{"id":6308,"date":"2022-03-03T15:23:54","date_gmt":"2022-03-03T14:23:54","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-03-03T15:25:18","modified_gmt":"2022-03-03T14:25:18","slug":"devenir-proprietaire-et-proteger-sa-famille","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/devenir-proprietaire-et-proteger-sa-famille.html","title":{"rendered":"Devenir propri\u00e9taire et prot\u00e9ger sa famille"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Vous entamez la recherche de votre bien immobilier et vous souhaitez obtenir la meilleure offre pour votre cr\u00e9dit et votre assurance emprunteur. Il est important d\u2019anticiper \u00e9galement les garanties qui prot\u00e8gent votre famille en cas d\u2019al\u00e9as de la vie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Prot\u00e9ger votre cr\u00e9dit immobilier, une obligation&nbsp;!<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Assurer votre cr\u00e9dit vous sera impos\u00e9 par la banque lors de la souscription. Cette assurance prot\u00e8ge votre achat immobilier en cas d\u2019al\u00e9as de la vie en prenant en charge tout ou partie de votre mensualit\u00e9 voire le montant du pr\u00eat encore d\u00fb \u00e0 la banque. &nbsp;Le montant vers\u00e9 par l\u2019assureur, qui d\u00e9pend du niveau de protection choisi, sera affect\u00e9 au remboursement de la mensualit\u00e9 (ou du pr\u00eat), et donc \u00e0 la banque. Cela constitue une bonne protection pour vous assurer d\u2019avoir les moyens de conserver votre bien, ou en tous cas d\u2019all\u00e9ger l\u2019impact financier d\u2019une situation d\u2019incapacit\u00e9 temporaire de travail, d\u2019une invalidit\u00e9 voire d\u2019un d\u00e9c\u00e8s. Cette protection est donc essentielle dans votre projet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Anticiper les impr\u00e9vus n&rsquo;est pas toujours s\u00fbr. <\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La vie n\u2019est pas un long fleuve tranquille\u2026 Et il est difficile d\u2019imaginer ce qui se passera demain, et encore moins sur la dur\u00e9e de vie de votre cr\u00e9dit&nbsp;: 15, 20 voire 25 ans. Les al\u00e9as de la vie sont un param\u00e8tre \u00e0 prendre compte. Que vous soyez une personne seule ou en couple, avec ou sans enfants, l\u2019arriv\u00e9e d\u2019un accident ou d\u2019une pathologie peut avoir des cons\u00e9quences financi\u00e8res importantes pour vos proches&nbsp;: augmentation des frais quotidiens, persistance des factures li\u00e9es \u00e0 votre bien immobilier, baisse des revenus en raison d\u2019un arr\u00eat d\u2019activit\u00e9 professionnelle\u2026 Sans imaginer des al\u00e9as importants, de simples probl\u00e8mes de dos r\u00e9currents peuvent avoir un impact sur votre situation. Une situation qu\u2019ont d\u00e9j\u00e0 rencontr\u00e9 sept fran\u00e7ais sur dix selon<a> <\/a>une enqu\u00eate d\u2019OpinionWay*, que l\u2019on appelle d\u00e9sormais le&nbsp;\u00ab\u2009mal du si\u00e8cle\u2009\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des difficult\u00e9s financi\u00e8res ou des tensions sur votre budget&nbsp;dont vous n\u2019avez pas besoin dans un moment plus difficile et qui n\u00e9cessite toute votre \u00e9nergie. Il existe pourtant des solutions vous offrant plus de s\u00e9curit\u00e9 et de protection.<\/p>\n\n\n<div class=\"container-link\"><a href=\"\/fr\/assurance-credit-immobilier.html\" class=\"bouton gold inverse\">R\u00e9aliser un diagnostic gratuitement<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Une solution sur-mesure pour plus de s\u00e9r\u00e9nit\u00e9<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour s\u00e9curiser votre conjoint, votre famille, en cas d\u2019al\u00e9as de la vie, vous pouvez choisir une protection sp\u00e9cifique. Une assurance qui aura comme unique objectif de garantir \u00e0 votre foyer la perception d\u2019un revenu ou d\u2019un capital en cas d\u2019al\u00e9as de la vie. D\u00e9finie en fonction de votre situation et de vos objectifs, elle entrera en sc\u00e8ne au moment o\u00f9 vous en avez le plus besoin et vous sera vers\u00e9e directement (contrairement \u00e0 l\u2019assurance emprunteur vers\u00e9e \u00e0 la banque). Par ailleurs, s\u2019il s\u2019agit d\u2019un capital en cas de d\u00e9c\u00e8s, il n\u2019est pas soumis \u00e0 l\u2019imp\u00f4t et est hors succession, un atout exceptionnel pour prot\u00e9ger votre conjoint si vous n\u2019\u00eates pas mari\u00e9 et n\u2019avez pas pris de mesures sp\u00e9cifiques. Autant de sp\u00e9cificit\u00e9s qui permettront \u00e0 votre famille de passer une p\u00e9riode plus agit\u00e9e, de maintenir son niveau de vie et de se concentrer sur l\u2019essentiel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">*https:\/\/www.topsante.com\/medecine\/mal-de-dos\/7-francais-sur-10-souffrent-du-dos-616609<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous entamez la recherche de votre bien immobilier et vous souhaitez obtenir la meilleure offre pour votre cr\u00e9dit et votre assurance emprunteur. Il est important d\u2019anticiper \u00e9galement [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6308","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>Devenir propri\u00e9taire et prot\u00e9ger sa famille - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Vous entamez la recherche de votre bien immobilier ? 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