{"id":9041,"date":"2026-06-23T00:00:00","date_gmt":"2026-06-23T00:00:00","guid":{"rendered":"https:\/\/www.virginie-perrin.notaires.fr\/credit-immobilier-les-taux-remontent-les-emprunteurs-sadaptent\/"},"modified":"2026-07-24T13:56:22","modified_gmt":"2026-07-24T13:56:22","slug":"credit-immobilier-les-taux-remontent-les-emprunteurs-sadaptent","status":"publish","type":"post","link":"https:\/\/www.virginie-perrin.notaires.fr\/credit-immobilier-les-taux-remontent-les-emprunteurs-sadaptent\/","title":{"rendered":"Cr\u00e9dit immobilier : les taux remontent, les emprunteurs s’adaptent"},"content":{"rendered":"

Une hausse des taux qui n’arr\u00eate pas les projets immobiliers<\/h2>\n

La p\u00e9riode des taux de cr\u00e9dit immobilier bas est termin\u00e9e, mais elle n’arr\u00eate pas les projets immobiliers pour autant. Selon le barom\u00e8tre 2026 d’un grand courtier, la hausse moyenne des taux ajoute une vingtaine d’euros par mois pour un emprunt type, un effet r\u00e9el, mais que la plupart des emprunteurs parviennent \u00e0 absorber.<\/p>\n

Des emprunteurs qui adaptent leurs projets plut\u00f4t que d’y renoncer<\/h2>\n

Plut\u00f4t que de renoncer, les candidats \u00e0 la propri\u00e9t\u00e9 adaptent leurs projets : allongement de la dur\u00e9e de cr\u00e9dit jusqu’\u00e0 vingt-cinq ans ou plus, choix de biens anciens \u00e0 r\u00e9nover, et surtout attention accrue port\u00e9e \u00e0 l’assurance emprunteur, dont les contrats alternatifs permettent souvent d’\u00e9conomiser plusieurs milliers d’euros sur la dur\u00e9e totale du pr\u00eat.<\/p>\n

Des pistes \u00e0 l’\u00e9tude pour soutenir le march\u00e9<\/h2>\n

Du c\u00f4t\u00e9 des pouvoirs publics, plusieurs pistes sont \u00e9voqu\u00e9es pour soutenir le march\u00e9 du cr\u00e9dit immobilier, comme l’\u00e9largissement du pr\u00eat \u00e0 taux z\u00e9ro ou une meilleure prise en compte du reste \u00e0 vivre dans le calcul du taux d’endettement. En attendant, comparer les offres et optimiser l’assurance emprunteur restent les leviers les plus concrets pour am\u00e9liorer sa capacit\u00e9 d’achat en 2026.<\/p>\n","protected":false},"excerpt":{"rendered":"

Une hausse des taux qui n’arr\u00eate pas les projets immobiliers La p\u00e9riode des taux de cr\u00e9dit immobilier bas est termin\u00e9e, mais elle n’arr\u00eate pas les projets immobiliers pour autant. Selon le barom\u00e8tre 2026 d’un grand courtier, la hausse moyenne des taux ajoute une vingtaine d’euros par mois pour un emprunt type, un effet r\u00e9el, mais […]<\/p>\n","protected":false},"author":1,"featured_media":9042,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[71],"tags":[],"class_list":["post-9041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nCr\u00e9dit immobilier : les taux remontent, les emprunteurs s'adaptent - Virginie PERRIN<\/title>\n<meta name=\"description\" content=\"Les taux de cr\u00e9dit immobilier remontent en 2026, mais les emprunteurs adaptent leurs projets plut\u00f4t que d'y renoncer. 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