{"id":157858,"date":"2025-06-26T07:00:00","date_gmt":"2025-06-26T07:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=157858"},"modified":"2025-06-26T07:00:00","modified_gmt":"2025-06-26T07:00:00","slug":"credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/","title":{"rendered":"Cr\u00e9dits immobiliers garantis en crypto ? L&#8217;agence US du logement brise un tabou\u00a0"},"content":{"rendered":"<p>Ce communiqu\u00e9 fera probablement date dans l\u2019histoire des cryptomonnaies. Aux \u00c9tats-Unis, l\u2019administration f\u00e9d\u00e9rale du logement (FHFA) a mandat\u00e9 une \u00e9quipe d\u2019experts pour \u00e9tudier la possibilit\u00e9 d\u2019int\u00e9grer les cryptos dans la d\u00e9finition du cr\u00e9dit immobilier. Un futur dans lequel le <strong>portefeuille crypto<\/strong> de chacun pourra compter dans la <strong>n\u00e9gociation d\u2019un cr\u00e9dit immobilier<\/strong> ? Oui, mais sous quelques conditions particuli\u00e8res.  <\/p><h2 class=\"wp-block-heading\">Qui est concern\u00e9 ? <\/h2><span class=\"replacer\"><\/span><p>Une petite phrase l\u00e2ch\u00e9e sur X (ex-Twitter) par Bill Pulte, le tout nouveau directeur de la FHFA. En effet, c\u2019est tout ce qu\u2019il a fallu pour relancer le d\u00e9bat sur la place de <strong>la crypto sur le march\u00e9 de l\u2019immobilier<\/strong>. Un d\u00e9bat qui pourrait tr\u00e8s rapidement s\u2019importer dans l\u2019espace europ\u00e9en. <\/p><figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">We will study the usage pf cryptocurrency holdings as it relates to qualifying for mortgages.<\/p>&mdash; Pulte (@pulte) <a href=\"https:\/\/twitter.com\/pulte\/status\/1937303023518445931?ref_src=twsrc%5Etfw\">June 24, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><p>La FHFA supervise les g\u00e9ants du cr\u00e9dit immobilier aux \u00c9tats-Unis comme <strong>Fannie Mae<\/strong>, <strong>Freddie Mac<\/strong> et les <strong>Federal Home Loan Banks<\/strong>. Ce sont ces institutions qui <strong>garantissent <\/strong>la grande majorit\u00e9 des <strong>pr\u00eats immobiliers<\/strong> dans le pays. <\/p><h2 class=\"wp-block-heading\">Un Directeur pro-crypto <\/h2><span class=\"replacer\"><\/span><p><strong>Bill Pulte<\/strong>, le nouveau patron de la FHFA, est un entrepreneur milliardaire tr\u00e8s actif dans l\u2019univers crypto. Selon des documents publics, il d\u00e9tient environ <strong>1 million de dollars en Bitcoin<\/strong> et Solana (SOL). En outre, il poss\u00e8de \u00e9galement des parts dans la soci\u00e9t\u00e9 MARA Holdings, sp\u00e9cialis\u00e9e dans le minage de cryptomonnaies. <\/p><p>Proche du pr\u00e9sident Donald Trump, Pulte a \u00e9t\u00e9 nomm\u00e9 \u00e0 ce poste en mars 2025, dans un <strong>contexte politique<\/strong> de plus en plus <strong>favorable \u00e0 l\u2019industrie crypto<\/strong> aux \u00c9tats-Unis. <\/p><h2 class=\"wp-block-heading\">Une potentielle r\u00e9volution pour l&#8217;industrie des cryptomonnaies<\/h2><span class=\"replacer\"><\/span><p>Jusqu\u2019ici, les emprunteurs devaient vendre leurs cryptos contre des dollars et les d\u00e9poser dans une banque r\u00e9glement\u00e9e pour qu\u2019ils soient consid\u00e9r\u00e9s dans l\u2019analyse d\u2019un dossier de pr\u00eat. Avec cette nouvelle approche, les cryptos pourraient \u00eatre <strong>directement int\u00e9gr\u00e9es comme \u00e9l\u00e9ments d\u2019actif<\/strong>. Ceci faciliterait l\u2019acc\u00e8s au financement pour les d\u00e9tenteurs de portefeuilles num\u00e9riques bien garnis. <\/p><p>Ce sont potentiellement plusieurs millions d\u2019am\u00e9ricains qui pourrait obtenir des possibilit\u00e9s suppl\u00e9mentaires en termes de logement. En d\u00e9finitive, reconna\u00eetre la <strong>cryptomonnaie comme actif de garantie<\/strong>, au m\u00eame titre que l\u2019\u00e9pargne ou les