{"id":150004,"date":"2020-03-05T13:04:06","date_gmt":"2020-03-05T10:04:06","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=150004"},"modified":"2025-08-14T20:04:20","modified_gmt":"2025-08-14T17:04:20","slug":"mortgage-in-spain-forecasts-2020","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/fr\/articles\/mortgage-in-spain-forecasts-2020","title":{"rendered":"Caract\u00e9ristiques des pr\u00eats hypoth\u00e9caires en Espagne : r\u00e9sultats de 2019 et tendances de 2020"},"content":{"rendered":"<p>L&#39;Institut national des statistiques d&#39;Espagne (INE) a publi\u00e9 des donn\u00e9es sur les pr\u00eats hypoth\u00e9caires pour 2019. Selon les informations fournies dans le rapport INE, 357 720 pr\u00eats hypoth\u00e9caires ont \u00e9t\u00e9 accord\u00e9s en Espagne en 2019, soit 2,7 % de plus qu&#39;en 2018. De plus, il s&#39;agit du meilleur r\u00e9sultat annuel depuis 2011, malgr\u00e9 le ralentissement de l&#39;\u00e9conomie et l&#39;entr\u00e9e en vigueur de la nouvelle loi hypoth\u00e9caire.<\/p>\n<h2> Caract\u00e9ristiques des hypoth\u00e8ques en Espagne en 2019\u00a0: nouvelle loi<\/h2>\n<p> <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/news\/mortgage-in-spain-new-law\">L&#39;adoption d&#39;une nouvelle loi sur les hypoth\u00e8ques<\/a> au d\u00e9but de l&#39;\u00e9t\u00e9 2019 a eu un impact n\u00e9gatif sur la performance des pr\u00eats hypoth\u00e9caires par les banques, mais progressivement la situation a commenc\u00e9 \u00e0 se stabiliser, et d\u00e9j\u00e0 en d\u00e9cembre 30 285 hypoth\u00e8ques ont \u00e9t\u00e9 sign\u00e9es (+ 34 % sur un an). ). Selon les experts, la performance modeste des pr\u00eats hypoth\u00e9caires en 2019 est associ\u00e9e non seulement \u00e0 l&#39;adoption d&#39;une nouvelle loi et \u00e0 un ralentissement de l&#39;\u00e9conomie, mais aussi au fait qu&#39;auparavant trop de pr\u00eats hypoth\u00e9caires \u00e9taient \u00e9mis par un petit nombre d&#39;institutions financi\u00e8res. En ce qui concerne la nouvelle loi sur les hypoth\u00e8ques, selon l&#39;Association espagnole des banques (AEB), les donn\u00e9es du dernier mois de 2019 confirment que la baisse observ\u00e9e de juin (c&#39;est-\u00e0-dire depuis l&#39;adoption de la norme) \u00e0 novembre \u00e9tait due \u00e0 la p\u00e9riode d&#39;adaptation au passage : les banques ont eu besoin de ces quelques mois pour s&#39;adapter aux nouvelles conditions et exigences. \u00c0 la fin de cette p\u00e9riode, le march\u00e9 hypoth\u00e9caire en Espagne s&#39;est \u00e0 nouveau engag\u00e9 sur la voie d&#39;une forte croissance.<\/p>\n<h2> Caract\u00e9ristiques hypoth\u00e9caires en Espagne en 2019 : les hypoth\u00e8ques fixes conqui\u00e8rent le march\u00e9 <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-150007\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-14.jpg\" alt=\"Caract\u00e9ristiques des pr\u00eats hypoth\u00e9caires en Espagne : r\u00e9sultats de 2019 et tendances de 2020\" width=\"999\" height=\"667\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-14.jpg 999w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-14-300x200.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-14-768x513.jpg 768w\" sizes=\"auto, (max-width: 999px) 100vw, 999px\" \/> Un autre point important enregistr\u00e9 dans les statistiques est le renforcement progressif de la position des pr\u00eats hypoth\u00e9caires \u00e0 taux fixe. En d\u00e9cembre 2019, ils repr\u00e9sentaient 44 % de tous les pr\u00eats hypoth\u00e9caires \u00e9mis, tandis qu&#39;en octobre de la m\u00eame ann\u00e9e, un record historique de 45 % a \u00e9t\u00e9 atteint. Tout au long de 2019, selon les donn\u00e9es de l&#39;INE, 147 500 pr\u00eats hypoth\u00e9caires \u00e0 taux fixe ont \u00e9t\u00e9 sign\u00e9s. D&#39;autre part, le montant moyen des pr\u00eats hypoth\u00e9caires en 2019 a diminu\u00e9 de 4,2 %, tandis que le taux hypoth\u00e9caire moyen reste \u00e0 son plus bas niveau historique &#8211; 2,53 % par an en d\u00e9cembre 2019.