Crédit immobilier : les Français doivent-ils s’inquiéter des taux d’intérêts américains dépassant 7 % ?

Les derniers chiffres publiés aux États-Unis montrent que le taux moyen pratiqué pour les crédits immobiliers dépasse 7 %. Du jamais vu en vingt ans. Comment expliquer cette augmentation et cela peut-il se reproduire en France ?

C’est un chiffre à faire pâlir les Français qui cherchent à obtenir un prêt immobilier. Aux États-Unis, le taux moyen d’un crédit à taux fixe sur trente ans s’établit à 7,08 %, d’après le groupe de refinancement immobilier Freddie Mac, qui fait référence dans le...

The Court of Appeal of Angers, in a decision of 26 October 2021, n°= 18-02112, held an estate agent liable for failing to check the solvency of the buyer who had signed the promise to sell. The judges of Angers affirm that an estate agency, a professional specialising in the negotiation and sale of property, is obliged, as the owner's agent in the sale of a building, to ensure that the conditions necessary for the effectiveness of the transaction negotiated through its intermediary are met. They thus judged that the agency had failed in its contractual obligations, the obligation to provide information by refraining from collecting the slightest element on the financial guarantees of the purchaser whereas the lack of seriousness of his written offer to purchase was detectable. Particular obligation of his mandate by not providing for an escrow clause in the preliminary sales agreement (absence of payment of a deposit at the time of signing the preliminary sales agreement) and obligation to advise by not drawing the attention of the sellers to the abandonment of the escrow clause and its consequences for them.

The estate agent was held liable and ordered to pay damages to the vendor owners for the loss suffered by them:

- for the immobilisation of their property for 6 months without any diligence on the part of the estate agent to protect them against the risk of insolvency of the buyer, this situation having deprived them of other opportunities to sell their property to other buyers at least at the same price.

- for the absence of a down payment by the purchaser at the time of signing the preliminary sales agreement without informing the selling owners of the consequences for them in the event of the purchasers' default or the impossibility of the latter to borrow

The Court of Appeal of Angers, in a decision of 26 October 2021, n°= 18-02112, held an estate agent liable for failing to check the solvency of the buyer who had signed the promise to sell. The judges of Angers affirm that an estate agency, a professional specialising in the negotiation and sale of property, is obliged, as the owner's agent in the sale of a building, to ensure that the conditions necessary for the effectiveness of the transaction negotiated through its intermediary are met....

Like Montpellier, the entire Languedoc-Roussillon region is rejuvenating, energizing and, above all, building!

With prices - almost - stable in most sectors, the supply of housing is diversifying and the projects of equipment (transport, universities) are more and more numerous. Whether we speak of Agde, Béziers or Sète, the observation is the same: the market is becoming reasonable, is modernizing at high speed and, fortunately, the region remains much cheaper than its neighbor...

Composed of five departments (Aude, Gard, Lozere, Hérault and Eastern Pyrenees), the Languedoc-Roussillon region has been able to take advantage of its climate and the diversity of its landscapes to develop an agriculture and tourist attractiveness higher than the French average.

Producing nearly 40% of French wine, the region is hit hard by new international competition. Slightly industrialized (14% of jobs, compared with 23% nationally), the Languedoc-Roussillon region now relies on a...