{"id":6082,"date":"2021-07-17T10:18:20","date_gmt":"2021-07-17T08:18:20","guid":{"rendered":"https:\/\/natureetresidencevillage.com\/?p=6082"},"modified":"2022-08-30T10:34:38","modified_gmt":"2022-08-30T08:34:38","slug":"la-loi-hamon-nous-permet-de-changer-dassurance-emprunteur-a-tout-moment","status":"publish","type":"post","link":"https:\/\/natureetresidencevillage.com\/en\/blog\/credit\/la-loi-hamon-nous-permet-de-changer-dassurance-emprunteur-a-tout-moment\/","title":{"rendered":"La loi Hamon nous permet de changer d\u2019assurance emprunteur \u00e0 tout moment"},"content":{"rendered":"<p>L\u2019emprunteur qui signe le <strong>contract<\/strong> <strong>d\u2019assurance<\/strong> propos\u00e9 par sa banque a la possibilit\u00e9, <strong>durant la premi\u00e8re ann\u00e9e dudit contrat<\/strong>, de<strong> n\u00e9gocier aupr\u00e8s d\u2019une autre assureur sans attendre la fameuse date anniversaire<\/strong>. Mais le <strong>l\u00e9gislateur<\/strong> as <strong>l\u2019\u00e9tablissement<\/strong> <strong>pr\u00eateur<\/strong> posent des <strong>terms<\/strong> \u00e0 ce <strong>droit<\/strong>.<\/p>\n<p><!--more--><\/p>\n<h2>Pour faire davantage jouer la concurrence<\/h2>\n<p><strong>L\u2019assurance couvre le cr\u00e9dit immobilier<\/strong> de sorte que <strong>the borrower<\/strong> will be able to <strong>conserver<\/strong> <strong>his<\/strong> <strong>possession<\/strong> si jamais il se retrouve en <strong>situation<\/strong> <strong>d\u2019insolvabilit\u00e9<\/strong> due notamment \u00e0 une <strong>incapacit\u00e9<\/strong> ou une <strong>invalidit\u00e9<\/strong>. La <strong>souscription<\/strong> of a <strong>assurance<\/strong> est aussi un <strong>bouclier<\/strong> of <strong>protection<\/strong> au profit des <strong>h\u00e9ritiers<\/strong> dans la mesure o\u00f9 les <strong>dettes<\/strong> ne leur sont <strong>pas transmissibles en cas de d\u00e9c\u00e8s de l\u2019emprunteur<\/strong>.<\/p>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/06\/loi-hamon-changement-assurance-emprunteur.jpg\" alt=\"changer d'assurance emprunteur avec la loi hamon\" \/><\/p>\n<p><strong>L\u2019emprunteur<\/strong> is <strong>principe<\/strong> <strong>libre<\/strong> of <strong>choisir<\/strong> <strong>the insurer<\/strong> qui lui convient. Mais en pratique, il est fr\u00e9quent qu\u2019il opte pour le <strong>contract<\/strong> <strong>d\u2019assurance<\/strong> of the <strong>bank<\/strong> qui lui octroie un <strong>credit<\/strong>. Dans ce cas, <strong><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000035731298\/2018-04-01\/\" target=\"_blank\" rel=\"noopener\">la loi Hamon<\/a><\/strong> lui permet, durant la <strong>premi\u00e8re<\/strong> <strong>ann\u00e9e<\/strong> of <strong>contract<\/strong>, \u00e0 <strong>to change<\/strong> <strong>d\u2019assureur<\/strong> quand il veut. Il doit cependant respecter un <strong>pr\u00e9avis<\/strong> of <strong>quinze<\/strong> <strong>jours<\/strong>. En outre, le <strong>nouvel<\/strong> <strong>assureur<\/strong> doit pr\u00e9senter des <strong>garanties<\/strong> <strong>satisfaisantes<\/strong> aux yeux de la <strong>bank<\/strong> quant \u00e0 sa capacit\u00e9 \u00e0 <strong>cover<\/strong> the <strong>refund<\/strong> en cas <strong>d\u2019insolvabilit\u00e9<\/strong> of <strong>d\u00e9tenteur<\/strong> of <strong>credit<\/strong>.<\/p>\n<p>If <strong>the borrower<\/strong> souhaite <strong>to change<\/strong> <strong>d\u2019assurance apr\u00e8s\u00a0 la premi\u00e8re ann\u00e9e du contrat<\/strong>, il doit le faire <strong>two<\/strong> <strong>mois<\/strong> <strong>avant la date anniversaire du contrat<\/strong>. L\u00e0 aussi, les <strong>exigences<\/strong> of the <strong>bank<\/strong> in terms of <strong>coverage<\/strong> doivent \u00eatre <strong>respected<\/strong> by the <strong>nouvel assureur<\/strong>.