":\"https:\/\/pressetaux.fr\/cambrai\/les-banques-durcissent-les-conditions-dacces-au-credit\/\",\"name\":\"Les banques durcissent les conditions d'acc\\u00e8s au cr\\u00e9dit - 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Pour Johan Carr\u00e9, courtier PresseTaux \u00e0 Cambrai, la r\u00e9ponse est sans appel : \u201cOui, les banques ont durci les conditions d&rsquo;acc\u00e8s au cr\u00e9dit par rapport \u00e0 l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente, surtout au sujet des pr\u00eats sur les dur\u00e9es longues (25 et 30 ans).\u201d Jean-Philippe Journet, \u00e0 Caudry, pr\u00e9cise \u00e9galement que \u201cla cotation de certains m\u00e9tiers s\u2019est d\u00e9grad\u00e9e\u201d. 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