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Nota n°44538 da zummduyiwc il 06/09/2013 @ 17:36
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Le Alors que le , les prêts immobiliers sont en chute libre. En 2012, le montant des crédits immobiliers s'est en effet effondré de 26% par rapport à l'année précédente, dans une fourchette comprise entre 117,5 et 120,?????? ??,5 milliards d'euros,?????? ??????, selon une étude de publiée jeudi. Soit une chute de plus 40 milliards d'euros en seulement un an.Cet effondrement reflète directement , chiffré à -18% par les Notaires : de 800.000 en 2011 à 650.000 en 2012. Le recul des ventes a d'abord touché le neuf avant de s'étendre à l'ancien en cours d'année. Pour la Banque de France, cette tendance s'explique surtout par "un net recul de la demande des ménages". alimente l'attentisme des acheteurs d'autant plus que les prix résistent à la baisse. Les candidats à l'accession à la propriété subissent également un léger resserrement des conditions de crédit. plus conséquent contribue ainsi à l'exclusion du marché des ménages les moins aisés et réduit les montant finalement empruntés. Mais l'évolution des contraintes règlementaires et fiscales a aussi joué un r?le déterminant.Michel Mouillart, professeur d'économie à l'Université Paris-Ouest et auteur de l'étude de l'Observatoire Crédit Logement/CSA, met ainsi en cause la fin du PTZ+ (prêt à taux zéro) dans l'ancien et la réduction des avantages du dispositif Scellier destiné à favorier l'investissement locatif.Résultat, après un premier semestre calamiteux (-33,1%), la production de crédits immobiliers ne s'est pas ressaisie, mis à part en octobre et novembre, et ce, malgré la baisse continue du niveau des taux d'intérêt. Le taux moyen a ainsi atteint le plus bas niveau de l'histoire en décembre, à 3,????,22%. Sur l'ensemble de 2012, 79,2% des prêts ont été accordés à un taux inférieur ou égal à 4%,?????, contre seulement 60,7% en 2011.Quelle tendance pour 2013?A priori,?????? ???, on voit mal comment les choses pourraient s'inverser. Le Notaires s'attendent ainsi à une nouvelle baisse des transactions en 2013 aux alentours de 600.000. Outre une conjoncture économique qui ne donne aucun signe d'amélioration, les et du vont continuer à se faire sentir. L'abaissement des plafonds de ressources restreint en effet la population qui y est éligible. De 72.000 PTZ+ en 2012, la production devrait descendre à 55.000 en 2013, selon les estimations de M. Mouillart.Quant au Scellier, ne rencontre aucun écho auprès des investisseurs. Le barème des loyers qui doit être utilisé pour définir concrètement les plafonds applicables n'a pas encore été publié, ce qui ne permet pas d'effectuer des projections financières.Pour M. Mouillart, le nouveau calibrage du Scellier en 2012 a fait baisser l'investissement locatif de 20.000 unités par rapport à 2011 et le passage au Duflot devrait de nouveau faire reculer les acquisitions de 15.000 unités supplémentaires. Enfin sur le front des taux, il ne faut plus compter sur une baisse aussi sensible qu'en 2012 même si le taux moyen des prêt immobilier aurait touché un nouveau plus bas historique à 3,19% à la mi janvier. "On est sur la fin de la baisse, très certainement",???? ??, prédit M. Mouillart, projection confirmée par plusieurs banquiers. Une légère remontée pourrait s'observer à l'automne.Au final,???? ???, le seul paramètre susceptible de débloquer le marché - aussi bien celui des transactions que des crédits immobiliers - est donc le prix. Mais le débat continue de faire rage entre les tenants d'une bulle immobilière qui doit exploser et les tenants d'une demande insatisfaite de logements soutenant les prix. La Fnaim, par exemple, ne parie pour l'instant que sur une baisse limitée à 2%. Un avis partagé par Michel Mouillart qui ne croit pas vraiment à une correction de nature à relancer la demande. "Aucun de ceux qui annoncent des baisses de 10% ou plus n'a de véritable modèle de prévision",?????, estime-t-il.Résultat,?????, le montant des crédits immobiliers "va descendre encore un peu", pour se porter autour de 110 milliards d'euros en 2013,?????, prévient encore M. Mouillart. Un atterrissage qui signera probablement "la fin de la chute" mais pas un redémarrage du marché. Autrement dit, on va se contenter de toucher le fond. "Il y a un minimum d'opérations qui doivent être réalisées", sauf à imaginer un effondrement économique, explique-t-il. Related-articles: 2011 novembre Les 8 Plumes Les déboires hormonaux dHortense - Europe1.fr - LEgypte en état durgence - Europe1.fr - Internati abf9cf2b6db1f68d8e4a1bade742f4bb

Nota n°44537 da jgxlnjlf64 il 06/09/2013 @ 17:36
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,???????Le débat sur la transition énergétique sera prolongé de quelques mois,??? ???, à la demande notamment des associations environnementales,JORDAN, ont déclaré jeudi des membres du Conseil national de la transition énergétique à l'issue de leur première réunion.Ces pourparlers,??? ???, qui vont durer six mois et déboucher sur une loi de programmation en septembre 2013,??? ?????, doivent déterminer comment la France va bouleverser sa politique énergétique,??? ??, en réduisant notamment de 75 à 50% la part du nucléaire dans la production d'électricité. Mais le retard pris par la France dans le développement des énergies renouvelables,?????? ?? ???, la consommation d'énergie très élevée des logements ou encore la place des hydrocarbures en France,??????, notamment les gaz de schiste,adidas, dans les prochaines décennies feront également partie des grands chantiers évoqués. Related-articles: Défiscalisation - Votre Argen VIDEO. La taxe carbone est clairement un nouvel im abf9cf2b6db1f68d8e4a1bade742f4bb

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