{"id":1682,"date":"2018-01-19T21:57:14","date_gmt":"2018-01-19T20:57:14","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html"},"modified":"2020-07-28T15:31:22","modified_gmt":"2020-07-28T13:31:22","slug":"credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html","title":{"rendered":"Cr\u00e9dit immobilier : les emprunteurs pourront changer d&rsquo;assurance tous les ans"},"content":{"rendered":"<div>C&rsquo;\u00e9tait une d\u00e9cision attendue depuis mars dernier et qui va enfin pouvoir entrer en application. Le Conseil constitutionnel vient de valider vendredi 12 janvier 2018 le principe d&rsquo;une r<strong>\u00e9siliation annuelle de l&rsquo;assurance emprunteur<\/strong>. Concr\u00e8tement, comme l&rsquo;avait pr\u00e9vu l&rsquo;amendement \u00ab Bourquin \u00bb, cela signifie que tout souscripteur d&rsquo;un contrat de cr\u00e9dit immobilier en cours a la possibilit\u00e9 depuis le 1er janvier de changer son assurance de pr\u00eat \u00e0 chaque date anniversaire de son contrat.<\/p>\n<p>Pour une couverture \u00e9quivalente, il sera donc possible de r\u00e9aliser quelques milliers d&rsquo;euros en recherchant un tarif moins cher. Une estimation r\u00e9aliste pr\u00e9voit que plus de <strong>la moiti\u00e9 des emprunteurs<\/strong> envisage de faire jouer la concurrence en 2018.<\/div>\n<h2><strong>Une nouvelle donne<\/strong><\/h2>\n<div>La F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF) avait contest\u00e9 la r\u00e9troactivit\u00e9 de cette mesure. Mais le Conseil Constitutionnel a tranch\u00e9 dans le sens d&rsquo;une lib\u00e9risation de ce march\u00e9, mettant ainsi fin au suspens :&nbsp;<em>\u00ab En appliquant ce droit de r\u00e9siliation aux contrats en cours,<\/em>&nbsp;[le l\u00e9gislateur]&nbsp;<em>a voulu, compte tenu de la longue dur\u00e9e de ces contrats, que cette r\u00e9forme puisse profiter au grand nombre des emprunteurs ayant d\u00e9j\u00e0 conclu un contrat d&rsquo;assurance collectif vendus par la banque. Il a ainsi poursuivi un objectif d&rsquo;int\u00e9r\u00eat g\u00e9n\u00e9ral&nbsp;\u00bb,<\/em>&nbsp;a justifi\u00e9 le Conseil constitutionnel dans un communiqu\u00e9.&nbsp;<\/p>\n<p>Cette d\u00e9cision va fortement impact\u00e9 un march\u00e9 tr\u00e8s rentable de 6,5 milliards d&rsquo;euros de cotisations en 2016 et encore <strong>domin\u00e9 \u00e0 80 % par les banques<\/strong> avec leurs contrats \u00ab&nbsp;groupe&nbsp;\u00bb face aux assureurs dits \u00ab alternatifs \u00bb.<\/div>\n<h2><strong>Banques, assurances et emprunteur&nbsp;: qui va sortir gagnant&nbsp;?<\/strong><\/h2>\n<div>Reste \u00e0 savoir comment va s&rsquo;organiser la riposte commerciale des banques qui&nbsp;<em>restent attach\u00e9es au principe de mutualisation qui offre un acc\u00e8s au cr\u00e9dit le plus large possible \u00bb,<\/em>&nbsp;a r\u00e9agi la FBF.<\/p>\n<p>Car les demandes de ren\u00e9gociation de l&rsquo;assurance de pr\u00eats vont logiquement affluer. Notamment de la part de ceux qui ont tout \u00e0 y gagner&nbsp;: les jeunes propri\u00e9taires qui viennent de souscrire un pr\u00eat immobilier et plus globalement les 30 \u2013 45 ans, nouvelle cible prioritaire des banquiers et des assureurs. Mais, tr\u00e8s probablement dans les faits,&nbsp;<strong>la grande majorit\u00e9 des emprunteurs aura int\u00e9r\u00eat \u00e0 changer d&rsquo;assurance<\/strong>. Cela se fera au cas par cas et il sera alors judicieux de faire appel au savoir-faire d&rsquo;un courtier en cr\u00e9dit immobilier et assurance de pr\u00eat<\/a> tel qu&rsquo;acecredit.fr.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>C\u2019\u00e9tait une d\u00e9cision attendue depuis mars dernier et qui va enfin pouvoir entrer en application. Le Conseil constitutionnel vient de valider vendredi 12 janvier 2018 le principe d&rsquo;une r\u00e9siliation annuelle de l&rsquo;assurance emprunteur.<\/p>\n","protected":false},"author":4,"featured_media":1683,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1682","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 : les emprunteurs autoris\u00e9s \u00e0 r\u00e9silier leur assurance de pr\u00eat<\/title>\n<meta name=\"description\" content=\"D\u00e9cision attendue : le Conseil constitutionnel vient de valider le 12 janvier 2018 le principe d&#039;une r\u00e9siliation annuelle de l&#039;assurance emprunteur.\" \/>\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-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-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 : les emprunteurs autoris\u00e9s \u00e0 r\u00e9silier leur assurance de pr\u00eat\" \/>\n<meta property=\"og:description\" content=\"D\u00e9cision attendue : le Conseil constitutionnel vient de valider le 12 janvier 2018 le principe d&#039;une r\u00e9siliation annuelle de l&#039;assurance emprunteur.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2018-01-19T20:57:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:31:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/finance-635805-640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"426\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Cr\u00e9dit immobilier : les emprunteurs pourront changer d&rsquo;assurance tous les ans\",\"datePublished\":\"2018-01-19T20:57:14+00:00\",\"dateModified\":\"2020-07-28T13:31:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html\"},\"wordCount\":422,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/finance-635805-640.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/finance-635805-640.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/finance-635805-640.jpg\",\"width\":640,\"height\":426},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dit immobilier : les emprunteurs pourront changer d&rsquo;assurance tous les ans\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cr\u00e9dit immobilier : les emprunteurs autoris\u00e9s \u00e0 r\u00e9silier leur assurance de pr\u00eat","description":"D\u00e9cision attendue : le Conseil constitutionnel vient de valider le 12 janvier 2018 le principe d'une r\u00e9siliation annuelle de l'assurance emprunteur.","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:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"Cr\u00e9dit immobilier : les emprunteurs autoris\u00e9s \u00e0 r\u00e9silier leur assurance de pr\u00eat","og_description":"D\u00e9cision attendue : le Conseil constitutionnel vient de valider le 12 janvier 2018 le principe d'une r\u00e9siliation annuelle de l'assurance emprunteur.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2018-01-19T20:57:14+00:00","article_modified_time":"2020-07-28T13:31:22+00:00","og_image":[{"width":640,"height":426,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/finance-635805-640.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Cr\u00e9dit immobilier : les emprunteurs pourront changer d&rsquo;assurance tous les ans","datePublished":"2018-01-19T20:57:14+00:00","dateModified":"2020-07-28T13:31:22+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html"},"wordCount":422,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/finance-635805-640.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/finance-635805-640.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/finance-635805-640.jpg","width":640,"height":426},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-les-emprunteurs-pourront-changer-d-assurance-tous-les-ans_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dit immobilier : les emprunteurs pourront changer d&rsquo;assurance tous les ans"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1682","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=1682"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1682\/revisions"}],"predecessor-version":[{"id":3660,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1682\/revisions\/3660"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/1683"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=1682"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=1682"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=1682"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}