{"id":315,"date":"2014-10-20T19:32:27","date_gmt":"2014-10-20T17:32:27","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/assurance-emprunteur-des-2015-son-cout-devra-etre-precise_-n.html"},"modified":"2020-07-28T15:33:13","modified_gmt":"2020-07-28T13:33:13","slug":"assurance-emprunteur-des-2015-son-cout-devra-etre-precise_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/assurance-emprunteur-des-2015-son-cout-devra-etre-precise_-n.html","title":{"rendered":"Assurance emprunteur : d\u00e8s 2015, son co\u00fbt devra \u00eatre pr\u00e9cis\u00e9"},"content":{"rendered":"

Les souscripteurs d’un cr\u00e9dit immobilier ou \u00e0 la consommation vont b\u00e9n\u00e9ficier de la nouvelle instauration du taux annuel effectif d’assurance (TAEA)<\/a>. <\/p>\n

Cette loi qui l’instaure vise \u00e0 am\u00e9liorer l’information du consommateur en mati\u00e8re d’assurance emprunteur. Le d\u00e9cret de cette loi de 2013 pr\u00e9cisant ses modalit\u00e9s d’application a \u00e9t\u00e9 publi\u00e9 au Journal Officiel du 15 octobre 2014 et n’entrera en vigueur qu’\u00e0 partir du 1er janvier 2015. <\/p>\n

Le TAEA se calcule pr\u00e9cis\u00e9ment \u00ab en soustrayant au taux effectif global du cr\u00e9dit incluant toute assurance propos\u00e9e le taux effectif global du cr\u00e9dit sans aucune assurance \u00bb.<\/p>\n

L’emprunteur pourra dor\u00e9navant savoir exactement combien repr\u00e9sente son assurance dans le co\u00fbt global de son cr\u00e9dit immobilier ou de son pr\u00eat \u00e0 la consommation. Le d\u00e9cret pr\u00e9cise en outre que \u00ab Le TAEA devra \u00eatre accompagn\u00e9 de la mention des garanties (d\u00e9c\u00e8s, incapacit\u00e9, invalidit\u00e9, perte d’emploi…) dont il int\u00e8gre le co\u00fbt \u00bb. <\/p>\n

Ces nouvelles dispositions permettront ainsi d’offrir \u00e0 l’emprunteur une parfaite information quant \u00e0 son assurance emprunteur. De plus, la mise en place de la loi Hamon, offrant des possibilit\u00e9s de r\u00e9siliation annuelle, pourrait motiver certains emprunteurs \u00e0 ren\u00e9gocier leurs contrats, choisir un autre contrat d’assurance chez une autre compagnie. <\/p>\n","protected":false},"excerpt":{"rendered":"

Les souscripteurs d’un cr\u00e9dit immobilier ou \u00e0 la consommation vont b\u00e9n\u00e9ficier de la nouvelle instauration du taux annuel effectif d’assurance (TAEA). Cette loi qui l’instaure vise \u00e0 […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-315","post","type-post","status-publish","format-standard","hentry","category-actualites"],"yoast_head":"\nAssurance emprunteur : d\u00e8s 2015, son co\u00fbt devra \u00eatre pr\u00e9cis\u00e9 - Ace Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/assurance-emprunteur-des-2015-son-cout-devra-etre-precise_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance emprunteur : d\u00e8s 2015, son co\u00fbt devra \u00eatre pr\u00e9cis\u00e9 - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les souscripteurs d’un cr\u00e9dit immobilier ou \u00e0 la consommation vont b\u00e9n\u00e9ficier de la nouvelle instauration du taux annuel effectif d’assurance (TAEA). 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