<\/p>\n<p>The <strong>l\u00e9gislateur<\/strong> voit dans cette petite \u00ab\u00a0<strong>r\u00e9volution\u00a0<\/strong>\u00bb un moyen de faire <strong>pressure<\/strong> on the <strong>assureurs<\/strong>, de faire <strong>baisser<\/strong> the <strong>price<\/strong>. Il estime notamment que ce <strong>change<\/strong> permettrait aux <strong>borrowers<\/strong> de r\u00e9aliser entre <strong>6\u00a0500 et 15\u00a0000\u00a0\u20ac d\u2019\u00e9conomies sur la dur\u00e9e de leur contrat<\/strong>.<\/p>\n<p>The <strong>commission<\/strong> <strong>sp\u00e9ciale<\/strong> of <strong>l\u2019Assembl\u00e9e<\/strong> <strong>nationale<\/strong> charg\u00e9e du sujet estime en effet que les<strong> co\u00fbts des assurances emprunteur<\/strong> \u2013 de l\u2019ordre de <strong>6 milliards d\u2019euros par an<\/strong> for<strong> 6 millions de Fran\u00e7ais<\/strong> ayant souscrit un <strong>credit<\/strong> <strong>real estate<\/strong> \u2013 sont <strong>too much<\/strong> <strong>important<\/strong>.<\/p>\n<h2>Une loi pass\u00e9e malgr\u00e9 le lobbying des banques et des assurances<\/h2>\n<p>The <strong>banks<\/strong> voyaient dans cette nouvelle <strong>disposition<\/strong> <strong>l\u00e9gislative<\/strong> a <strong>obstacle<\/strong> qui les emp\u00eacherait de <strong>compenser<\/strong> the <strong>drop<\/strong> of their <strong>marges<\/strong> on the <strong>credits<\/strong> by the <strong>biais<\/strong> <strong>d\u2019autres<\/strong> <strong>produits<\/strong> <strong>financiers<\/strong>, en l\u2019occurrence les <strong>assurances<\/strong> <strong>borrower<\/strong>.<\/p>\n<p>En avan\u00e7ant cet argument, les <strong>establishments<\/strong> <strong>pr\u00eateurs<\/strong> avaient pleinement <strong>l\u2019oreille<\/strong> of the <strong>s\u00e9nateurs<\/strong>, majoritairement de droite, mais\u00a0 aussi de <strong>l\u2019ex\u00e9cutif<\/strong> \u2013 la <strong>possibility<\/strong> of <strong>to change<\/strong> <strong>d\u2019assureur<\/strong> \u00e0 tout moment est une id\u00e9e port\u00e9e notamment par la gauche. <strong>Agn\u00e8s Pannier-Runacher<\/strong>, <strong>secr\u00e9taire<\/strong> <strong>d\u2019Etat<\/strong> aupr\u00e8s du <strong>ministre<\/strong> of <strong>the economy<\/strong> and <strong>finance<\/strong>, mettait notamment en garde contre le <strong>risk<\/strong> of <strong>rise<\/strong> of the <strong>costs<\/strong> by the <strong>banks<\/strong>, pointant la \u00ab\u00a0<strong>perversit\u00e9\u00a0<\/strong>\u00bb d\u2019un <strong>m\u00e9canisme<\/strong> qui aurait des <strong>effets<\/strong> <strong>damage<\/strong> sur \u00ab\u00a0les plus <strong>vuln\u00e9rables\u00a0<\/strong>\".<\/p>\n<p>Au final, le <strong>Parlement<\/strong> a trouv\u00e9 un <strong>terrain<\/strong> <strong>d\u2019entente\u00a0<\/strong>: il est possible de <strong>to change<\/strong> <strong>d\u2019assureur<\/strong> <strong>has<\/strong> <strong>tout moment <\/strong>the <strong>premi\u00e8re<\/strong> <strong>ann\u00e9e<\/strong> of <strong>contract<\/strong>. Mais pour <strong>l\u2019ann\u00e9e<\/strong> <strong>suivante<\/strong>, il faudra <strong>attendre<\/strong> <strong>two<\/strong> <strong>mois<\/strong> <strong>before<\/strong> the <strong>date anniversaire<\/strong>.<\/p>","protected":false},"excerpt":{"rendered":"<p>L\u2019emprunteur qui signe le contrat d\u2019assurance propos\u00e9 par sa banque a la possibilit\u00e9, durant la premi\u00e8re ann\u00e9e dudit contrat, de n\u00e9gocier aupr\u00e8s d\u2019une autre assureur sans attendre la fameuse date anniversaire. Mais le l\u00e9gislateur comme l\u2019\u00e9tablissement pr\u00eateur posent des conditions \u00e0 ce droit.<\/p>","protected":false},"author":6,"featured_media":6597,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[263],"class_list":["post-6082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-loi-hamon"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tout savoir sur la loi Hamon et le changement d&#039;assurance emprunteur<\/title>\n<meta name=\"description\" content=\"Tout ce qu&#039;il faut savoir sur les facilit\u00e9s de changements d&#039;assurance emprunteur gr\u00e2ce \u00e0 l&#039;adoption de la loi Hamon .\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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