{"id":48627,"date":"2024-08-22T08:45:00","date_gmt":"2024-08-22T06:45:00","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=48627"},"modified":"2024-08-21T17:45:10","modified_gmt":"2024-08-21T15:45:10","slug":"comment-evolue-le-marche-hypothecaire","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/fr\/2024\/08\/22\/comment-evolue-le-marche-hypothecaire\/","title":{"rendered":"Comment \u00e9volue le march\u00e9 hypoth\u00e9caire?"},"content":{"rendered":"\n

Le march\u00e9 hypoth\u00e9caire progresse timidement dans sa reprise, bien qu’il ne soit pas exempt de fluctuations. Selon les derni\u00e8res donn\u00e9es sur les hypoth\u00e8ques publi\u00e9es par l’Institut National de la Statistique (INE)<\/a>, correspondant au mois de mai, la signature d’hypoth\u00e8ques est revenue dans le rouge apr\u00e8s avoir vu une \u00e9claircie en avril. Si au cours du quatri\u00e8me mois de l’ann\u00e9e les op\u00e9rations ont augment\u00e9 de 28 %, enregistrant le meilleur mois d’avril en 14 ans (34 264 hypoth\u00e8ques), les chiffres de mai (27 435) ont diminu\u00e9 de 18,2 %. L’Andalousie (5 496), Madrid (5 494) et la Catalogne (5 241) ont \u00e9t\u00e9 les r\u00e9gions qui ont enregistr\u00e9 le plus grand nombre d’hypoth\u00e8ques constitu\u00e9es sur des logements en mai cette ann\u00e9e.<\/p>\n\n\n\n

Parall\u00e8lement, les ventes de logements<\/a> ont chut\u00e9 de 21,5 %, en attendant de nouvelles baisses des taux d’int\u00e9r\u00eat. Mai s’est termin\u00e9 avec 44 013 transactions, et avril avec 53 091, soit le deuxi\u00e8me meilleur chiffre de l’ann\u00e9e. Ces chiffres mettent en \u00e9vidence les difficult\u00e9s d’acc\u00e8s au logement, avec de moins en moins d’offres<\/a> \u00e0 la vente et un financement tr\u00e8s exigeant.<\/p>\n\n\n\n

De son c\u00f4t\u00e9, la Banque Centrale Europ\u00e9enne (BCE) vient d’annoncer qu’elle maintiendra les taux d’int\u00e9r\u00eat stables au niveau actuel de 4,25 %, et ce n’est qu’en septembre qu’elle r\u00e9examinera la d\u00e9cision de proc\u00e9der ou non \u00e0 des baisses. De nombreux futurs propri\u00e9taires surveillent de pr\u00e8s l’\u00e9volution de l’indice de r\u00e9f\u00e9rence pour se lancer dans l’achat d’un logement et demander une hypoth\u00e8que. Et il faut dire que la baisse des taux d’int\u00e9r\u00eat sera la cl\u00e9 de la reprise du march\u00e9 hypoth\u00e9caire en 2024.<\/a><\/p>\n\n\n\n

Profil des demandeurs de pr\u00eats hypoth\u00e9caires<\/strong><\/h2>\n\n\n\n

Mais qui signe les hypoth\u00e8ques en Espagne ? Selon une \u00e9tude r\u00e9cente r\u00e9alis\u00e9e par le Conseil G\u00e9n\u00e9ral du Notariat<\/a>, \u00e0 l’occasion du cinqui\u00e8me anniversaire de la loi r\u00e9gissant les contrats de cr\u00e9dit immobilier (LCCI)<\/a>, la tranche d’\u00e2ge dans laquelle la plupart des hypoth\u00e8ques sont contract\u00e9es en Espagne se situe entre 35 et 44 ans (33,4 % du total). Elle est suivie par le groupe \u00e2g\u00e9 de 45 \u00e0 54 ans, avec 29,6 %, et celui de 25 \u00e0 34 ans, avec 20,9 %.<\/p>\n\n\n\n

Les conclusions de cette analyse indiquent \u00e9galement que, au premier trimestre de l’ann\u00e9e, 51,8 % des futurs emprunteurs hypoth\u00e9caires \u00e9taient des hommes et 48,2 % des femmes. Dans 53,9 % des cas, les hypoth\u00e8ques ont \u00e9t\u00e9 demand\u00e9es par deux personnes.<\/p>\n\n\n\n

De plus, 89,7 % des signataires d’actes notari\u00e9s de transparence pr\u00e9alables aux hypoth\u00e8ques \u00e9taient d’origine nationale, contre 10,3 % d’\u00e9trangers. Dans ce cas, le rapport annuel 2023 du march\u00e9 hypoth\u00e9caire d’Idealista r\u00e9v\u00e8le que les \u00e9trangers qui ont sign\u00e9 le plus d’hypoth\u00e8ques en 2023<\/a> \u00e9taient les Britanniques, avec 15,5 % du total, suivis des Allemands (14,1 %) et des Suisses (9 %). Il convient de noter que les conditions des hypoth\u00e8ques pour les non-r\u00e9sidents sont plus restrictives que pour les nationaux, car elles couvrent entre 70 % et 60 % de la valeur d’\u00e9valuation du bien, au lieu de 80 %.<\/p>\n\n\n\n

L’effort pour acheter un logement est en augmentation<\/strong><\/h2>\n\n\n\n

Aujourd’hui, acc\u00e9der \u00e0 un logement en Espagne demande bien plus d’efforts qu’il y a plusieurs d\u00e9cennies. Un effort qui a particuli\u00e8rement explos\u00e9 ces derni\u00e8res ann\u00e9es, au point que les Espagnols consacrent l’int\u00e9gralit\u00e9 du salaire de 6,7 ans (81 mois) au remboursement de l’hypoth\u00e8que, selon l’\u00e9tude \u00ab\u00a0Relation des salaires et l’achat de logement en 2023<\/a>\u00ab\u00a0, r\u00e9alis\u00e9e par Fotocasa et InfoJobs. Les \u00celes Bal\u00e9ares sont la r\u00e9gion o\u00f9 le salaire brut le plus \u00e9lev\u00e9 est consacr\u00e9 au paiement d’un bien immobilier (12 ans). Les r\u00e9sidents de Ciudad Real, en revanche, y consacrent 2,8 ans.<\/p>\n","protected":false},"excerpt":{"rendered":"

La tranche d’\u00e2ge dans laquelle le plus de pr\u00eats hypoth\u00e9caires sont contract\u00e9s en Espagne se situe entre 35 et 44 ans.<\/p>\n","protected":false},"author":1,"featured_media":48686,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1026],"tags":[1152],"class_list":["post-48627","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement-immobilier-fr","tag-hypotheques"],"blocksy_meta":[],"yoast_head":"\nComment \u00e9volue le march\u00e9 hypoth\u00e9caire? - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"Le march\u00e9 hypoth\u00e9caire se r\u00e9tablit timidement, bien que la signature de pr\u00eats hypoth\u00e9caires soit revenue dans le rouge apr\u00e8s avoir vu le jour en avril.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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