{"id":1924,"date":"2018-09-26T17:04:24","date_gmt":"2018-09-26T15:04:24","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-assurance-emprunteur-plus-chere-en-2019_-n.html"},"modified":"2020-07-28T15:30:42","modified_gmt":"2020-07-28T13:30:42","slug":"l-assurance-emprunteur-plus-chere-en-2019_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-assurance-emprunteur-plus-chere-en-2019_-n.html","title":{"rendered":"L\u2019assurance emprunteur plus ch\u00e8re en 2019 ?"},"content":{"rendered":"<div>Les m\u00e9nages souhaitant acheter leur logement risquent d&rsquo;avoir \u00e0 payer un peu plus cher leur assurance de pr\u00eat \u00e0 partir de l&rsquo;ann\u00e9e prochaine. Explications.<\/p>\n<p>Selon les plans de Bercy, la fiscalit\u00e9 de l&rsquo;assurance-emprunteur devrait \u00eatre <strong>alourdie <\/strong>en 2019. La <strong>taxe sp\u00e9ciale<\/strong> sur les conventions d&rsquo;assurance, qui s&rsquo;appliquait \u00e0 une partie seulement de la prime d&rsquo;assurance, sera \u00e9tendue \u00e0 l&rsquo;ensemble des garanties d\u00e8s le 1er&nbsp;janvier 2019.<\/div>\n<h2><strong>Taxe de 9% \u00e9largie<\/strong><\/h2>\n<div>Il existe aujourd&rsquo;hui une taxe sp\u00e9ciale sur les conventions d&rsquo;assurances (TSCA) de 9&nbsp;%, mais elle s&rsquo;applique seulement sur une partie de la prime, celle qui permet d&rsquo;\u00eatre rembours\u00e9e en cas d&rsquo;incapacit\u00e9 de travail, de perte d&#8217;emploi ou d&rsquo;invalidit\u00e9. D\u00e8s 2019, la <strong>totalit\u00e9 de la prime<\/strong> (y compris la partie couvrant le d\u00e9c\u00e8s) sera concern\u00e9e.<\/p>\n<p>Cet alourdissement de la fiscalit\u00e9 s&rsquo;appliquerait aux seuls nouveaux contrats. \u00ab\u00a0<em>Il s&rsquo;agit d&rsquo;une mesure de coh\u00e9rence<\/em>\u00ab\u00a0, qui permettra une \u00ab\u00a0<em>uniformit\u00e9 du mode de taxation<\/em>\u00a0\u00bb de l&rsquo;assurance-emprunteur, a expliqu\u00e9 Bercy \u00e0 l&rsquo;AFP. Cette mesure devrait rapporter pr\u00e8s de 100 millions d&rsquo;euros aux finances publiques l&rsquo;an prochain, a-t-on pr\u00e9cis\u00e9, 180&nbsp;millions d&rsquo;euros en 2020 et <strong>500&nbsp;millions d&rsquo;euros<\/strong> en rythme de croisi\u00e8re, une fois que les contrats auront \u00e9t\u00e9 renouvel\u00e9s. L&rsquo;objectif est de <strong>compenser <\/strong>en partie <strong>la r\u00e9forme du financement d&rsquo;Action Logement<\/strong> (qui g\u00e8re la participation des employeurs \u00e0 la construction de logements) contenue dans la loi Pacte, qui doit co\u00fbter 300 millions d&rsquo;euros par an.<\/div>\n<h2><strong>2 \u00e0 3 euros en plus chaque mois en moyenne<\/strong><\/h2>\n<div>L&rsquo;augmentation de la taxe, collect\u00e9e par les assureurs, risque d&rsquo;\u00eatre directement r\u00e9percut\u00e9e sur les emprunteurs. Selon le journal Les \u00c9chos, cette mesure pourrait entra\u00eener <strong>un surco\u00fbt de deux \u00e0 trois euros par mois<\/strong> pour les emprunteurs ayant souscrit un contrat d&rsquo;assurance moyen. Soit, pour un cr\u00e9dit courant sur 20 ans, un surco\u00fbt total de 480 \u00e0 720 euros sur l&rsquo;ensemble de la dur\u00e9e du pr\u00eat.<\/p>\n<p>Cette augmentation potentielle des prix pourrait aussi dissuader les assur\u00e9s actuels de ren\u00e9gocier leur contrat dans l&rsquo;id\u00e9e de faire des \u00e9conomies en faisant jouer la concurrence. De l&rsquo;int\u00e9r\u00eat \u00e0 faire appel \u00e0 un expert du courtage en assurance tel qu&rsquo;acecredit.fr&nbsp;pour s&rsquo;assurer de la bonne ad\u00e9quation entre le co\u00fbt et la couverture de son assurance emprunteur.&nbsp;<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Les m\u00e9nages souhaitant acheter leur logement risquent d&rsquo;avoir \u00e0 payer un peu plus cher leur assurance de pr\u00eat \u00e0 partir de l&rsquo;ann\u00e9e prochaine. La taxe sp\u00e9ciale sur les conventions d&rsquo;assurance, qui s&rsquo;appliquait \u00e0 une partie seulement de la prime d&rsquo;assurance, sera \u00e9tendue \u00e0 l&rsquo;ensemble des garanties d\u00e8s le 1er\u00a0janvier 2019.<\/p>\n","protected":false},"author":4,"featured_media":1925,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1924","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>Vers une augmentation de l&#039;assurance emprunteur en 2019 ?<\/title>\n<meta name=\"description\" content=\"Les m\u00e9nages souhaitant acheter leur logement risquent de payer un peu plus cher leur assurance de pr\u00eat en 2019. 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