Actualités comptables
Crédit immobilier : un taux de l’usure ajusté mensuellement ?

Crédit immobilier : un taux de l’usure ajusté mensuellement ?

Publiée le lundi 30 janvier 2023 à 05h47 dans Actu Juridique

Le taux de l’usure est actuellement en train de remonter en raison de la hausse des crédits immobiliers. Pour préserver un large accès des emprunteurs au crédit immobilier, le Gouvernement va-t-il revoir ce taux mensuellement et non plus trimestriellement ?


Crédit immobilier : protéger les emprunteurs des taux excessifs

Depuis 1 an, le taux de l’usure augmente. Or, il est utilisé pour calculer le taux des crédits immobiliers : par voie de conséquence, corrélativement à cette augmentation, les taux des crédits immobiliers sont donc aussi en hausse depuis 1 an.

D’où une autre conséquence : cette hausse limite l’accès des emprunteurs au crédit immobilier, ce qui impacte le marché immobilier.

Pour limiter cet impact, le Gouvernement a décidé que le taux de l’usure sera désormais revu mensuellement et non plus tous les trimestres, dès ce mois de février 2023, pour une durée de 6 mois.

L’objectif affiché est de permettre un lissage des hausses du taux de l’usure.

Source :

  • Actualité de la Banque de France du 20 janvier 2023 : « La Banque de France propose, pour une durée limitée, un ajustement mensuel des taux d’usure à compter du 1er février »
  • Arrêté du 26 janvier 2023 portant adoption de mesures transitoires sur le calcul de l'usure en application de l'article L. 314-8 du code de la consommation et de l'article L. 313-5 du code monétaire et financier

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