Assurance emprunteur : on change à moins chère

Assurance emprunteur on change à moins chère

La position des députés contre la majorité surprend agréablement !

Une députée Patricia Lemoine porte la nouvelle loi ! Donner plus de liberté aux emprunteurs qui ont choisit un jour une assurance sans penser qu’ils devront la garder pendant 15 ans de manière immuable . Voilà en définitive le message que doivent retenir les emprunteurs de prêts immobiliers .

Nous savons bien que les prêts immobiliers présentent un risque important : rembourser coûte que coûte ce prêt jusqu’au dernier centime . D’ailleurs comme il est bon de se le rappeler : un prêt vous engage et doit être rembourser. Bien vérifier ses capacités d’épargne et de remboursement avant de s’engager. A l’image d’une traversée du désert. L’assuré serait bien aise de savoir que ses mensualités sont remboursées par l’assurance pendant son invalidité ou incapacité suivant les événements .

Le prix est il gage d’une bonne assurance

Il semble de plus en plus improbable que cet adage fasse long feu ! En effet, depuis que les banques ont instaurer l’assurance groupe voilà quelques dizaines d’années, force est de constater que la concurrence ne s’exerçait pas dans ce domaine.

Les raisons sont multiples, et la toute première qui me vient en tête est la position de monopole de la banque qui fait à la fois signer le crédit immobilier et l’assurance emprunteur.

Une avalanche de ministres à la rescousse

Christine Lagarde donne son nom à la loi Lagarde en 2010. Elle tient à protéger les consommateurs mais également elle veut donner la possibilité aux emprunteurs « d’apporter  » leur assurance emprunteur. Autrement dit de pouvoir discuter avec la banque la proposition d’une compagnie d assurance à la condition que la banque accepte « la délégation d assurance ».

Les banques ne l’entendent pas aussi sportivement. Il faudra attendre 2014, que Benoit Hamon présente le loi Hamon 2014. Donner la faculté à l’emprunteur de revenir dans le délai de 12 mois après la signature de l’offre de prêt et de substituer l’assurance emprunteur en place par une nouvelle assurance.

Les négociations sont plutôt rares. Il faudra attendre que Martial Bourquin présente l’amendement Bourquin . L’objectif permettre à l’emprunteur de substituer l’assurance de la banque contre une assurance concurrente et ce à chaque date anniversaire de l’assurance en place. L’amendement deviendra loi Bourquin en appui de la loi Sapin II 1er janvier 2018, pour dire que la résistance des banques est forte.

Débats juridiques imbroglio entre code des consommateurs puis code de l’assurance et enfin code monétaire et financier. Les lenteurs, les fins de non recevoir sans doute aussi sont elles à l’origine de l’initiative des députés réunis en assemblée générale. toujours est il que la loi (si elle est validée) fera date. Souscrire une assurance emprunteur n’empêche nullement de substituer au contrat groupe proposé une meilleure assurance, c’est à dire une assurance qui disposent de garanties équivalentes, mais de plus qui offre la possibilité de faire des économies assez somptueuses.

Faire jouer la concurrence

Les banques n’ont plus nous semble til d’argument contraire. La mise en place de cette offre d assurance groupe n’est en aucun cas un obstacle de nouveaux contrats d assurance emprunteur de même qualité, nous l’avons dit plus haut.

Fini les débats sans fin, l’assurance emprunteur pourra, à compter du moment ou le prêt immobilier sera débloqué, changer de contrat de » fournisseur  » . L’assurance emprunteur continuera sans perte de garantie ni carence, ni franchise nouvelle et de plus avec un meilleur contrat et moins cher pour qui le souhaitera.

Le coût de l assurance représente un budget important. En effet, l’assurance coûte toujours le même prix depuis qu’elle existe. Elle était dérisoire si nous comparons avec le taux d’intérêt des crédits immobiliers d’autrefois. En 1984 les taux d’intérêts des prêts conventionnés culminaient à 15.40% alors que la cotisation d’assurance coûte en moyenne 0.42%. En revanche aujourd’hui les taux d’intérêt évoluent à 1.35% sur 20 ans pour une cotisation d’assurance inchangée.

Profiter de son capital santé

Les jeunes emprunteurs, et, en bonne santé, et ,cerise sur le gâteau : non fumeurs sont recherchés par les assureurs. Les temps ont changé souscrire un emprunt immobilier sans chercher à faire des économies sur l’assurance emprunteur serait une erreur de gestion . Car sur le coût total du crédit l’assurance représente plus du tiers des frais. Aussi économiser entre 8 à 10.000€ n’est pas rare du tout.

Ce qui a changé, la philosophie de l’assurance groupe ne modifie pas son tarif en fonction des profils des emprunteurs sauf les pathologies conséquentes. Vous voyez parfaitement que les jeunes emprunteurs ont vocation à moins solliciter le recours à l’assurance qu’une personne plus âgée. c’est dans l’ordre des choses.

Aujourd’hui le profil individuel de l’assureur permet à l’assureur de fixer le tarif en fonction du risque encouru.

Cela renvoie à une situation nouvelle au sein de l’assurance groupe, comment ne pas imaginer que seuls les emprunteurs avec des comorbidités ou âgés resteront fidèles à l’assurance de la banque ?

Rappel des conditions exigées par la loi

  • Tout d’abord, la liberté de choisir quasiment à tout moment son assureur. Assurance groupe ou assurance individuelle selon les avantages personnels.
  • Payer pour des risques existants suivant les profils
  • se faire aider par un courtier vous assure de gagner un temps précieux pour sélectionner la meilleure assurance , sans oublier de vérifier les nouvelles garanties qui doivent être au moins équivalentes au contrat d’origine
  • Se souvenir que le banque ne peut en aucun cas prélever des frais pour cette substitution, encore moins modifier le taux du prêt sous prêt d’avoir fait un package,
  • à l’instant vous disposez de la loi Lagarde qui vous permet de présenter une délégation d’assurance, soit la loi Hamon qui vous offre la possibilité de changer d’assureur pendant les 12 mois qui suivent la signature de l offre de crédit immobilier, soit attendre la date anniversaire de l offre de prêt pour adresser deux mois au préalable une lettre recommandée avec accusé de réception.
  • Enfin, lorsque la loi sera promulguée vous disposerez de tous les instants pour remettre en cause votre assurance emprunteur

 

 

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