{"id":6462,"date":"2012-08-13T13:11:53","date_gmt":"2012-08-13T11:11:53","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=6462"},"modified":"2012-08-13T13:11:53","modified_gmt":"2012-08-13T11:11:53","slug":"taux-credit-immobilier-en-devise-aout-2012","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2012\/08\/13\/taux-credit-immobilier-en-devise-aout-2012\/","title":{"rendered":"13\/08\/2012 &#8211; Les taux continuent de baisser"},"content":{"rendered":"<p style=\"text-align: justify\">\u00a0<\/p>\n<p>En moyenne, les taux des cr\u00e9dits immobiliers en franc suisse continuent de baisser, et ce, sur toutes les dur\u00e9es\u00a0:<\/p>\n<p>&#8211; pour les taux fixes, une baisse de 4 centimes en moyenne.<\/p>\n<p>&#8211; pour les taux cap\u00e9 1, la baisse est encore plus importante\u00a0: 15 centimes en moyenne.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #800080\">Quelques points de d\u00e9tails sur les taux des pr\u00eats en devise CHF :<\/span><\/p>\n<ul>\n<li><em>taux cap\u00e9 1\u00a0:<\/em><\/li>\n<\/ul>\n<p>Tout d\u2019abord, notons que le taux libor CHF 3 mois, en baisse depuis mai 2012, est pass\u00e9 de 0.095 % au 01.06.2012, \u00e0 0.052 % aujourd\u2019hui\u00a0!<\/p>\n<p>\u00a0&#8211; la plus forte baisse est enregistr\u00e9e sur le taux cap\u00e9 1 25 ans\u00a0: -18 centimes avec un taux moyen \u00e0 2.95 %. Ce niveau de taux est \u00e0 relativiser, car 2.95 %, c\u2019est aussi le taux fixe mini, sur la m\u00eame dur\u00e9e\u00a0!<\/p>\n<p>&#8211; Tr\u00e8s peu de changement au niveau des taux mini, hormis sur la dur\u00e9e de 25 ans\u00a0: un taux qui d\u00e9marre \u00e0 2.56 % (max 3.56 %) contre 2.62 % en juin (max 3.62 %)<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><em>taux fixe :<\/em><\/li>\n<\/ul>\n<p>&#8211; 50 % de nos partenaires bancaires ont baiss\u00e9 leur taux depuis le mois de juin. Un seul a remont\u00e9 ses taux (en moyenne +45 centimes\u00a0; cette hausse reste tout \u00e0 fait isol\u00e9e), et pour les autres, pas de changement.<\/p>\n<p>&#8211; Les taux mini restent tr\u00e8s bas. Il est toujours possible d\u2019emprunter sur 25 ans, avec un taux fixe en-dessous de 3 %\u00a0!<\/p>\n<p><a href=\"https:\/\/mon-taux-de-change.com\/wp-content\/uploads\/2012\/08\/Taux-credit-immo-CHF-2012.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-6464\" src=\"https:\/\/mon-taux-de-change.com\/wp-content\/uploads\/2012\/08\/Taux-credit-immo-CHF-2012.png\" alt=\"\" width=\"531\" height=\"224\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>La client\u00e8le de primo-acc\u00e9dants reste courtis\u00e9e avec des offres sp\u00e9cifiquement int\u00e9ressantes. Sous conditions, il est parfois possible de trouver un taux fixe sur 20 ans, en-dessous de 2.50 %\u00a0!<\/p>\n<p>Notons que l\u2019apport est toujours un \u00e9l\u00e9ment important pour pouvoir emprunter dans de bonnes conditions.<\/p>\n<p>Du fait de ces niveaux de taux tr\u00e8s bas, la p\u00e9riode est donc tout \u00e0 fait propice \u00e0 l\u2019achat immobilier.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 En moyenne, les taux des cr\u00e9dits immobiliers en franc suisse continuent de baisser, et ce, sur toutes les dur\u00e9es\u00a0: &#8211; pour les taux fixes, une baisse de 4 centimes en moyenne. &#8211; pour les taux cap\u00e9 1, la baisse est encore plus importante\u00a0: 15 centimes en moyenne. &nbsp; Quelques points de d\u00e9tails sur les [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6464,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":{"0":"post-6462","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-immobilier-actualites","8":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>13\/08\/2012 - Les taux continuent de baisser - 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\/2012\/08\/13\/taux-credit-immobilier-en-devise-aout-2012\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"13\/08\/2012 - Les taux continuent de baisser - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"\u00a0 En moyenne, les taux des cr\u00e9dits immobiliers en franc suisse continuent de baisser, et ce, sur toutes les dur\u00e9es\u00a0: &#8211; 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