titres boursiers, c&#8217;est ouvrir la porte \u00e0 de <strong>nouveaux capitaux<\/strong>. <\/p><p>S\u2019il est correctement pilot\u00e9, ce projet pourrait apporter les m\u00eames perspectives d\u2019am\u00e9lioration de l\u2019\u00e9tat de sant\u00e9 g\u00e9n\u00e9ral du march\u00e9 <a href=\"https:\/\/cryptonews.com\/fr\/news\/usa-37-000-milliards-de-dettes-et-si-le-salut-venait-des-cryptomonnaies\/\">comme cela s\u2019annonce avec la dette am\u00e9ricaine<\/a>. <\/p><h2 class=\"wp-block-heading\">Un signal fort pour l\u2019adoption crypto ? Oui, mais pas seulement<\/h2><span class=\"replacer\"><\/span><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25152918\/ChatGPT-Image-25-juin-2025-17_28_58-1024x683.jpg\" alt=\"\" class=\"wp-image-157860\" srcset=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25152918\/ChatGPT-Image-25-juin-2025-17_28_58-1024x683.jpg 1024w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25152918\/ChatGPT-Image-25-juin-2025-17_28_58-300x200.jpg 300w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25152918\/ChatGPT-Image-25-juin-2025-17_28_58-768x512.jpg 768w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25152918\/ChatGPT-Image-25-juin-2025-17_28_58-450x300.jpg 450w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25152918\/ChatGPT-Image-25-juin-2025-17_28_58.jpg 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"><\/figure><p>L\u2019initiative de la FHFA s\u2019inscrit dans une tendance plus large <strong>d\u2019int\u00e9gration <\/strong>du secteur crypto dans la <strong>finance traditionnelle<\/strong>. Banques, fonds d\u2019investissement et institutions publiques multiplient les signaux d\u2019ouverture. <\/p><p>Cependant, il ne s\u2019agit pas encore d\u2019une d\u00e9cision officielle, mais d\u2019une phase d\u2019\u00e9tude exploratoire. En cons\u00e9quence, <strong>aucun calendrier<\/strong> n\u2019a \u00e9t\u00e9 communiqu\u00e9, et plusieurs questions restent en suspens : <\/p><ul class=\"wp-block-list\">\n<li>Quels types de cryptos seraient \u00e9ligibles ? (Bitcoin, stablecoins, altcoins ?) <\/li>\n<\/ul><ul class=\"wp-block-list\">\n<li>Comment la volatilit\u00e9 des actifs num\u00e9riques sera-t-elle prise en compte ? <\/li>\n<\/ul><ul class=\"wp-block-list\">\n<li>Quid de la s\u00e9curit\u00e9 de la garde des fonds (wallets priv\u00e9s, plateformes r\u00e9gul\u00e9es, etc.) ? <\/li>\n<\/ul><p>Aujourd\u2019hui encore, la plupart des institutions exigent que les <strong>cryptos <\/strong>soient <strong>converties en dollars<\/strong> et <a href=\"https:\/\/corr.pennymac.com\/announcements\/announcement-22-39\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9pos\u00e9es sur un compte bancaire r\u00e9glement\u00e9<\/a> avant d\u2019\u00eatre consid\u00e9r\u00e9es comme des actifs r\u00e9els. <\/p><p>L&#8217;aboutissement du projet red\u00e9finira certainement les crit\u00e8res de solvabilit\u00e9 aux \u00c9tats-Unis. Cette \u00e9volution pourrait \u00e9galement inspirer d\u2019autres pays, notamment en <strong>Europe<\/strong>, o\u00f9 les r\u00e9gulations du march\u00e9 crypto commencent \u00e0 se structurer avec la licence MiCA.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Sur le m\u00eame sujet : <\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/bitcoin-a-120-000-dollars-voici-comment-la-fed-pourrait-tout-changer\/\">Bitcoin \u00e0 120 000 dollars : Voici comment la Fed pourrait tout changer<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/la%20guerre%20des%20stablecoins%20en%20europe%20:%20un%20enjeu%20de%20souverainet%C3%A9%20mon%C3%A9taire\/\">La guerre des stablecoins en Europe : un enjeu de souverainet\u00e9 mon\u00e9taire<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/Wall%20Street%20sur%20la%20blockchain%20:%20JP%20Morgan%20lance%20le%20premier%20token%20bancaire%20JPMD%20sur%20Base\">Wall