{"id":1187,"date":"2016-03-29T16:18:06","date_gmt":"2016-03-29T14:18:06","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-un-assouplissement-des-demarches-pour-les-anciens-malades_-n.html"},"modified":"2020-07-28T15:33:04","modified_gmt":"2020-07-28T13:33:04","slug":"credit-immobilier-un-assouplissement-des-demarches-pour-les-anciens-malades_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-un-assouplissement-des-demarches-pour-les-anciens-malades_-n.html","title":{"rendered":"Cr\u00e9dit immobilier\u00a0: un assouplissement des d\u00e9marches pour les anciens malades"},"content":{"rendered":"<p><strong>Souscrire un cr\u00e9dit immobilier en tant qu&rsquo;ancien malade avant&#8230;<\/strong><br \/>\nJusqu&rsquo;\u00e0 fin janvier 2016, souscrire un cr\u00e9dit immobilier en tant qu&rsquo;ancien malade entrainait syst\u00e9matiquement un surco\u00fbt, voire m\u00eame un refus. Les anciens malades devaient souvent s&rsquo;acquitter d&rsquo;une prime d&rsquo;assurance avoisinant les 2&nbsp;%, l\u00e0 o\u00f9 la moyenne tourne plut\u00f4t autour des 0,4&nbsp;%, pour des emprunteurs sans probl\u00e8me de sant\u00e9.<\/p>\n<p><strong>La loi de modernisation instaure le \u00ab&nbsp;droit \u00e0 l&rsquo;oubli&nbsp;\u00bb<\/strong><br \/>\nLa loi sur la modernisation du syst\u00e8me de sant\u00e9 devrait changer un peu la donne. En effet, elle stipule qu&rsquo;une personne arriv\u00e9e au bout de son traitement th\u00e9rapeutique peut b\u00e9n\u00e9ficier d&rsquo;un \u00ab&nbsp;droit \u00e0 l&rsquo;oubli&nbsp;\u00bb au bout d&rsquo;un certain nombre d&rsquo;ann\u00e9es. Si cette personne d\u00e9cide d&#8217;emprunter pour un projet immobilier pass\u00e9 ce d\u00e9lai, banque et assurance ne pourront pas prendre en compte ces informations m\u00e9dicales trop anciennes pour calculer le montant de l&rsquo;assurance. La p\u00e9riode permettant de b\u00e9n\u00e9ficier de ce droit \u00e0 l&rsquo;oubli varie selon les pathologies. Pour les maladies les plus graves, il faut compter 10 ans pour les adultes et 5 ans pour les personnes mineures au moment du traitement. D&rsquo;autres pathologies induisent un droit \u00e0 l&rsquo;oubli limit\u00e9 \u00e0 1 an, 3 ans ou 6 ans. Une grille indique le nombre d&rsquo;ann\u00e9es en fonction de la pathologie. Elle est encore incompl\u00e8te et ne comprend que quelques pathologies, essentiellement des cancers, qui sont vis\u00e9s par cette mesure. Mais elle devrait \u00e9voluer rapidement en 2016.<\/p>\n<p>A suivre&nbsp;!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il y a du changement c\u00f4t\u00e9 cr\u00e9dit immobilier depuis la fin du mois de janvier, gr\u00e2ce \u00e0 la loi de modernisation du syst\u00e8me de sant\u00e9. Et c\u2019est un changement positif, puisqu\u2019il devrait permettre aux acheteurs ayant \u00e9t\u00e9 malades d\u2019emprunter sans surco\u00fbt. Explications.<\/p>\n","protected":false},"author":4,"featured_media":1188,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1187","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit immobilier\u00a0: un assouplissement des d\u00e9marches pour les anciens malades - Ace Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-un-assouplissement-des-demarches-pour-les-anciens-malades_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier\u00a0: un assouplissement des d\u00e9marches pour les anciens malades - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Il y a du changement c\u00f4t\u00e9 cr\u00e9dit immobilier depuis la fin du mois de janvier, gr\u00e2ce \u00e0 la loi de modernisation du syst\u00e8me de sant\u00e9. Et c\u2019est un changement positif, puisqu\u2019il devrait permettre aux acheteurs ayant \u00e9t\u00e9 malades d\u2019emprunter sans surco\u00fbt. 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