{"id":2124,"date":"2019-06-12T11:24:20","date_gmt":"2019-06-12T09:24:20","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/pourquoi-faut-il-assurer-son-pret_-n.html"},"modified":"2020-07-28T15:30:38","modified_gmt":"2020-07-28T13:30:38","slug":"pourquoi-faut-il-assurer-son-pret_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/pourquoi-faut-il-assurer-son-pret_-n.html","title":{"rendered":"Pourquoi faut-il assurer son pr\u00eat ?"},"content":{"rendered":"<p>Acheter un bien immobilier se fait dans la quasi-totalit\u00e9 des cas via une banque en contractant un cr\u00e9dit, et d&rsquo;autant plus lorsque les taux sont incroyablement bas comme actuellement. La banque \u00e9mettrice du pr\u00eat demande alors syst\u00e9matiquement \u00e0 l&#8217;emprunteur de <strong>souscrire une assurance<\/strong>, lequel est ensuite<strong> libre de choisir <\/strong>celle de la banque ou une autre aupr\u00e8s d&rsquo;un assureur ind\u00e9pendant.<\/p>\n<h2><strong>Une exigence des banques<\/strong><\/h2>\n<p>L\u00e9galement non obligatoire mais <strong>exig\u00e9e <\/strong>dans tous les cas, l&rsquo;assurance de pr\u00eat immobilier est une <strong>couverture financi\u00e8re<\/strong> demand\u00e9e par la banque qui accorde un cr\u00e9dit immobilier \u00e0 un emprunteur. Les dur\u00e9es de remboursement d\u00e9j\u00e0 longues tendent \u00e0 s&rsquo;allonger pour atteindre aujourd&rsquo;hui 19 ans en moyenne et m\u00eame 30 ans. Durant ce laps de temps, il est fort probable que certains emprunteurs subissent malheureusement certains <strong>al\u00e9as de la vie<\/strong>, \u00e9videmment difficiles \u00e0 anticiper. Pour \u00eatre <strong>prot\u00e9g\u00e9s&nbsp;<\/strong>financi\u00e8rement, les emprunteurs doivent souscrire ainsi \u00e0 une assurance sp\u00e9cifique qui garantit \u00e0 la banque le <strong>paiement des mensualit\u00e9s<\/strong> de ce cr\u00e9dit, donc le remboursement du capital pr\u00eat\u00e9, en cas de <strong>d\u00e9faillance <\/strong>ou <strong>d&rsquo;insolvabilit\u00e9 <\/strong>de(s) emprunteurs(s) : d\u00e9c\u00e8s, hospitalisation longue ou invalidit\u00e9.<\/p>\n<h2><strong>Triple protection pour les acheteurs<\/strong><\/h2>\n<p>La garantie \u00ab\u00a0<strong>D\u00e9c\u00e8s<\/strong>\u00a0\u00bb est assortie d&rsquo;un \u00e2ge limite de garantie, elle ne couvre donc pas obligatoirement la p\u00e9riode totale du pr\u00eat. L&rsquo;assureur versera le capital restant d\u00fb au jour du d\u00e9c\u00e8s de l&#8217;emprunteur.<br \/>\n&nbsp;<\/p>\n<p>La garantie \u00ab\u00a0<strong>Incapacit\u00e9 Temporaire de Travail<\/strong>\u00a0\u00bb prend en charge un arr\u00eat de travail suite \u00e0 une maladie ou un accident d\u00e8s lors que l&rsquo;assur\u00e9 est d\u00e9clar\u00e9 inapte \u00e0 exercer temporairement son\/toute activit\u00e9 professionnelle \u00e0 temps plein. La garantie \u00ab\u00a0Perte Totale et Irr\u00e9versible d&rsquo;Autonomie\u00a0\u00bb s&rsquo;exerce lorsque l&rsquo;assur\u00e9 b\u00e9n\u00e9ficie d&rsquo;une pension d&rsquo;invalidit\u00e9 d&rsquo;un r\u00e9gime obligatoire d&rsquo;assurance maladie (S\u00e9curit\u00e9 Sociale, RSI). Ce n&rsquo;est parfois pas suffisant, il est fortement conseill\u00e9 de lire attentivement les clauses du contrat d&rsquo;assurance concernant l&rsquo;\u00e9tendue et les modalit\u00e9s de cette garantie.<br \/>\n&nbsp;<\/p>\n<p>La garantie \u00ab\u00a0<strong>Invalidit\u00e9 Permanente Totale ou Partielle<\/strong>\u00a0\u00bb correspond \u00e0 une inaptitude permanente au travail (totale ou partielle). Elle est dite totale quand l&rsquo;assur\u00e9 pr\u00e9sente un taux d&rsquo;incapacit\u00e9 au moins \u00e9gal \u00e0 66 % et partielle pour un taux d&rsquo;incapacit\u00e9 au moins \u00e9gal \u00e0 33 % et inf\u00e9rieur \u00e0 66 % (ce taux est appr\u00e9ci\u00e9 par un bar\u00e8me m\u00e9dical mentionn\u00e9 dans le contrat d&rsquo;assurance). Souvent le taux d&rsquo;invalidit\u00e9 est d\u00e9termin\u00e9 par le croisement d&rsquo;un taux d&rsquo;incapacit\u00e9 fonctionnelle et d&rsquo;un taux d&rsquo;incapacit\u00e9 professionnelle.<br \/>\n&nbsp;<\/p>\n<p>A savoir : la loi Lagarde et la loi Bourquin autorisent \u00e0 souscrire une assurance emprunteur via <strong>une autre compagnie <\/strong>que celle propos\u00e9e par la banque \u00e9mettrice du pr\u00eat, \u00e0 condition que les <strong>garanties <\/strong>propos\u00e9es soient au moins <strong>\u00e9quivalentes<\/strong>. Compte tenu de leur co\u00fbt, ces contrats peuvent s&rsquo;av\u00e9rer<strong> tr\u00e8s avantageux<\/strong> : de 0,10 % \u00e0 0,30 % selon l&rsquo;\u00e2ge.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acheter un bien immobilier se fait dans la quasi-totalit\u00e9 des cas via une banque en contractant un cr\u00e9dit. La banque demande alors syst\u00e9matiquement \u00e0 l\u2019emprunteur de souscrire une assurance, qui peut choisir celle de la banque ou celle d\u2019un assureur ind\u00e9pendant.<\/p>\n","protected":false},"author":4,"featured_media":2125,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2124","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>Un cr\u00e9dit immobilier doit s&#039;assurer<\/title>\n<meta name=\"description\" content=\"Acheter un bien immobilier se fait en contractant un cr\u00e9dit qui doit \u00eatre assur\u00e9 par la banque ou un assureur ind\u00e9pendant.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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