{"id":210200,"date":"2025-09-08T12:02:56","date_gmt":"2025-09-08T10:02:56","guid":{"rendered":"https:\/\/guide.reassurez-moi.fr\/guide\/?p=210200"},"modified":"2025-09-08T12:06:19","modified_gmt":"2025-09-08T10:06:19","slug":"credit-immo-quelle-banque-pret-le-plus","status":"publish","type":"post","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/actualites\/credit-immo-quelle-banque-pret-le-plus","title":{"rendered":"Cr\u00e9dit immobilier : quelle banque pr\u00eate le plus ?"},"content":{"rendered":"\n<p><strong>Marqu\u00e9 par une baisse des taux, le march\u00e9 du cr\u00e9dit immobilier a largement rebondi en 2024. Mais certaines banques sont plus enclines \u00e0 pr\u00eater que d\u2019autres.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2024, ann\u00e9e de la fin du <em>\u201ccycle haussier\u201d<\/em><\/h2>\n\n\n\n<p>L\u2019ann\u00e9e derni\u00e8re, les banques ont largement diminu\u00e9 les taux de leurs cr\u00e9dits immobiliers :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apr\u00e8s un pic \u00e0 4,17 % en moyenne en janvier 2024, le co\u00fbt des pr\u00eats \u00e0 l\u2019habitat a connu une rapide d\u00e9crue sur l&rsquo;ensemble de l&rsquo;ann\u00e9e pour atteindre 3,30 % en d\u00e9cembre 2024. <\/li>\n\n\n\n<li>Dans le m\u00eame temps, la production mensuelle de cr\u00e9dit des banques a d\u00e9coll\u00e9 de 63%, passant de 9,1 milliards d\u2019euros de pr\u00eats accord\u00e9s \u00e0 environ 15 milliards. <\/li>\n\n\n\n<li>Sur l&rsquo;ensemble de l\u2019ann\u00e9e, 133 milliards d\u2019euros ont \u00e9t\u00e9 pr\u00eat\u00e9s. <\/li>\n\n\n\n<li>Plus de 45% de cette somme est destin\u00e9e aux primo-acc\u00e9dants, c\u2019est-\u00e0-dire les m\u00e9nages devenant propri\u00e9taire pour la premi\u00e8re fois.<\/li>\n<\/ul>\n\n\n\n<p>Le paysage immobilier fran\u00e7ais se porte donc mieux, mais certains acteurs contribuent davantage que d\u2019autres \u00e0 cette embellie. C\u2019est la conclusion du <a href=\"https:\/\/acpr.banque-france.fr\/fr\/publications-et-statistiques\/publications\/ndeg-174-le-financement-de-lhabitat-en-2024\">rapport<em> \u201cLe financement de l\u2019habitat\u201d<\/em><\/a>, publi\u00e9 par l&rsquo;Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution (ACPR), le 30 juillet 2024. <\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><i class=\"icon\"><\/i><p>Le r\u00e9gulateur s\u2019est appuy\u00e9, pour cela, sur les donn\u00e9es mensuelles que lui fournissent les banques, mais aussi celles des organismes garants de ces cr\u00e9dits. <\/p><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\ud83d\udcac Le constat est clair :<em> \u201cLe march\u00e9 des cr\u00e9dits immobiliers reste largement domin\u00e9 par les groupes mutualistes\u201d.<\/em> Derri\u00e8re cette appellation, on retrouve les banques qui permettent \u00e0 leurs clients de devenir soci\u00e9taires, c\u2019est-\u00e0-dire de d\u00e9tenir des parts sociales.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Cr\u00e9dit agricole et BPCE en t\u00eate<\/h2>\n\n\n\n<p>Ainsi, au 30 juin 2024, 81,5 % des encours de cr\u00e9dits immobiliers sont d\u00e9tenus par seulement trois \u00e9tablissements :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le Cr\u00e9dit agricole, en position largement dominante, est \u00e0 l\u2019origine de plus d\u2019un cr\u00e9dit immobilier sur trois (34,4%). <\/li>\n\n\n\n<li>En deuxi\u00e8me place, le groupe Banque populaire-Caisse d\u2019\u00e9pargne en assure plus d\u2019un quart (26,9%). <\/li>\n\n\n\n<li>Enfin le Cr\u00e9dit mutuel compl\u00e8te ce podium avec 20,2% de part de march\u00e9.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-info\"><p>La banque \u201cqui donne le la\u201d a largement am\u00e9lior\u00e9 sa position depuis plusieurs ann\u00e9es puisque sa part de march\u00e9 en 2020 atteignait seulement 16%.