{"id":1990,"date":"2018-12-13T22:02:43","date_gmt":"2018-12-13T21:02:43","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-hausse-de-taxe-sur-l-assurance-emprunteur-annulee-par-le-senat_-n.html"},"modified":"2020-07-28T15:30:41","modified_gmt":"2020-07-28T13:30:41","slug":"la-hausse-de-taxe-sur-l-assurance-emprunteur-annulee-par-le-senat_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-hausse-de-taxe-sur-l-assurance-emprunteur-annulee-par-le-senat_-n.html","title":{"rendered":"La hausse de taxe sur l\u2019assurance emprunteur annul\u00e9e par le S\u00e9nat"},"content":{"rendered":"

Le S\u00e9nat rejette la hausse de la taxe pr\u00e9vue \u00e0 partir du 1er janvier prochain sur une garantie de l’assurance emprunteur d’un cr\u00e9dit immobilier. Cette suppression devra maintenant \u00eatre confirm\u00e9e par l’Assembl\u00e9e nationale qui aura le dernier mot.<\/p>\n

Hausse mensuelle de 2 \u00e0 3 euros en moyenne<\/h2>\n
Le projet de loi de finances 2019 pr\u00e9voit en effet une hausse de la taxe sur l’assurance emprunteur<\/strong>, obligatoire pour un pr\u00eat immobilier. Cette taxe sp\u00e9ciale sur les conventions d’assurances (TSCA) correspond \u00e0 9 % du montant de l’assurance concernant l’incapacit\u00e9 de travail, la perte d’emploi ou d’invalidit\u00e9. D\u00e8s 2019, la totalit\u00e9 de la prime<\/strong> (y compris la partie couvrant le d\u00e9c\u00e8s aujourd’hui exempt\u00e9e) devait \u00eatre concern\u00e9e mais ne devait s’appliquer qu’aux nouveaux contrats<\/strong>. Cette augmentation avait pour objectif de compenser en partie la r\u00e9forme du financement d’Action Logement (qui g\u00e8re la participation des employeurs \u00e0 la construction de logements) contenue dans la loi Pacte, qui doit co\u00fbter 300 millions d’euros par an.<\/p>\n

La garantie d\u00e9c\u00e8s repr\u00e9sente en g\u00e9n\u00e9ral deux tiers du tarif global<\/strong> de l’assurance emprunteur. L’application de la taxe \u00e0 9% sur cette derni\u00e8re aurait ainsi pour cons\u00e9quence de l’augmenter tout au plus \u00e0 6%. Cela repr\u00e9senterait un surco\u00fbt moyen de 2 ou 3 \u20ac par mois<\/strong> sur un contrat standard, ce qui correspond \u00e0 une hausse de 1% \u00e0 5% selon le profil de l’emprunteur. Les s\u00e9nateurs ont consid\u00e9r\u00e9 que cette augmentation du co\u00fbt de l’assurance, et donc du co\u00fbt du cr\u00e9dit, aurait pour cons\u00e9quence de p\u00e9naliser les m\u00e9nages les plus modestes.<\/div>\n

Le \u00ab non \u00bb des s\u00e9nateurs<\/h2>\n
Le S\u00e9nat a vot\u00e9 le 7 d\u00e9cembre dernier la suppression de la hausse de cette taxe sp\u00e9ciale<\/strong> sur les conventions d’assurances (TSCA) en adoptant plusieurs amendements supprimant l’article 52. \u00ab\u00a0Se loger ce n’est pas juste un plaisir, c’est une n\u00e9cessit\u00e9<\/em>\u00ab\u00a0, a plaid\u00e9 Alb\u00e9ric de Montgolfier (LR), rapporteur g\u00e9n\u00e9ral du budget, qui ajoute que la hausse de la taxe sur une assurance \u00ab\u00a0totalement obligatoire<\/em>\u00a0\u00bb aurait pour cons\u00e9quence de \u00ab\u00a0rench\u00e9rir le co\u00fbt des cr\u00e9dits<\/em>\u00ab\u00a0. Pour Jean-Fran\u00e7ois Husson (LR), \u00ab\u00a0il est grand temps d’entendre que l’accumulation de taxes nouvelles n’est aujourd’hui plus acceptable<\/em>\u00ab\u00a0.<\/p>\n

Selon le journal Les \u00c9chos, cette mesure pourrait en effet entra\u00eener un surco\u00fbt total de 480 \u00e0 720 euros<\/strong> sur l’ensemble de la dur\u00e9e du pr\u00eat courant sur 20 ans, soit une dur\u00e9e d’un contrat d’assurance moyen. Pour choisir en toute connaissance de cause son assurance-emprunteur, faire appel \u00e0 un expert du courtage en assurance tel qu’acecredit.fr est plus que jamais d’actualit\u00e9.<\/div>\n","protected":false},"excerpt":{"rendered":"

Le S\u00e9nat rejette la hausse de la taxe pr\u00e9vue \u00e0 partir du 1er janvier sur une garantie de l\u2019assurance emprunteur d\u2019un cr\u00e9dit immobilier. Cette suppression devra maintenant \u00eatre confirm\u00e9e par l’Assembl\u00e9e nationale qui aura le dernier mot.<\/p>\n","protected":false},"author":4,"featured_media":1991,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1990","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nSuppression par le S\u00e9nat de la hausse de la taxe de l\u2019assurance emprunteur<\/title>\n<meta name=\"description\" content=\"Le S\u00e9nat rejette la hausse de la taxe pr\u00e9vue en 2019 sur une garantie de l\u2019assurance emprunteur d\u2019un cr\u00e9dit immobilier. 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