{"id":6712,"date":"2012-09-20T14:52:59","date_gmt":"2012-09-20T12:52:59","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=6712"},"modified":"2012-09-20T14:52:59","modified_gmt":"2012-09-20T12:52:59","slug":"20092012-vive-la-rentree","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2012\/09\/20\/20092012-vive-la-rentree\/","title":{"rendered":"20\/09\/2012 &#8211; Vive la rentr\u00e9e !"},"content":{"rendered":"<p>Actuellement, les taux des cr\u00e9dits en devise CHF enregistrent leur plus bas niveau de l\u2019ann\u00e9e 2012\u00a0!<\/p>\n<p>C\u2019est la rentr\u00e9e, et gr\u00e2ce \u00e0 la baisse des taux des cr\u00e9dits immobiliers en francs suisses, et donc des co\u00fbts de cr\u00e9dits, les acheteurs se font plus nombreux en ce mois de septembre.\u00a0<\/p>\n<p><\/p>\n<p><span style=\"color: #800080\">Quelques points de d\u00e9tail 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>&#8211; Pour les taux cap\u00e9 1, c\u2019est 75 % de nos partenaires bancaires qui ont baiss\u00e9 leur taux, en moyenne, de 11 centimes.<\/p>\n<p>&#8211; La plus forte baisse est enregistr\u00e9e sur le taux cap\u00e9 1, sur 25 ans, avec un d\u00e9part \u00e0 2.27 %( libor CHF 3 mois \u00e0 0.05 % inclus).<\/p>\n<p><\/p>\n<ul>\n<li><em>Taux fixe :<\/em><\/li>\n<\/ul>\n<p>&#8211; 83 % des \u00e9tablissements bancaires ont baiss\u00e9 leur taux fixes, toutes dur\u00e9es confondues\u00a0: en moyenne, ceci repr\u00e9sente une baisse de 24 centimes, par rapport au mois d\u2019ao\u00fbt 2012.<\/p>\n<p>&#8211; Le meilleur taux fixe, sur 25 ans, s\u2019\u00e9tablit \u00e0 2.60 %\u00a0: c\u2019\u00e9tait le meilleur taux fixe 20 ans du mois dernier\u00a0!<\/p>\n<p><\/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\/09\/Evolution-des-taux-des-pr\u00eats-immo-CHF-Septembre.png\" alt=\"Evolution des taux des pr\u00eats immo en CHF Septembre\" width=\"550\" height=\"223\" \/><\/a><\/p>\n<p><\/p>\n<p>Pour le 1<sup>er<\/sup> semestre 2012, la production de cr\u00e9dits immobiliers est en recul\u00a0: &#8211;\u00a0 33,1% en glissement annuel, selon l\u2019observatoire Cr\u00e9dit Logement\u00a0 &#8211; Institut CSA.\u00a0<\/p>\n<p>Il en est de m\u00eame pour la production des cr\u00e9dits immobiliers en francs suisses.\u00a0<\/p>\n<p>Et d\u2019ici la fin de l\u2019ann\u00e9e, les organismes de cr\u00e9dit vont devoir atteindre leurs objectifs commerciaux.\u00a0<\/p>\n<p>La baisse des taux est donc un levier important pour poursuivre l\u2019op\u00e9ration s\u00e9duction des \u00e9tablissements bancaires aupr\u00e8s d\u2019acheteurs potentiels.<\/p>\n<p>Les autres conditions d\u2019octroi de cr\u00e9dits immobiliers restent surveill\u00e9es par les banques et les organismes de caution (apport, dur\u00e9e de financement, \u2026), mais pour les emprunteurs au profil s\u00e9rieux et s\u00e9curisant, l\u2019investissement immobilier peut \u00eatre r\u00e9alis\u00e9, aujourd\u2019hui, \u00e0 moindre co\u00fbt.\u00a0<\/p>\n<p><\/p>\n<p>A vos projets immobiliers\u00a0!<\/p>\n<p><\/p>\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Actuellement, les taux des cr\u00e9dits en devise CHF enregistrent leur plus bas niveau de l\u2019ann\u00e9e 2012\u00a0! C\u2019est la rentr\u00e9e, et gr\u00e2ce \u00e0 la baisse des taux des cr\u00e9dits immobiliers en francs suisses, et donc des co\u00fbts de cr\u00e9dits, les acheteurs se font plus nombreux en ce mois de septembre.\u00a0 Quelques points de d\u00e9tail 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-6712","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>20\/09\/2012 - Vive la rentr\u00e9e ! - 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\/09\/20\/20092012-vive-la-rentree\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"20\/09\/2012 - Vive la rentr\u00e9e ! - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"Actuellement, les taux des cr\u00e9dits en devise CHF enregistrent leur plus bas niveau de l\u2019ann\u00e9e 2012\u00a0! 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