Street sur la blockchain : JP Morgan lance le premier token bancaire JPMD sur Base<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Ce communiqu\u00e9 fera probablement date dans l\u2019histoire des cryptomonnaies. Aux \u00c9tats-Unis, l\u2019administration f\u00e9d\u00e9rale du logement (FHFA) a mandat\u00e9 une \u00e9quipe d\u2019experts pour \u00e9tudier la possibilit\u00e9 d\u2019int\u00e9grer les cryptos dans la d\u00e9finition du cr\u00e9dit immobilier. Un futur dans lequel le portefeuille crypto de chacun pourra compter dans la n\u00e9gociation d\u2019un cr\u00e9dit immobilier ? Oui, mais sous [&hellip;]<\/p>\n","protected":false},"author":663,"featured_media":157859,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[42,1],"tags":[],"editors":[2554],"sponsored_companies":[],"class_list":["post-157858","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-news","category-news","editors-ronan-gaillard"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Votre maison bient\u00f4t garantie par vos cryptos ?<\/title>\n<meta name=\"description\" content=\"Et si vos bitcoins vous permettaient d&#039;obtenir un nouveau cr\u00e9dit immobilier ? C&#039;est la nouvelle de la FHFA pour dynamiser le march\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Votre maison bient\u00f4t garantie par vos cryptos ?\" \/>\n<meta property=\"og:description\" content=\"Et si vos bitcoins vous permettaient d&#039;obtenir un nouveau cr\u00e9dit immobilier ? C&#039;est la nouvelle de la FHFA pour dynamiser le march\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/\" \/>\n<meta property=\"og:site_name\" content=\"Cryptonews France\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-26T07:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25150807\/1750864087-cryptomortgage.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Votre maison bient\u00f4t garantie par vos cryptos ?\" \/>\n<meta name=\"twitter:description\" content=\"Et si vos bitcoins vous permettaient d&#039;obtenir un nouveau cr\u00e9dit immobilier ? C&#039;est la nouvelle de la FHFA pour dynamiser le march\u00e9.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25150807\/1750864087-cryptomortgage.jpg\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Votre maison bient\u00f4t garantie par vos cryptos ?","description":"Et si vos bitcoins vous permettaient d'obtenir un nouveau cr\u00e9dit immobilier ? C'est la nouvelle de la FHFA pour dynamiser le march\u00e9.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/","og_locale":"fr_FR","og_type":"article","og_title":"Votre maison bient\u00f4t garantie par vos cryptos ?","og_description":"Et si vos bitcoins vous permettaient d'obtenir un nouveau cr\u00e9dit immobilier ? C'est la nouvelle de la FHFA pour dynamiser le march\u00e9.","og_url":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/","og_site_name":"Cryptonews France","article_published_time":"2025-06-26T07:00:00+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25150807\/1750864087-cryptomortgage.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_title":"Votre maison bient\u00f4t garantie par vos cryptos ?","twitter_description":"Et si vos bitcoins vous permettaient d'obtenir un nouveau cr\u00e9dit immobilier ? C'est la nouvelle de la FHFA pour dynamiser le march\u00e9.","twitter_image":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25150807\/1750864087-cryptomortgage.jpg","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/#article","isPartOf":{"@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/"},"author":{"name":"Ronan Gaillard","@id":"https:\/\/cryptonews.com\/fr\/#\/schema\/person\/e78d0af0c40e9bd57dc648cd44641f43"},"headline":"Cr\u00e9dits immobiliers garantis en crypto ? L&#8217;agence US du logement brise un tabou\u00a0","datePublished":"2025-06-26T07:00:00+00:00","mainEntityOfPage":{"@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/"},"wordCount":678,"publisher":{"@id":"https:\/\/cryptonews.com\/fr\/#organization"},"image":{"@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/#primaryimage"},"thumbnailUrl":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25150807\/1750864087-cryptomortgage.jpg","articleSection":["Actualit\u00e9s Finance","News"],"inLanguage":"fr-FR","copyrightYear":"2025","copyrightHolder":{"@id":"https:\/\/cryptonews.