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Le financement de l’habitat en 2019

Author

Listed:
  • Laurent FAIVRE
  • Camille LAMBERT-GIRAULT
  • Emmanuel POINT

Abstract

Dans un environnement où les taux d’intérêt ont à nouveau baissé pour atteindre des plus bas historiques, le marché de l’immobilier résidentiel a été très dynamique en France en 2019 : le nombre de transactions a atteint un nouveau pic historique de 1 065 000 ventes, tandis que l’indice INSEE des prix dans l’ancien a progressé de 3,8 % en métropole (+4 % en Île-de-France et +3,6 % en Province). Dans cet environnement, la production annuelle de crédits à l’habitat s’est élevée à 246,4 milliards d’euros en 2019, soit une hausse de 21,3 % par rapport à 2018. Dans le même temps, les encours de crédits à l’habitat ont enregistré sur l’année une croissance de 6,8 %.

Suggested Citation

  • Laurent FAIVRE & Camille LAMBERT-GIRAULT & Emmanuel POINT, 2020. "Le financement de l’habitat en 2019," Analyse et synthèse 114, Banque de France.
    • Handle: RePEc:bfr:analys:114
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    File URL: https://acpr.banque-france.fr/sites/default/files/medias/documents/20200731_as_114_financement_habitat_2019_vf.pdf
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    More about this item

    Keywords

    crédits à l’habitat des particuliers; prêt moyen; durée moyenne; loan to value; taux d’effort; encours douteux et provisions; coût du risque;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R21 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Housing Demand
    • R31 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Housing Supply and Markets

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