<\/p>\n<h2> Caract\u00e9ristiques des pr\u00eats hypoth\u00e9caires en Espagne : tendances en 2020<\/h2>\n<p> Quant aux <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/mortgage-in-spain-2020\">pr\u00e9visions pour 2020<\/a> , les experts estiment que beaucoup d\u00e9pendra du niveau de <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/what-is-euribor\">l&#39;indice Eur\u00edbor<\/a> . Tant que l&#39;indice restera dans le domaine n\u00e9gatif, les cr\u00e9dits immobiliers \u00e0 taux diff\u00e9renci\u00e9s resteront tr\u00e8s populaires, notamment lorsqu&#39;il s&#39;agit de pr\u00eats \u00e0 10-15 ans. En janvier 2020, le taux Eur\u00edbor est \u00e0 -0,253%, ce qui signifie des \u00e9conomies sur les mensualit\u00e9s hypoth\u00e9caires pour ceux dont les hypoth\u00e8ques sont recalcul\u00e9es en janvier. Il convient de noter que, bien que l&#39;Eur\u00edbor soit toujours dans le champ n\u00e9gatif, depuis ao\u00fbt 2019, date \u00e0 laquelle son plus bas historique (-0,356%) a \u00e9t\u00e9 enregistr\u00e9, l&#39;indicateur a commenc\u00e9 \u00e0 augmenter.<\/p>\n<h2> Quel cr\u00e9dit immobilier choisir en 2020 &#8211; \u00e0 taux fixe ou diff\u00e9renci\u00e9 ? <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-150008\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-scaled.jpg\" alt=\"Caract\u00e9ristiques des pr\u00eats hypoth\u00e9caires en Espagne : r\u00e9sultats de 2019 et tendances de 2020\" width=\"2560\" height=\"1879\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-scaled.jpg 1600w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-300x220.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-1024x751.jpg 1024w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-768x564.jpg 768w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-1536x1127.jpg 1536w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/mortgage-in-spain-forecasts-2020-2-2048x1503.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/> Les experts conseillent <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/news\/mortgage-in-spain-2019\">de choisir le type d&#39;hypoth\u00e8que<\/a> en fonction de la dur\u00e9e du pr\u00eat. Selon les pr\u00e9visions actuelles, l&#39;indice ne conna\u00eetra pas de fluctuations importantes pendant au moins les trois prochaines ann\u00e9es. Ainsi, les pr\u00eats hypoth\u00e9caires \u00e0 taux progressifs seront une bonne option pour les pr\u00eats de moins de 10 ans. Parall\u00e8lement, il est n\u00e9cessaire d&#39;\u00e9tudier attentivement les conditions de remboursement anticip\u00e9 propos\u00e9es par la banque. En revanche, pour les pr\u00eats \u00e0 plus long terme, une hypoth\u00e8que fixe serait l&#39;option privil\u00e9gi\u00e9e, ce qui apporterait stabilit\u00e9 et certitude. [ce lieu] Cependant, il s&#39;agit de donn\u00e9es et de conseils tr\u00e8s moyens, car dans chaque cas, une \u00e9tude approfondie de tous les facteurs possibles doit \u00eatre effectu\u00e9e. Par cons\u00e9quent, il est pr\u00e9f\u00e9rable de confier la <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/mortgage-in-spain\">s\u00e9lection d&#39;un pr\u00eat hypoth\u00e9caire<\/a> qui convient le mieux \u00e0 votre situation \u00e0 un professionnel poss\u00e9dant une vaste exp\u00e9rience et une bonne connaissance du march\u00e9.<\/p>\n<h2> Caract\u00e9ristiques hypoth\u00e9caires en Espagne : Euribor Plus est l&#39;innovation la plus attendue de 2020<\/h2>\n<p> Depuis fin 2019, le march\u00e9 attend l&#39;entr\u00e9e en vigueur de l&#39;indice Euribor Plus, qui deviendra une nouvelle version de l&#39;Euribor actuel. Lors du calcul des valeurs du taux Euribor Plus, les donn\u00e9es d&#39;un plus grand nombre d&#39;institutions financi\u00e8res et gouvernementales seront utilis\u00e9es. La date exacte d&#39;entr\u00e9e en vigueur d&#39;Euribor Plus n&#39;a pas encore \u00e9t\u00e9 annonc\u00e9e, mais on sait d\u00e9j\u00e0 que les premiers mois apr\u00e8s son lancement seront une p\u00e9riode de test de son efficacit\u00e9. Rappelons qu&#39;Alegr\u00eda offre \u00e0 ses clients une approbation \u00e0 100% des pr\u00eats hypoth\u00e9caires au niveau de la banque apr\u00e8s analyse pr\u00e9liminaire <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/documents-for-buying-property-in-spain\">des documents<\/a> par nos experts. Vous pouvez consulter le catalogue immobilier Alegr\u00eda <a href=\"https:\/\/alegria-realestate.com\/ru\/\">ici<\/a> .<\/p>","protected":false},"excerpt":{"rendered":"<p>L&#39;Institut national des statistiques d&#39;Espagne (INE) a publi\u00e9 des\u2026<\/p>\n","protected":false},"author":18,"featured_media":150006,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-150004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-mortgage-in-spain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443: 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