Nouvelle année, nouveaux taux ? Pas vraiment pour le moment. En effet, le mois de janvier présente un baromètre des taux similaire à celui du mois de décembre.

Seuls 3 taux évoluent :
– Le taux mini sur 10 ans présente une baisse de 4 centimes ;
– Le taux moyen sur 10 ans affiche une hausse de 5 centimes ;
– Le taux moyen sur 25 ans recule de 5 centimes.
Pourtant, nous avons reçu plusieurs barèmes depuis notre dernière lettre sur les taux nationaux (le 4 décembre dernier) : 26 nouvelles grilles bancaires au total ; dont 15 sont en baisse. Pour autant, statu quo sur les taux les plus demandés par les emprunteurs, puisque les taux sur 15 et 20 ans sont stables. Comme prévu, les banques restent attentistes en ce début d’année, indique Frédéric DEVAUX, gérant de l’agence Empruntis de Colomiers. Elles attendent de voir comment va évoluer la demande avec les nouvelles conditions de marché (PTZ, APL accession, prix de l’immobilier…). Toutefois, la situation pourrait évoluer : la décision du Conseil Constitutionnel sur l’Amendement Bourquin (résiliation annuelle de l’assurance emprunteur pour les crédits souscrits avant le 22/02/2017) et l’évolution récente des OAT (indicateur de référence pour les taux, égal à 0,72% au 02 janvier VS 0,55% lors de notre dernière lettre) pourraient jouer en ce sens.


Taux relevés le 03/01/2018. Les taux indiqués s’entendent hors assurances, selon le profil et le besoin.

Empruntis Colomiers
21 bis, rue d’Auch 31770 Colomiers
Port. : 06 62 45 70 61
Fixe : 05 34 50 11 00
Fax : 05 34 50 11 01

Empruntis l’Isle Jourdain
35, route de Toulouse
Fixe : 05 62 59 20 71
Fax : 05 62 59 02 14



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