Maître Laurence CHARVOZ

Avocat au barreau d'Angers

Avocat titulaire d'un certificat de spécialisation en Droit commercial, des affaires et de la concurrence et Droit du crédit et de la consommation

Compétences : Droit du crédit et de la consommation, Droit commercial, des affaires et de la concurrence, Droit de la famille, des personnes et de leur patrimoine, Droit du numérique et des communications, Contentieux devant les juridictions européennes, Droit de l'arbitrage

Barreau : Angers

Adresse : 2 BIS rue Montauban 49100 ANGERS

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Publié le 08/03/2024

Fin du Haro sur l'immobilier ?

Evènement/Actualité institutionnelle

Par Me Laurence CHARVOZ

Une embellie dans le paysage bancaire pour les ménages « solvables « de février à décembre 2024 ; fin du haro sur l’habitat

Les banques après avoir fait preuve d’une rigueur absolue dans l’octroi des prêts immobiliers revoient leur copie. Dans un contexte immobilier incertain , les prêts liés à l’habitat ont été très limités, constituant un frein certain à l’investissement De nombreux ménages quoique solvables se sont heurtés à des refus de la part de leur banquier.

Une petite fenêtre de tir est ouverte jusqu’à la fin de l’année 2024 .la profession bancaire a réexaminé son positionnement et encourage désormais les ménages à représenter une demande de prêt immobilier, malgré le refus essuyé précédemment.

Les personnes physiques clientes de la banque concernée, non inscrites au fichier des incidents de paiements géré par la Banque de France (FICP, FCC) pourront solliciter un réexamen de leur dossier,en vue de l’acquisition d’une résidence principale, d’une résidence secondaire ou d’un investissement locatif à condition que le projet immobilier puisse encore être réalisé !!!!

Toutefois, chaque établissement de crédit est libre d’organiser l’information de ses clients. Alors, n’attendez pas….

Le HCSF a publié un communqiué le 4 décembre 2023 qui « soutient la mise en place par la FBF d’un dispositif offrant la possibilité d’un réexamen aux ménages solvables dont la demande de crédit immobilier aurait été refusée. »