<\/p><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1252\" height=\"787\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/09\/part-de-marche-credit-immobilier.png\" alt=\"part de marche\u0301 cre\u0301dit immobilier\" class=\"wp-image-210205\" srcset=\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/09\/part-de-marche-credit-immobilier.png 1252w, https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/09\/part-de-marche-credit-immobilier-300x189.png 300w, https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/09\/part-de-marche-credit-immobilier-500x314.png 500w, https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/09\/part-de-marche-credit-immobilier-768x483.png 768w\" sizes=\"auto, (max-width: 1252px) 100vw, 1252px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-right\">Source : ACPR<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le Cr\u00e9dit mutuel a notamment profit\u00e9 du recul des grandes banques nationales, qui se partagent des miettes. <\/li>\n\n\n\n<li>Le groupe Soci\u00e9t\u00e9 g\u00e9n\u00e9rale, au travers de sa banque de d\u00e9tail SG, ne d\u00e9tient que 8,3% des cr\u00e9dits immobiliers fran\u00e7ais, et BNP Paribas 7,7%. <\/li>\n\n\n\n<li>La Banque postale ferme la marche avec seulement 1,8% des encours. <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><i class=\"icon\"><\/i><p>La quasi-totalit\u00e9 des pr\u00eats \u00e0 l\u2019habitat fran\u00e7ais est d\u00e9tenue par des \u00e9tablissements fran\u00e7ais, les banques \u00e9trang\u00e8res n\u2019en d\u00e9tenant que 0,4%.<\/p><\/div>\n\n\n\n<p>Si certaines banques, &#8211; \u00e0 l\u2019instar de SG et BNP Paribas qui distribuent des dividendes &#8211; sont encore frileuses \u00e0 investir compl\u00e8tement le march\u00e9 du cr\u00e9dit immobilier, c\u2019est que les marges d\u00e9gag\u00e9es sont encore n\u00e9gatives. En d&rsquo;autres termes, elles perdent de l\u2019argent en octroyant des cr\u00e9dits immobiliers. Beaucoup moins qu\u2019\u00e0 la fin de l\u2019ann\u00e9e 2022, certes, p\u00e9riode durant laquelle elles perdaient sept fois plus d\u2019argent. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\ud83d\udcac <em>\u201cElles sont proches de l\u2019\u00e9quilibre en 2024 et d\u00e9but 2025\u201d<\/em>, pr\u00e9cise l\u2019ACPR.<\/p>\n<\/blockquote>\n\n\n\n<div class=\"wp-block-rm-advertizing-block fix-in-sidebar advertising-block-sidebar-item\">\n    <div class=\"image-container flex justify-center align-items-center\">\n        <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\"\n             alt=\"reassurez-moi illustration\"\n             class=\"wp-block-rm-advertizing-image\"\n             loading=\"lazy\"\n        \/>\n    <\/div>\n    <div class=\"rm-advertblock-container flex flex-column justify-center align-items-start\">\n        <p class=\"wp-block-rm-advertizing-text\">\n            Pr\u00eat immobilier\n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            calculez le montant de vos mensualit\u00e9s\n        <\/p>\n        <a\n            href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/simulation\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Simuler\n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n                un pr\u00eat immobilier\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Marqu\u00e9 par une baisse des taux, le march\u00e9 du cr\u00e9dit immobilier a largement rebondi en 2024. Mais certaines banques sont plus enclines \u00e0 pr\u00eater que d\u2019autres. 2024, ann\u00e9e de la fin du \u201ccycle haussier\u201d L\u2019ann\u00e9e derni\u00e8re, les banques ont largement diminu\u00e9 les taux de leurs cr\u00e9dits immobiliers : Le paysage immobilier fran\u00e7ais se porte donc\u2026<\/p>\n","protected":false},"author":81,"featured_media":210207,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[43],"tags":[788],"class_list":["post-210200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","tag-immobilier"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9dit immobilier : quelle banque pr\u00eate le plus ?<\/title>\n<meta name=\"description\" content=\"Marqu\u00e9 par une baisse des taux, le march\u00e9 du cr\u00e9dit immobilier a largement rebondi en 2024. 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