{"id":3601,"date":"2011-10-06T16:47:08","date_gmt":"2011-10-06T14:47:08","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=3601"},"modified":"2011-10-06T16:47:08","modified_gmt":"2011-10-06T14:47:08","slug":"041111-credits-immobiliers-en-franc-suisse-les-ecarts-se-creusent","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2011\/10\/06\/041111-credits-immobiliers-en-franc-suisse-les-ecarts-se-creusent\/","title":{"rendered":"06\/10\/11 &#8211; Cr\u00e9dits immobiliers en franc suisse. Les \u00e9carts se creusent."},"content":{"rendered":"<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">Malmen\u00e9es sur les march\u00e9s et par les agences de notations, les banques ont toutes durci significativement leurs conditions d\u2019octroi. Bien que les \u00e9tablissements bancaires aient pris la m\u00eame orientation en termes d\u2019acceptation de cr\u00e9dit, leurs positions sur le front des taux sont divergentes. Si par le pass\u00e9 l\u2019\u00e9cart entre les offres \u00e9tait de l\u2019ordre de 0,20, il est aujourd\u2019hui sup\u00e9rieur \u00e0 0,60. Actuellement, la meilleure offre \u00e0 taux fixe pour un cr\u00e9dit en devise sur 25 ans s\u2019\u00e9l\u00e8ve \u00e0 2,50% contre 2,70% d\u00e9but Ao\u00fbt, soit pour un cr\u00e9dit de 300\u2019000CHF, une \u00e9conomie par mois de 40.-CHF soit 12&#8217;000.-CHF sur toute la dur\u00e9e du financement. Pour ce qui concerne les taux variables, la meilleure offre pour un pr\u00eat Cap\u00e9 + 1 est situ\u00e9e \u00e0 2,15% pour un maximum \u00e0 3,15%. Alors que le Libor 3 mois flirte avec un taux z\u00e9ro (0,03% \u00e0 ce jour), les banques qui pratiquent encore ce genre de financement en ont profit\u00e9 pour remonter leurs marges, passant de 0,60 en Ao\u00fbt \u00e0 1,10 \u00e0 fin septembre.<\/span><\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\"><span style=\"color: #339966;font-size: small\"><em>Conseil Mon-taux.com<\/em> : ce mois encore compte tenu des conditions, nous pl\u00e9biscitons le taux fixe. Les conditions de d\u00e9part des cr\u00e9dits \u00e0 taux variables et cap\u00e9 sont tr\u00e8s all\u00e9chantes. Mais il faut se projeter sur la dur\u00e9e totale de votre financement. Et si on se base sur l\u2019historique des 20 derni\u00e8res ann\u00e9es du Libor 3 mois, vous serez tr\u00e8s rapidement au sommet du cap\u2026<\/span><\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 Malmen\u00e9es sur les march\u00e9s et par les agences de notations, les banques ont toutes durci significativement leurs conditions d\u2019octroi. Bien que les \u00e9tablissements bancaires aient pris la m\u00eame orientation en termes d\u2019acceptation de cr\u00e9dit, leurs positions sur le front des taux sont divergentes. Si par le pass\u00e9 l\u2019\u00e9cart entre les offres \u00e9tait de l\u2019ordre [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[28],"class_list":{"0":"post-3601","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-immobilier-actualites","7":"tag-libor","8":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>06\/10\/11 - Cr\u00e9dits immobiliers en franc suisse. 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