{"id":1500,"date":"2017-06-21T23:26:07","date_gmt":"2017-06-21T21:26:07","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/en-2018-l-assurance-emprunteur-sera-moins-chere_-n.html"},"modified":"2020-07-28T15:31:28","modified_gmt":"2020-07-28T13:31:28","slug":"en-2018-l-assurance-emprunteur-sera-moins-chere_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/en-2018-l-assurance-emprunteur-sera-moins-chere_-n.html","title":{"rendered":"En 2018, l’assurance emprunteur sera moins ch\u00e8re"},"content":{"rendered":"

Un amendement de la loi Hamon 2014 adopt\u00e9 en f\u00e9vrier dernier permet aux emprunteurs de r\u00e9silier tous les ans le contrat d’assurance li\u00e9 \u00e0 leur cr\u00e9dit immobilier et ce \u00e0 compter du 1er<\/sup> janvier 2018. La seule condition est de pr\u00e9senter \u00e0 sa banque un contrat offrant des niveaux de garanties \u00e9quivalents. Cette mesure a \u00e9t\u00e9 prise afin de d’offrir la possibilit\u00e9 de souscrire une assurance emprunteur <\/a>aupr\u00e8s d’une autre compagnie que la banque avec laquelle ils r\u00e9alisent leur op\u00e9ration de cr\u00e9dit. Et de r\u00e9aliser ainsi de r\u00e9elles \u00e9conomies durant toute la dur\u00e9e de leur pr\u00eat.<\/p>\n

Bien qu’autoris\u00e9 depuis les lois Lagarde et Hamon, ce recours \u00e0 l’assurance d\u00e9l\u00e9gu\u00e9e stagne autour de 15 %. Les nouvelles dispositions de f\u00e9vrier dernier, qui ouvre les conditions d’acc\u00e8s \u00e0 la d\u00e9l\u00e9gation d’assurance, devrait apporter plus de concurrence dans le secteur et faire baisser les tarifs.<\/p>\n

Un enjeu financier majeur<\/h2>\n

Peu d’emprunteurs le savent, mais la n\u00e9gociation de l’assurance emprunteur est un enjeu majeur. \u00abDans certaines situations, le co\u00fbt de l’assurance d\u00e9passe le co\u00fbt du cr\u00e9dit. C’est notamment le cas pour un couple d’emprunteurs, quel que soit leur \u00e2ge, ou pour un emprunteur seul, \u00e2g\u00e9 de plus de 65 ans\u00bb, souligne Isabelle Tourniaire, associ\u00e9e au cabinet de conseil BAO, sp\u00e9cialiste du secteur de l’assurance. Exemple: un couple non-fumeur de 37 ans, qui emprunte 200 000 \u20ac \u00e0 2 % sur vingt ans, et s’assure \u00e0 100 % sur chaque t\u00eate peut \u00e9conomiser jusqu’\u00e0 15 000 \u20ac sur la dur\u00e9e du pr\u00eat.<\/p>\n

L’expertise d’un courtier est essentielle<\/h2>\n

Tous les assureurs sont capables de tarifer une assurance emprunteur. Le plus simple est de se renseigner aupr\u00e8s d’un courtier en cr\u00e9dit et en assurance <\/a>comme acecredit qui pourra apporter toutes les informations n\u00e9cessaires et rechercher le meilleur tarif selon la situation des emprunteurs.<\/p>\n

Le nouvel assureur peut vous assister dans vos d\u00e9marches, notamment en fournissant une lettre-type de r\u00e9siliation, \u00e0 envoyer en recommand\u00e9 avec avis de r\u00e9ception. La banque \u00e9mettrice du pr\u00eat \u00e0 assurer a 10 jours ouvr\u00e9s pour r\u00e9pondre. Elle n’a pas le droit de refuser la substitution si le nouveau contrat pr\u00e9sente des garanties \u00e9quivalentes. Tout refus de sa part doit \u00eatre motiv\u00e9 par \u00e9crit.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Un amendement de la loi Hamon 2014 adopt\u00e9 en f\u00e9vrier dernier permet aux emprunteurs de r\u00e9silier tous les ans le contrat d\u2019assurance li\u00e9 \u00e0 leur cr\u00e9dit immobilier et ce \u00e0 compter du 1er janvier 2018. De r\u00e9elles \u00e9conomies en perspective.<\/p>\n","protected":false},"author":4,"featured_media":1501,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nL'assurance d'un pr\u00eat immobilier moins ch\u00e8re en 2018<\/title>\n<meta name=\"description\" content=\"Les emprunteurs peuvent r\u00e9silier tous les ans le contrat d\u2019assurance li\u00e9 \u00e0 leur cr\u00e9dit immobilier \u00e0 compter du 1er janvier 2018. 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