{"id":2240,"date":"2019-11-01T21:16:05","date_gmt":"2019-11-01T20:16:05","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/changer-son-assurance-emprunteur-devrait-bientot-devenir-encore-plus-facile_-n.html"},"modified":"2020-07-28T15:30:34","modified_gmt":"2020-07-28T13:30:34","slug":"changer-son-assurance-emprunteur-devrait-bientot-devenir-encore-plus-facile_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/changer-son-assurance-emprunteur-devrait-bientot-devenir-encore-plus-facile_-n.html","title":{"rendered":"Changer son assurance emprunteur devrait bient\u00f4t devenir encore plus facile"},"content":{"rendered":"<div>Un tiers des m\u00e9nages fran\u00e7ais rembourse un pr\u00eat immobilier. Or, depuis la chute des taux d&rsquo;int\u00e9r\u00eat, l&rsquo;assurance emprunteur repr\u00e9sente <strong>une part toujours plus importante<\/strong> du co\u00fbt de ce pr\u00eat. Un <strong>projet de loi<\/strong> vise \u00e0 renforcer l&rsquo;information des emprunteurs concernant les <strong>modalit\u00e9s de changement <\/strong>de cette assurance pour en abaisser le co\u00fbt.<\/p>\n<p>C&rsquo;est (presque) devenu une habitude depuis le d\u00e9but de l&rsquo;ann\u00e9e : les taux immobiliers sont toujours aussi bon march\u00e9. La moyenne (hors assurance) toutes dur\u00e9es confondues s&rsquo;\u00e9tablit \u00e0 1,18% en septembre 2019 contre 1,17% en ao\u00fbt, selon l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA. Pour rappel, la moyenne s&rsquo;\u00e9levait \u00e0 1,44% en d\u00e9cembre 2018, \u00e0 1,51% en d\u00e9cembre 2017, \u00e0 3,21% en d\u00e9cembre 2012. Ces <strong>taux historiquement bas<\/strong> mettent en exergue le co\u00fbt de l&rsquo;assurance du pr\u00eat qui couvre les risques de d\u00e9c\u00e8s, d&rsquo;invalidit\u00e9, d&rsquo;incapacit\u00e9 et que les Fran\u00e7ais ont peu l&rsquo;habitude de scruter contrairement au taux de cr\u00e9dit. Cette <strong>assurance <\/strong>peut aujourd&rsquo;hui <strong>co\u00fbter plus cher&nbsp;que le cr\u00e9dit<\/strong> lui-m\u00eame. Les assurances groupe propos\u00e9es par les banques sont calcul\u00e9es sur le capital emprunt\u00e9 et non sur le capital restant d\u00fb comme pour le cr\u00e9dit immobilier. Elles ne sont donc jamais impact\u00e9e par les baisses des taux.&nbsp;<\/div>\n<h2>Peu de ren\u00e9gociation des contrats d&rsquo;assurance emprunteur<\/h2>\n<p>Les emprunteurs ne sont pas oblig\u00e9s de prendre le contrat-groupe propos\u00e9 par la banque pr\u00eateuse. Ils peuvent <strong>faire jouer la concurrence<\/strong> et choisir un assureur tiers moins cher en souscrivant une d\u00e9l\u00e9gation d&rsquo;assurance. Depuis l&rsquo;amendement Bourquin, ils peuvent \u00e9galement <strong>ren\u00e9gocier annuellement<\/strong> tout contrat d&rsquo;assurance emprunteur. Mais, malgr\u00e9 l&rsquo;entr\u00e9e en vigueur de cette mesure le 1<sup>er<\/sup> janvier 2018, \u00ab\u00a0<em>le march\u00e9 ne s&rsquo;est pas ouvert\u00a0\u00bb<\/em>, d\u00e9plore le s\u00e9nateur Bourquin, initiateur de cet amendement. Estim\u00e9 \u00e0 9 milliards d&rsquo;euros, ce march\u00e9 reste \u00ab\u00a0<em>pour 87% captif des banques<\/em>\u00ab\u00a0, selon lui, qui d\u00e9fend un enjeu \u00ab\u00a0<em><strong>de pouvoir d&rsquo;achat<\/strong><\/em>\u00a0\u00bb pour les Fran\u00e7ais. L&rsquo;exercice du libre jeu de la concurrence pourrait redonner \u00ab\u00a0<em>trois milliards d&rsquo;euros<\/em>\u00a0\u00bb aux m\u00e9nages.<\/p>\n<h2>Vers une obligation d&rsquo;information obligatoire<\/h2>\n<p>Il a donc d\u00e9pos\u00e9 une <strong>proposition de loi<\/strong> dont l&rsquo;objectif est de \u00ab\u00a0<em>renforcer l&rsquo;effectivit\u00e9 du droit au changement d&rsquo;assurance emprunteur<\/em>\u00a0\u00bb&nbsp;et notamment de <strong>d\u00e9finir pr\u00e9cis\u00e9ment la date anniversaire<\/strong> qui permettrait ce changement, \u00e0 savoir celle de la signature de l&rsquo;offre de pr\u00eat. Trois mois avant, les banques auront <strong>l&rsquo;obligation d&rsquo;informer l&#8217;emprunteur sur son droit \u00e0 r\u00e9silier<\/strong> son contrat pour en choisir un autre. Ce texte a re\u00e7u un tr\u00e8s large soutien&nbsp;du gouvernement. \u00ab\u00a0<em>Il permettra de donner une effectivit\u00e9 accrue aux droits de nos concitoyens<\/em>\u00ab\u00a0, a d\u00e9clar\u00e9 Agn\u00e8s Pannier-Runacher, la secr\u00e9taire d&rsquo;\u00c9tat aupr\u00e8s du ministre de l&rsquo;\u00c9conomie et des Finances.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;assurance emprunteur repr\u00e9sente une part toujours plus importante du co\u00fbt du cr\u00e9dit immobilier. Un projet de loi vise \u00e0 renforcer l\u2019information des emprunteurs concernant les modalit\u00e9s de changement de cette assurance pour en abaisser le co\u00fbt.<\/p>\n","protected":false},"author":4,"featured_media":2241,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2240","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>Une loi pour faciliter le changement annuel d&#039;assurance emprunteur de cr\u00e9dit immobilier<\/title>\n<meta name=\"description\" content=\"Un projet de loi va renforcer l\u2019information pour faciliter le changement de l&#039;assurance emprunteur et en baisser le co\u00fbt.\" \/>\n<meta name=\"robots\" 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