{"id":2343,"date":"2011-05-02T17:27:16","date_gmt":"2011-05-02T15:27:16","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=2343"},"modified":"2011-05-02T17:27:16","modified_gmt":"2011-05-02T15:27:16","slug":"les-taux-des-prets-en-devise-toujours-oriente-a-la-hausse","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2011\/05\/02\/les-taux-des-prets-en-devise-toujours-oriente-a-la-hausse\/","title":{"rendered":"02\/05\/11 &#8211; Les taux des pr\u00eats en devise toujours orient\u00e9s \u00e0 la hausse"},"content":{"rendered":"<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\">Ce mois encore nous constatons une nouvelle <strong>augmentation <\/strong>des <strong>cr\u00e9dits immobiliers<\/strong> en <strong>Franc Suisse <\/strong>\u00e0 <strong>taux fixes et cap\u00e9s<\/strong>. <span style=\"font-size: small\">Plus marqu\u00e9e que les pr\u00e9c\u00e9dentes, cette hausse s\u2019\u00e9tale de 15 \u00e0 30 cts selon les dur\u00e9es et les types de financement (fixe ou cap\u00e9). Le taux moyen g\u00e9n\u00e9ralement constat\u00e9 pour un financement sur 25 ans est maintenant port\u00e9 \u00e0 3% pour un taux fixe et 2.55% pour un Cape +1. Cette augmentation est en ligne avec la hausse des obligations de la conf\u00e9d\u00e9ration \u00e0 10 ans qui est pass\u00e9 de 1.85 \u00e0 2.10 en mois.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">La hausse des taux devrait se poursuivre \u00e0 ce rythme pour les 2 prochains mois avant de se stabiliser sur ce nouveau palier.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">Le taux Libor 3 mois reste lui quasi-inchang\u00e9 \u00e0 0.19 ce qui permet de mettre en place aujourd\u2019hui des financements en CHF \u00e0 taux variable \u00e0 partir de 0.69%. La Banque Nationale Suisse (BNS) poursuit une politique de taux bas pour pr\u00e9venir une hausse excessive du franc suisse vis-\u00e0-vis de l\u2019Euro. Une remont\u00e9e du taux Libor est \u00e0 pr\u00e9voir pour le second semestre de 2011 pour finir l\u2019ann\u00e9e entre 0.50% et 0.75%.<\/span><\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\"><span style=\"color: #008000\"><span style=\"font-size: small\"><strong><span style=\"text-decoration: underline\">Conseil Mon-taux.com\u00a0:<\/span><\/strong> dans le contexte actuel de hausse des taux, nous recommandons la mise en place de financements \u00e0 taux fixes. Si les taux cap\u00e9 restent int\u00e9ressants, il faut prendre en consid\u00e9ration le niveau moyen sur toute la dur\u00e9e du cr\u00e9dit. Pour un Cap\u00e9 + 1\u00a0 avec un taux initial \u00e0 2.55% sur 25 ans, il est fort probable que sur la dur\u00e9e totale du cr\u00e9dit le taux moyen soit plus proche du cap soit 3,55% que du taux fixe \u00e0 3% .<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 Ce mois encore nous constatons une nouvelle augmentation des cr\u00e9dits immobiliers en Franc Suisse \u00e0 taux fixes et cap\u00e9s. Plus marqu\u00e9e que les pr\u00e9c\u00e9dentes, cette hausse s\u2019\u00e9tale de 15 \u00e0 30 cts selon les dur\u00e9es et les types de financement (fixe ou cap\u00e9). Le taux moyen g\u00e9n\u00e9ralement constat\u00e9 pour un financement sur 25 ans [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":{"0":"post-2343","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-immobilier-actualites","7":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>02\/05\/11 - Les taux des pr\u00eats en devise toujours orient\u00e9s \u00e0 la hausse - Mon-taux.com - Blog des experts en frontaliers<\/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:\/\/mon-taux.com\/blog\/2011\/05\/02\/les-taux-des-prets-en-devise-toujours-oriente-a-la-hausse\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"02\/05\/11 - Les taux des pr\u00eats en devise toujours orient\u00e9s \u00e0 la hausse - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"\u00a0 Ce mois encore nous constatons une nouvelle augmentation des cr\u00e9dits immobiliers en Franc Suisse \u00e0 taux fixes et cap\u00e9s. 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