[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$4btUnHcLHF":3},{"type":4,"alias":5,"id":6,"author":7,"title":8,"meta_title":8,"og_title":8,"description":9,"meta_description":9,"og_description":9,"published":10,"published_time":11,"changed":10,"changed_time":11,"full_changed_time":12,"created":13,"location":14,"visual":15,"radios":19,"episode":31,"category":57,"body":63},"article","\u002Farticles\u002Feconomie-et-societe\u002Fquestionnement-sur-les-prets-immobiliers","45816","Jean-Pierre Deramecourt","Questionnement sur les prêts immobiliers ","\u003Cp style=\"text-align:start\">Les banques n'accordent plus si facilement des prêts immobiliers. Les conditions de revenus et les niveaux d’apport personnel sont bien plus exigeants, sans oublier que les taux ne cessent d’augmenter. Pourquoi ? Cela va-t-il durer ? Vous souhaitez emprunter pour acquérir un appartement, une maison : Que faire ? Jean-Pierre Deramecourt ancien dirigeant de Banque, toujours actif dans le monde de la finance vous apporte des réponses.\u003C\u002Fp>\r\n\r\n\u003Cdiv style=\"text-align:start\"> \u003C\u002Fdiv>\r\n","12 septembre 2023","13:00","2023-09-12T13:00:00+02:00","11 septembre 2023","Strasbourg",{"url":16,"alt":17,"url_carre":18,"alt_carre":18},"https:\u002F\u002Fmedia.rcf.fr\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002F{style_name}\u002Fpublic\u002F2023-09\u002FPOLYCHROME_%20pixabay-nattanan23_0.jpg.webp","©nattanan23 via Pixabay","",[20],{"id":21,"name":22,"code":23,"shortname":24,"liveURL":25,"alias":26,"region":27,"channelId":30},"34366","RCF Alsace","RCF67","Alsace","\u002F\u002Frcf.streamakaci.com\u002Frcf67.mp3","\u002Falsace",{"id":28,"name":29},"34173","Grand Est",null,{"id":32,"type":33,"title":34,"digas":35,"published":10,"datetime":36,"description":37,"url_linked_article":5,"presenters":38,"visual":40,"show":42,"duration":50,"radios":51,"audio_file":54,"rolls":55},"399733","episode","Vous avez besoin d’un crédit immobilier : les banques vont elles vous prêter ?","ST-43777","2023-09-12T00:00:00+02:00","\u003Cp>Les banques n'accordent plus si facilement des prêts immobiliers. Les conditions de revenus et les niveaux d’apport personnel sont bien plus exigeants, sans oublier que les taux ne cessent d’augmenter. Pourquoi ? Cela va-t-il durer ? Vous souhaitez emprunter pour acquérir un appartement, une maison : Que faire ? Jean-Pierre Deramecourt ancien dirigeant de Banque, toujours actif dans le monde de la finance vous apporte des réponses.\u003C\u002Fp>\r\n",[39],"Deramecourt Jean- Pierre",{"alt":17,"url":41,"url_carre":30,"copyright":18},"https:\u002F\u002Fmedia.rcf.fr\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002F{style_name}\u002Fpublic\u002F2023-09\u002FPOLYCHROME_%20pixabay-nattanan23%20%281%29.jpg.webp",{"id":43,"title":44,"alias":45,"visual":46,"description":49},"45037","Polychrome, pour démêler le quotidien","\u002Feconomie-et-societe\u002Fpolychrome-pour-demeler-le-quotidien",{"url":47,"alt":48,"url_carre":18,"alt_carre":18},"https:\u002F\u002Fmedia.rcf.fr\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002F{style_name}\u002Fpublic\u002F2023-10\u002FPolychrome%2C%20pour%20d%C3%A9m%C3%AAler%20le%20quotidien.png.webp","© RCF Alsace","\u003Cp>Un panel d'experts est à votre service pour démêler votre quotidien. Allant des nouvelles technologies, la finance, le patrimoine ou le droit, toutes les thématiques seront abordées.\u003C\u002Fp>\r\n\r\n\u003Cp> \u003C\u002Fp>\r\n\r\n\u003Cp>Emission diffusée le mardi à 6h00 et 12h00, le samedi à 9h15, 17h15 et le dimanche à 17h15.\u003C\u002Fp>\r\n","1726080",[52],{"id":21,"name":22,"code":23,"shortname":24,"liveURL":25,"alias":26,"region":53,"channelId":30},{"id":28,"name":29},"https:\u002F\u002Faudio.audiomeans.fr\u002Fguid\u002F{source_code}\u002F\u002F1c9976d71bb34ce74a650f3b42f55dfbe133bdb4066b879f5fccdbfb62e028c7.mp3",{"podcast_not_roll":56},false,{"id":58,"type":59,"name":60,"alias":61,"description":62},"59394","category","Économie et Société","\u002Feconomie-et-societe","\u003Cp>\r\n\u003Cstyle type=\"text\u002Fcss\">\u003C!--td {border: 1px solid #cccccc;}br {mso-data-placement:same-cell;}-->\r\n\u003C\u002Fstyle>\r\nEconomie, éthique, santé, travail, logement... Prendre le pouls de notre société en plein bouleversement et vous donner des repères c'est la raison d'être de RCF !\u003C\u002Fp>\r\n",[64],{"id":65,"target_paragraph_type":66,"target_wysiwyg":67},"66051","wysiwyg_paragraph","\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Aujourd’hui, on peut considérer que  près la moitié des crédits immobiliers sollicités auprès des banques vont jusqu’au bout (source Meilleurs Taux). Par ailleurs, selon l’Observatoire du Crédit Logement CSA la production de crédit immobilier a été divisée par deux de mai à juillet 2023 par rapport à la même période en 2022.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"min-height:24.5px\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Ces pourcentages sont à prendre avec des nuances. En effet, les situations peuvent être différentes si l’on prend en compte plusieurs facteurs :  les refus de monter un dossier par les commerciaux (qui savent que ça ne marchera pas), les refus après constitution de dossier, les dossiers montés auprès d’un courtier ou auprès de sa banque, les dossiers pour les primo-accédants, les personnes qui vendent pour acheter autre chose… \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Mais une chose est certaine : les banques prêtent de moins en moins (10G€ en juillet hors renégociation. C’était de l’ordre du double en 2021\u002Fmois) \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"min-height:24.5px\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Il est objectivement plus difficile d’emprunter \u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">aujourd’hui.