{"id":2248,"date":"2024-03-28T15:00:00","date_gmt":"2024-03-28T14:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/taux-de-lusure-en\/"},"modified":"2024-05-12T12:16:04","modified_gmt":"2024-05-12T10:16:04","slug":"taux-de-lusure-en","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2024\/03\/28\/taux-de-lusure-en\/","title":{"rendered":"Taux de l\u2019usure en\u00a0%"},"content":{"rendered":"\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Taux de l\u2019usure (en %)<\/span><\/caption>\n
Nature<\/th>\n\u00c0 compter du 1er<\/sup> janvier 2024<\/th>\n\u00c0 compter du 1er<\/sup> avril 2024<\/th>\n<\/tr>\n<\/thead>\n
PR\u00caTS accord\u00e9s AUX PERSONNES PHYSIQUES AGISSANT POUR LEURS BESOINS PROFESSIONNELS ET AUX PERSONNES MORALES AYANT UNE ACTIVIT\u00c9 INDUSTRIELLE, COMMERCIALE, ARTISANALE, AGRICOLE OU PROFESSIONNELLE NON COMMERCIALE (1)<\/sup>\n <\/td>\n<\/tr>\n
D\u00e9couverts en compte<\/td>\n18,31<\/td>\n18,68<\/td>\n<\/tr>\n
PR\u00caTS AUX PERSONNES MORALES N\u2019AYANT PAS D\u2019ACTIVIT\u00c9 INDUSTRIELLE, COMMERCIALE, ARTISANALE, AGRICOLE OU PROFESSIONNELLE NON COMMERCIALE<\/td>\n<\/tr>\n
Pr\u00eats > 2 ans – taux variable<\/td>\n8,11<\/td>\n7,96<\/td>\n<\/tr>\n
Pr\u00eats > 2 ans et < 10 ans – taux fixe<\/td>\n6,96<\/td>\n6,95<\/td>\n<\/tr>\n
Pr\u00eats > ou = 10 ans et < 20 ans – taux fixe<\/td>\n6,91<\/td>\n7,08<\/td>\n<\/tr>\n
Pr\u00eats > ou = 20 ans – taux fixe<\/td>\n7,01<\/td>\n7,09<\/td>\n<\/tr>\n
D\u00e9couverts en compte<\/td>\n18,31<\/td>\n18,68<\/td>\n<\/tr>\n
Autres pr\u00eats < ou = 2 ans<\/td>\n6,80<\/td>\n6,91<\/td>\n<\/tr>\n
PR\u00caTS AUX PARTICULIERS<\/td>\n<\/tr>\n
\n Pr\u00eats immobiliers (article L. 313-1 1\u00b0 du Code de la consommation ou constituant une op\u00e9ration de cr\u00e9dit d\u2019un montant sup\u00e9rieur \u00e0 75 000 \u20ac destin\u00e9e \u00e0 financer, pour les immeubles \u00e0 usage d\u2019habitation ou \u00e0 usage professionnel et d\u2019habitation, les d\u00e9penses relatives \u00e0 leur r\u00e9paration, leur am\u00e9lioration ou leur entretien)<\/b>\n <\/td>\n<\/tr>\n
Pr\u00eats \u00e0 taux fixe<\/td>\n– Pr\u00eats < 10 ans : 4,53
– Pr\u00eats > ou = 10 ans et < 20 ans : 6,01
– Pr\u00eats > ou = 20 ans : 6,29<\/td>\n		– Pr\u00eats < 10 ans : 4,56
– Pr\u00eats > ou = 10 ans et < 20 ans : 6,13
– Pr\u00eats > ou = 20 ans : 6,39<\/td>\n<\/tr>\n
Pr\u00eats \u00e0 taux variable<\/td>\n5,63<\/td>\n5,85<\/td>\n<\/tr>\n
Pr\u00eats relais<\/td>\n6,35<\/td>\n6,76<\/td>\n<\/tr>\n
\n Pr\u00eats \u00e0 la consommation (Hors article L. 313-1 1\u00b0 du Code de la consommation ou ne constituant pas une op\u00e9ration de cr\u00e9dit d\u2019un montant sup\u00e9rieur \u00e0 75 000 \u20ac destin\u00e9e \u00e0 financer, pour les immeubles \u00e0 usage d\u2019habitation ou \u00e0 usage professionnel et d\u2019habitation, les d\u00e9penses relatives \u00e0 leur r\u00e9paration, leur am\u00e9lioration ou leur entretien)<\/b>\n <\/td>\n<\/tr>\n
Pr\u00eats < ou = 3 000 \u20ac<\/td>\n22,00<\/td>\n22,32<\/td>\n<\/tr>\n
Pr\u00eats > 3 000 \u20ac et < ou = 6 000 \u20ac<\/td>\n12,93<\/td>\n13,60<\/td>\n<\/tr>\n
Pr\u00eats > 6 000 \u20ac<\/td>\n7,35<\/td>\n7,75<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Les Echos Publishing 2024<\/p>\n","protected":false},"excerpt":{"rendered":"

Le taux de l\u2019usure correspond au taux maximum d\u2019int\u00e9r\u00eat qu\u2019un pr\u00eateur ne peut l\u00e9galement d\u00e9passer. Ainsi, le taux effectif global d\u2019un pr\u00eat doit obligatoirement \u00eatre inf\u00e9rieur au taux de l\u2019usure.<\/p>\n","protected":false},"author":5,"featured_media":2249,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[40,35],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/2248"}],"collection":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/comments?post=2248"}],"version-history":[{"count":5,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/2248\/revisions"}],"predecessor-version":[{"id":12896,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/2248\/revisions\/12896"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/2249"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=2248"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=2248"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=2248"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}