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/","url":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/","name":"Votre maison bient\u00f4t garantie par vos cryptos ?","isPartOf":{"@id":"https:\/\/cryptonews.com\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/#primaryimage"},"image":{"@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/#primaryimage"},"thumbnailUrl":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25150807\/1750864087-cryptomortgage.jpg","datePublished":"2025-06-26T07:00:00+00:00","description":"Et si vos bitcoins vous permettaient d'obtenir un nouveau cr\u00e9dit immobilier ? C'est la nouvelle de la FHFA pour dynamiser le march\u00e9.","breadcrumb":{"@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/"]}],"author":[]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/#primaryimage","url":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25150807\/1750864087-cryptomortgage.jpg","contentUrl":"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/06\/25150807\/1750864087-cryptomortgage.jpg","width":1200,"height":800,"caption":"Cryptomonnaie et immobilier"},{"@type":"BreadcrumbList","@id":"https:\/\/cryptonews.com\/fr\/news\/credits-immobiliers-garantis-en-crypto-lagence-us-du-logement-brise-un-tabou\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cryptonews.com\/fr\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dits immobiliers garantis en crypto ? L&#8217;agence US du logement brise un tabou\u00a0"}]},{"@type":"WebSite","@id":"https:\/\/cryptonews.com\/fr\/#website","url":"https:\/\/cryptonews.com\/fr\/","name":"Cryptonews","description":"","publisher":{"@id":"https:\/\/cryptonews.com\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cryptonews.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/cryptonews.com\/fr\/#organization","name":"Cryptonews France","url":"https:\/\/cryptonews.com\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/cryptonews.com\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/cryptonews.com\/wp-content\/uploads\/sites\/3\/2023\/09\/4.jpg","contentUrl":"https:\/\/cryptonews.com\/wp-content\/uploads\/sites\/3\/2023\/09\/4.jpg","width":1669,"height":874,"caption":"Cryptonews France"},"image":{"@id":"https:\/\/cryptonews.com\/fr\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/posts\/157858","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/users\/663"}],"replies":[{"embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/comments?post=157858"}],"version-history":[{"count":4,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/posts\/157858\/revisions"}],"predecessor-version":[{"id":157869,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/posts\/157858\/revisions\/157869"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/media\/157859"}],"wp:attachment":[{"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/media?parent=157858"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/categories?post=157858"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/tags?post=157858"},{"taxonomy":"editors","embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/editors?post=157858"},{"taxonomy":"sponsored_companies","embeddable":true,"href":"https:\/\/cryptonews.com\/fr\/wp-json\/wp\/v2\/sponsored_companies?post=157858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}