{"id":1946,"date":"2018-10-21T23:36:38","date_gmt":"2018-10-21T21:36:38","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-assurance-emprunteur-une-nouvelle-source-d-economie_-n.html"},"modified":"2020-07-28T15:30:42","modified_gmt":"2020-07-28T13:30:42","slug":"l-assurance-emprunteur-une-nouvelle-source-d-economie_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/l-assurance-emprunteur-une-nouvelle-source-d-economie_-n.html","title":{"rendered":"L\u2019assurance emprunteur, une nouvelle source d\u2019\u00e9conomie ?"},"content":{"rendered":"<p>Indispensable lorsque l&rsquo;on souscrit un pr\u00eat immobilier, l&rsquo;assurance emprunteur peut repr\u00e9senter actuellement jusqu&rsquo;\u00e0 <strong>30% du co\u00fbt total<\/strong> d&rsquo;un cr\u00e9dit immobilier. Il est possible de la <strong>ren\u00e9gocier <\/strong>chaque ann\u00e9e. Le faire ou en changer n&rsquo;est pas toujours ais\u00e9, d&rsquo;autant que la fiscalit\u00e9 de cette assurance va \u00eatre alourdie en 2019. Quels sont les points \u00e0 surveiller ?<\/p>\n<h2>R\u00e9siliation annuelle pour tous les contrats<\/h2>\n<div>Sur ce vaste march\u00e9 qui concerne quelque 15 millions d&#8217;emprunteurs fran\u00e7ais, <strong>faire jouer la concurrence<\/strong> est fortement recommand\u00e9, d&rsquo;autant qu&rsquo;il est toujours temps d&rsquo;optimiser cette d\u00e9pense. La loi permet de r\u00e9silier cette assurance m\u00eame si le contrat de pr\u00eat est ancien. Depuis la loi Hamon de 2014, il \u00e9tait d\u00e9j\u00e0 possible de la remplacer durant un an apr\u00e8s la signature du pr\u00eat par une offre concurrente pr\u00e9sentant les m\u00eames garanties mais \u00e9videmment plus avantageuse.<\/p>\n<p>Et, depuis le 1er janvier 2018 (amendement Bourquin de la loi Sapin II), le contrat en cours est <strong>r\u00e9siliable annuellement<\/strong>, quels que soient son \u00e2ge et sa dur\u00e9e. Il est donc maintenant tout \u00e0 fait autoris\u00e9 de <strong>souscrire une assurance individuelle<\/strong> autre que le contrat groupe de la banque qui a accord\u00e9 le cr\u00e9dit immobilier, une pratique courante depuis longtemps. Ce qui permet de b\u00e9n\u00e9ficier d&rsquo;une <strong>r\u00e9elle tarification sur mesure<\/strong>. Et, cerise sur le g\u00e2teau, en cas de substitution d&rsquo;assurance, aucun frais de quelque nature que ce soit ne pourra \u00eatre factur\u00e9 par l&rsquo;\u00e9tablissement pr\u00eateur quitt\u00e9.<\/div>\n<h2>Les grands gagnants<\/h2>\n<div>En r\u00e8gle g\u00e9n\u00e9rale, la ren\u00e9gociation est judicieuse pour certains profils d&#8217;emprunteurs qui peuvent pr\u00e9tendre \u00e0 des tarifs les plus int\u00e9ressants. Ce sont les <strong>moins de 45 ans, les non-fumeurs,<\/strong> les emprunteurs en bonne sant\u00e9 et les cadres.<\/p>\n<p>Mais pas seulement. Les <strong>plus de 50 ans<\/strong>, par exemple, peuvent r\u00e9aliser des \u00e9conomies substantielles en ren\u00e9gociant leur assurance de pr\u00eat. Plusieurs param\u00e8tres sont pris en consid\u00e9ration afin d&rsquo;\u00e9valuer les \u00e9conomies r\u00e9alis\u00e9es : \u00e2ge et \u00e9tat de sant\u00e9, montant du pr\u00eat habitation et date de souscription de ce dernier.<\/p>\n<p>Une solution simple et efficace est de faire appel \u00e0 un courtier sp\u00e9cialis\u00e9 en cr\u00e9dit immobilier et en assurance emprunteur tel que le r\u00e9seau&nbsp;acecredit.fr&nbsp;par exemple. En pratique, pour changer d&rsquo;assurance de pr\u00eat, il est n\u00e9cessaire d&rsquo;adresser une <strong>lettre recommand\u00e9e avec AR<\/strong> en demande de r\u00e9siliation \u00e0 l&rsquo;assureur concern\u00e9 au plus tard <strong>deux mois<\/strong> avant la date anniversaire du contrat, une marge de trois \u00e0 quatre mois \u00e9tant n\u00e9anmoins souhaitable.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Indispensable lorsque l\u2019on souscrit un pr\u00eat immobilier, l\u2019assurance emprunteur peut repr\u00e9senter actuellement jusqu\u2019\u00e0 30% du co\u00fbt total d\u2019un cr\u00e9dit immobilier. Il est possible de la ren\u00e9gocier chaque ann\u00e9e. Le faire ou en changer n\u2019est pas toujours ais\u00e9, d\u2019autant que la fiscalit\u00e9 de cette assurance va \u00eatre alourdie en 2019. Quels sont les points \u00e0 surveiller ?<\/p>\n","protected":false},"author":4,"featured_media":1947,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1946","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>Ren\u00e9gocier son assurance emprunteur<\/title>\n<meta name=\"description\" content=\"L\u2019assurance emprunteur peut repr\u00e9senter actuellement jusqu\u2019\u00e0 30% du co\u00fbt total d\u2019un cr\u00e9dit immobilier. 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