{"id":2138,"date":"2019-06-26T11:36:33","date_gmt":"2019-06-26T09:36:33","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/profitez-de-l-ete-pour-renegocier-votre-assurance-emprunteur_-n.html"},"modified":"2020-07-28T15:30:38","modified_gmt":"2020-07-28T13:30:38","slug":"profitez-de-l-ete-pour-renegocier-votre-assurance-emprunteur_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/profitez-de-l-ete-pour-renegocier-votre-assurance-emprunteur_-n.html","title":{"rendered":"Profitez de l\u2019\u00e9t\u00e9 pour ren\u00e9gocier votre assurance emprunteur"},"content":{"rendered":"<p>En cette p\u00e9riode estivale o\u00f9 le cr\u00e9dit immobilier est toujours tr\u00e8s bon march\u00e9, n\u00e9gocier le volet assurance de son pr\u00eat<\/a> va se r\u00e9v\u00e9ler riche en \u00e9conomies.<strong> L&rsquo;assurance-emprunteur p\u00e8se lourd<\/strong> : entre 30 % \u00e0 40 % du co\u00fbt total d&rsquo;un pr\u00eat. La loi Bourquin permet de la r\u00e9silier annuellement.<\/p>\n<h2>Un co\u00fbt cons\u00e9quent<\/h2>\n<div>Toute la presse, tous les acteurs sont unanimes : jamais <strong>emprunter n&rsquo;aura co\u00fbt\u00e9 si peu cher<\/strong> qu&rsquo;en ce moment. A 1,29% (hors assurance) en moyenne toutes dur\u00e9es confondues, \u00ab\u00a0<em>les taux des cr\u00e9dits immobiliers s&rsquo;\u00e9tablissent maintenant au niveau le plus bas jamais constat\u00e9 jusqu&rsquo;alors<\/em>\u00ab\u00a0, r\u00e9sume ainsi l&rsquo;observatoire Cr\u00e9dit Logement\/CSA. Une excellente nouvelle pour les acqu\u00e9reurs qui doivent maintenant s&rsquo;attacher \u00e0 d\u00e9nicher et <strong>n\u00e9gocier le meilleur tarif pour leur assurance emprunteur<\/strong>.<\/p>\n<p>Le co\u00fbt du cr\u00e9dit immobilier d\u00e9pend directement des taux qui sont soumis notamment \u00e0 la politique de la Banque centrale europ\u00e9enne. A contrario, <strong>le montant des cotisations est fixe<\/strong>, il est calcul\u00e9 en fonction de la possibilit\u00e9 de survenance des risques assur\u00e9s. Assurer son emprunt engendre donc le m\u00eame co\u00fbt. Evidence math\u00e9matique : plus les taux sont bas, plus la part que repr\u00e9sente l&rsquo;assurance emprunteur dans le co\u00fbt total du cr\u00e9dit est \u00e9lev\u00e9e. Selon diff\u00e9rents courtiers en assurance, elle est estim\u00e9e \u00e0 <strong>25% en moyenne<\/strong> et peut m\u00eame grimper jusqu&rsquo;\u00e0 40% selon les dossiers.<\/div>\n<h2>R\u00e9siliation autoris\u00e9e une fois par an<\/h2>\n<div>N\u00e9gocier son assurance permet donc de <strong>faire baisser significativement<\/strong> le co\u00fbt du cr\u00e9dit en 2019. La meilleure fa\u00e7on d&rsquo;y arriver est de faire jouer la concurrence entre l&rsquo;\u00e9tablissement bancaire \u00e9metteur du pr\u00eat et les assureurs sp\u00e9cialis\u00e9s et cela m\u00eame apr\u00e8s signature du cr\u00e9dit. La loi Hamon donne la possibilit\u00e9 \u00e0 l&#8217;emprunteur de r<strong>\u00e9silier son assurance dans les 12 mois<\/strong> suivant la signature du contrat afin de trouver un meilleur prix, sous r\u00e9serve de garanties \u00e9quivalentes.<\/p>\n<p>De m\u00eame, l&rsquo;amendement Bourquin autorise les particuliers \u00e0 r\u00e9silier <strong>chaque ann\u00e9e, \u00e0 la date d&rsquo;anniversaire<\/strong> du contrat, son assurance emprunteur. La notion de date d&rsquo;anniversaire est cependant encore trop sujette \u00e0 interpr\u00e9tation selon Martial Bourquin, d\u00e9put\u00e9 PS du Doubs et auteur de cet amendement. Pour lui, la date \u00e0 retenir doit \u00eatre celle de la signature de l&rsquo;offre de pr\u00eat. Les banques ne joueraient pas le jeu : \u00ab <em>Le secteur bancaire a captur\u00e9 l&rsquo;argent de ces assurances qui sont \u00e0 des prix prohibitifs, voire scandaleux parfois<\/em>, affirme-t-il au Figaro Immobilier. <em>Les banques doivent rendre aux Fran\u00e7ais trois milliards d&rsquo;euros de pouvoir d&rsquo;achat. Le gouvernement doit prendre la d\u00e9fense des Fran\u00e7ais<\/em> \u00bb.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>En cette p\u00e9riode estivale o\u00f9 le cr\u00e9dit immobilier est toujours tr\u00e8s bon march\u00e9, n\u00e9gocier le volet assurance de son pr\u00eat va se r\u00e9v\u00e9ler riche en \u00e9conomies. L&rsquo;assurance-emprunteur p\u00e8se lourd : entre 30 % \u00e0 40 % du co\u00fbt total d&rsquo;un pr\u00eat. La loi Bourquin permet de la r\u00e9silier annuellement.<\/p>\n","protected":false},"author":4,"featured_media":2139,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2138","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>Cet \u00e9t\u00e9, changez d&#039;assurance emprunteur pour \u00e9conomiser<\/title>\n<meta name=\"description\" content=\"N\u00e9gocier son assurance de pr\u00eat est riche en \u00e9conomies. 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Elle repr\u00e9sente jusqu&#039;\u00e0 30 % \u00e0 40 % du co\u00fbt total d&#039;un cr\u00e9dit.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/profitez-de-l-ete-pour-renegocier-votre-assurance-emprunteur_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-26T09:36:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:30:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/business-861325-6402.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\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 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