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan> Même si les encours de crédits immobiliers dans le Bilan des Banques (de l’ordre de 1300 G€) ne baissent pas. Ils continuent même d’augmenter (+2,7% en juillet). \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"min-height:24.5px\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Les Banques prêtent plus difficilement. Cela-dit, certains ménages décident aussi d’eux mêmes de renoncer à acheter par peur de l'endettement. Aujourd’hui, les capacités d’emprunt ont baissé de 27,5% par rapport à il y a un an. Beaucoup préfèrent attendre pour changer ou choisissent de louer. Ce qui crée une tension sur le marché de la location\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"min-height:24.5px\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"text-align:start\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Pour information, la situation est la même et même souvent pire dans de nombreux pays Européens :\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cul style=\"color:#222222; font-family:Arial, Helvetica, sans-serif; font-size:small; font-style:normal; font-variant-ligatures:normal; font-weight:400; text-align:start; white-space:normal; background-color:#ffffff; text-decoration-thickness:initial; text-decoration-style:initial; text-decoration-color:initial; list-style-type:"—  "\">\r\n\t\u003Cli style=\"font-stretch:normal; font-size:18.9px; line-height:normal; font-kerning:auto; font-variant-alternates:normal; font-variant-numeric:normal; font-variant-east-asian:normal; font-feature-settings:normal\">\u003Cspan style=\"font-size:17px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Les taux sont souvent plus élevés en Juillet : ils étaient d’environ de 0,5 points supérieurs en Allemagne, en Espagne et davantage en Italie\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fli>\r\n\t\u003Cli style=\"font-stretch:normal; font-size:18.9px; line-height:normal; font-kerning:auto; font-variant-alternates:normal; font-variant-numeric:normal; font-variant-east-asian:normal; font-feature-settings:normal\">\u003Cspan style=\"font-size:17px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Rappelons également que les taux resteront les mêmes en France sur toute la durée. En Espagne il n’est pas rare qu’ils soient variables c’est à dire que la charge de remboursement progresse avec la montée des taux. C’est aussi vrai en Allemagne où les mensualités peuvent augmenter par paliers.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fli>\r\n\u003C\u002Ful>\r\n\r\n\u003Cdiv style=\"text-align:start\">\u003Cspan style=\"font-size:small\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant-ligatures:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cfont face=\"UICTFontTextStyleBody\">\u003Cspan style=\"font-size:18.9px\">\u003C\u002Fspan>\u003C\u002Ffont>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fdiv>\r\n\r\n\u003Cdiv style=\"text-align:start\">\u003Cspan style=\"font-size:small\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant-ligatures:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\r\n\r\n\u003Cp>\u003Cspan style=\"font-size:small\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant-ligatures:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-variant-numeric:normal\">\u003Cspan style=\"font-variant-east-asian:normal\">\u003Cspan style=\"font-variant-alternates:normal\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Les banques prêtent moins mais elles prêtent toujours. Si le nombre de refus augmentent aujourd’hui c’est surtout parce que les emprunteurs sont restés sur les règles  des « années de grâce du crédit immobilier » : les banques ne réclamaient plus d’apport personnel, des ratios de mensualités de crédit par rapport au revenus mensuel appréciés très souplement.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp>\u003Cspan style=\"font-size:small\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant-ligatures:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-variant-numeric:normal\">\u003Cspan style=\"font-variant-east-asian:normal\">\u003Cspan style=\"font-variant-alternates:normal\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"min-height:24.5px\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp>\u003Cspan style=\"font-size:small\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant-ligatures:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-variant-numeric:normal\">\u003Cspan style=\"font-variant-east-asian:normal\">\u003Cspan style=\"font-variant-alternates:normal\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Si vous présentez aujourd’hui un dossier pour emprunter respectant les règles bancaires classiques, vous améliorerez très significativement vos capacités d’obtenir un crédit. \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp>\u003Cspan style=\"font-size:small\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-family:Arial, Helvetica, sans-serif\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"font-variant-ligatures:normal\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"white-space:normal\">\u003Cspan style=\"background-color:#ffffff\">\u003Cspan style=\"text-decoration-thickness:initial\">\u003Cspan style=\"text-decoration-style:initial\">\u003Cspan style=\"text-decoration-color:initial\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-variant-numeric:normal\">\u003Cspan style=\"font-variant-east-asian:normal\">\u003Cspan style=\"font-variant-alternates:normal\">\u003Cspan style=\"font-stretch:normal\">\u003Cspan style=\"line-height:normal\">\u003Cspan style=\"font-kerning:auto\">\u003Cspan style=\"font-feature-settings:normal\">\u003Cspan style=\"font-size:18.9px\">\u003Cspan style=\"font-family:UICTFontTextStyleBody\">Si, du fait de l’augmentation des taux, vous acceptez de revoir un peu à la baisse la valeur de ce que vous souhaitez  acheter - en clair si par exemple vous achetez moins grand - vous obtiendrez un prêt.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003C\u002Fdiv>\r\n"]