{"id":9014,"date":"2015-02-10T14:26:31","date_gmt":"2015-02-10T13:26:31","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=9014"},"modified":"2015-02-10T14:26:31","modified_gmt":"2015-02-10T13:26:31","slug":"10022015-taux-des-credits-immobiliers-en-devise-du-jamais-vu","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2015\/02\/10\/10022015-taux-des-credits-immobiliers-en-devise-du-jamais-vu\/","title":{"rendered":"10\/02\/2015 &#8211; Taux des cr\u00e9dits immobiliers en devise, du jamais vu."},"content":{"rendered":"<p dir=\"ltr\">Il faut bien avouer que nous vivons une p\u00e9riode unique tant au niveau du taux de change que des taux des cr\u00e9dits immobiliers. Avec des int\u00e9r\u00eats n\u00e9gatifs, nous sommes dans des territoires de taux jamais envisag\u00e9s ! Cette situation est difficile pour la plupart des banques qui ont rapidement supprim\u00e9 les cr\u00e9dits \u00e0 taux variables de leurs offres. Il semble que l\u2019int\u00e9gration d\u2019un taux \u00a0Libor 3 mois actuellement \u00e0 -0,89% pose des probl\u00e8mes aux \u00e9tablissements bancaires tant d\u2019un point de vue technique que financier. Ce mois, les conditions des cr\u00e9dits \u00e0 taux cap\u00e9 que nous communiquons se basent uniquement sur les donn\u00e9es d\u2019un \u00e9tablissement bancaire mais sont spectaculaires : 0,42% marge comprise pour un financement sur 20 ans.<\/p>\n<p>Baisse spectaculaire \u00e9galement pour les cr\u00e9dits immobiliers \u00e0 taux fixe en CHF qui plongent (pour les meilleurs dossiers) jusqu\u2019\u00e0 1,17% sur 15 ans, 1,29% sur 20 ans voir 1,50% sur 25 ans, incroyable ! Nous notons toutefois que tous les \u00e9tablissements bancaires n\u2019ont pas tous r\u00e9percut\u00e9 la baisse. Les \u00e9carts entre les banques se creusent notamment sur le 25 ans ou nous constatons une diff\u00e9rence de 0,85% entre le mieux et le moins bien plac\u00e9. (Cela repr\u00e9sente une diff\u00e9rence de 24\u2019698.- CHF pour un financement de 200\u2019000.- CHF).Notre r\u00f4le de courtier devient encore plus important dans ce contexte et vous permet de faire de sympathiques \u00e9conomiques. Nous attirons votre attention sur la diff\u00e9rence de prestation que pourra vous offrir un courtier selon s\u2019il est bas\u00e9 en France ou en Suisse. Avec la r\u00e9glementation sur les IOBSP (Interm\u00e9diaire en Op\u00e9ration de Banque et Services de Paiement) en vigueur c\u00f4t\u00e9 fran\u00e7ais depuis d\u00e9but 2014, les courtiers suisses ne remplissant \u00a0pas toutes les exigences n\u00e9cessaires ( exp\u00e9rience, transparence, responsabilit\u00e9 civile) n\u2019ont plus acc\u00e8s \u00e0 tous les \u00e9tablissements bancaires de la place. Son conseil pourra \u00eatre fauss\u00e9 car il ne prendra en compte qu\u2019une partie des offres disponibles sur le march\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il faut bien avouer que nous vivons une p\u00e9riode unique tant au niveau du taux de change que des taux des cr\u00e9dits immobiliers. Avec des int\u00e9r\u00eats n\u00e9gatifs, nous sommes dans des territoires de taux jamais envisag\u00e9s ! Cette situation est difficile pour la plupart des banques qui ont rapidement supprim\u00e9 les cr\u00e9dits \u00e0 taux variables [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,4],"tags":[],"class_list":{"0":"post-9014","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-immobilier-actualites","7":"category-rachat-de-credits-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>10\/02\/2015 - Taux des cr\u00e9dits immobiliers en devise, du jamais vu. - 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\/2015\/02\/10\/10022015-taux-des-credits-immobiliers-en-devise-du-jamais-vu\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10\/02\/2015 - Taux des cr\u00e9dits immobiliers en devise, du jamais vu. - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"Il faut bien avouer que nous vivons une p\u00e9riode unique tant au niveau du taux de change que des taux des cr\u00e9dits immobiliers. 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