{"id":354,"date":"2014-12-23T19:13:05","date_gmt":"2014-12-23T18:13:05","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/assurance-emprunteur-on-espere-un-accord-conclu-definitivement-pour-debut-2015_-n.html"},"modified":"2020-07-28T15:33:11","modified_gmt":"2020-07-28T13:33:11","slug":"assurance-emprunteur-on-espere-un-accord-conclu-definitivement-pour-debut-2015_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/assurance-emprunteur-on-espere-un-accord-conclu-definitivement-pour-debut-2015_-n.html","title":{"rendered":"Assurance-emprunteur : on esp\u00e8re un accord conclu d\u00e9finitivement pour d\u00e9but 2015"},"content":{"rendered":"

Les n\u00e9gociations sur l’assurance-emprunteur men\u00e9es et organis\u00e9es sous la responsabilit\u00e9 du Comit\u00e9 consultatif du secteur financier<\/a> (CCSF) ne sont pas termin\u00e9es, loin s’en faut\u0085<\/p>\n

Ayant d\u00e9but\u00e9 il y a d\u00e9j\u00e0 3 mois, ces discussions tr\u00e8s techniques devaient raisonnablement s’achever avant la fin de l’ann\u00e9e 2014. L’objet de celles-ci est de permettre aux acteurs professionnels de l’assurance emprunteur de se mesurer au sein d’un cadre technique bien d\u00e9fini.<\/p>\n

Mais \u00e0 ce jour, assureurs, mais aussi associations de consommateurs, banquiers, et courtiers n’ont toujours pas trouv\u00e9 d’accord satisfaisant pour toutes les parties. \u00ab Nous restons tr\u00e8s d\u00e9termin\u00e9s \u00e0 obtenir un accord global d\u00e9but janvier \u00bb, pr\u00e9cise aux \u00ab Echos \u00bb Emmanuel Constans, le pr\u00e9sident du Comit\u00e9 consultatif du secteur financier. Le 12 janvier prochain, une r\u00e9union pl\u00e9ni\u00e8re des diff\u00e9rents acteurs du dossier est pr\u00e9vue.<\/p>\n

Deux soucis en particulier restent \u00e0 r\u00e9soudre. Tout d’abord, les acteurs du dossier devront trouver un terrain d’entente sur les crit\u00e8res de comparaison entre le contrat initial de la banque et le second contrat alternatif propos\u00e9 par l’emprunteur.<\/p>\n

Pour ceux qui sont favorables \u00e0 la r\u00e9forme, plus les crit\u00e8res seront peu nombreux et simples, plus il sera ais\u00e9 d’identifier le contrat le plus performant en termes de couverture. Pour les repr\u00e9sentants des banques, disposer d’un nombre de crit\u00e8res plus important offrirait une plus grande richesse de garanties \u00e0 l’emprunteur.<\/p>\n

Le second \u00e9l\u00e9ment qui demande encore un arbitrage est le moment auquel la banque doit communiquer \u00e0 l’emprunteur la liste des garanties qu’elle exige.<\/p>\n

Bien que chacun soit d’accord avec le fait que le plus t\u00f4t serait le mieux, certains vont jusqu’\u00e0 souhaiter que cette liste soit fournie d\u00e8s les premi\u00e8res simulations du pr\u00eat immobilier.<\/a> Et ce avant m\u00eame que l’emprunteur ne remplisse le formulaire d’ordre m\u00e9dical de l’assurance.<\/p>\n","protected":false},"excerpt":{"rendered":"

Les n\u00e9gociations sur l’assurance-emprunteur men\u00e9es et organis\u00e9es sous la responsabilit\u00e9 du Comit\u00e9 consultatif du secteur financier (CCSF) ne sont pas termin\u00e9es, loin s’en faut\u0085 Ayant d\u00e9but\u00e9 il […]<\/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-354","post","type-post","status-publish","format-standard","hentry","category-actualites"],"yoast_head":"\nAssurance-emprunteur : on esp\u00e8re un accord conclu d\u00e9finitivement pour d\u00e9but 2015 - 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-on-espere-un-accord-conclu-definitivement-pour-debut-2015_-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 : on esp\u00e8re un accord conclu d\u00e9finitivement pour d\u00e9but 2015 - 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