{"id":2434,"date":"2022-04-07T23:15:27","date_gmt":"2022-04-07T23:15:27","guid":{"rendered":"https:\/\/rouzade.com\/?p=2434"},"modified":"2024-05-06T11:33:41","modified_gmt":"2024-05-06T09:33:41","slug":"chto-takoe-standartnyj-informacionnyj-list-fis-fiche-d-information-standardisee","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/chto-takoe-standartnyj-informacionnyj-list-fis-fiche-d-information-standardisee\/","title":{"rendered":"Qu&#039;est-ce que la fiche d&#039;information standardis\u00e9e FIS"},"content":{"rendered":"<p>L&#039;assureur est tenu par la loi de fournir une fiche d&#039;information standardis\u00e9e \u00e0 l&#039;emprunteur. Ce dernier recueille des informations et caract\u00e9ristiques de base li\u00e9es \u00e0 la protection de son cr\u00e9dit. Mais \u00e0 quoi \u00e7a sert ? Que contient-il ? Est-ce vraiment n\u00e9cessaire ?<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contenu<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-standartnyj-informacionnyj-list-fis-fiche-d-information-standardisee\/#%d0%a7%d1%82%d0%be_%d1%82%d0%b0%d0%ba%d0%be%d0%b5_%d1%81%d1%82%d0%b0%d0%bd%d0%b4%d0%b0%d1%80%d1%82%d0%bd%d1%8b%d0%b9_%d0%b8%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d0%be%d0%bd%d0%bd%d1%8b%d0%b9_%d0%bb%d0%b8%d1%81%d1%82_fis\" >Qu&#039;est-ce que la fiche d&#039;information standard FIS\u00a0?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-standartnyj-informacionnyj-list-fis-fiche-d-information-standardisee\/#%d0%9a%d0%b0%d0%ba%d0%b0%d1%8f_%d0%b8%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d1%8f_%d0%b4%d0%be%d0%bb%d0%b6%d0%bd%d0%b0_%d0%b1%d1%8b%d1%82%d1%8c_%d0%bf%d1%80%d0%b5%d0%b4%d1%81%d1%82%d0%b0%d0%b2%d0%bb%d0%b5%d0%bd%d0%b0_%e2%80%8b%e2%80%8b%d0%b2_%d1%81%d1%82%d0%b0%d0%bd%d0%b4%d0%b0%d1%80%d1%82%d0%b8%d0%b7%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d0%be%d0%bc_%d0%b8%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d0%be%d0%bd%d0%bd%d0%be%d0%bc_%d0%bb%d0%b8%d1%81%d1%82%d0%b5_fis\" >Quelles informations doivent \u00eatre pr\u00e9sent\u00e9es sur la fiche d\u2019information standardis\u00e9e FIS ?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-standartnyj-informacionnyj-list-fis-fiche-d-information-standardisee\/#%d0%92%d1%81%d0%b5_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8_%d0%b8_%d1%83%d1%81%d0%bb%d0%be%d0%b2%d0%b8%d1%8f_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d1%8f\" >Toutes les garanties et conditions d&#039;assurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-standartnyj-informacionnyj-list-fis-fiche-d-information-standardisee\/#%d0%a1%d1%82%d0%be%d0%b8%d0%bc%d0%be%d1%81%d1%82%d1%8c_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%ba%d0%b8\" >Cout d&#039;assurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-standartnyj-informacionnyj-list-fis-fiche-d-information-standardisee\/#%d0%a1%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d1%8f_%d0%ba%d0%b2%d0%be%d1%82%d0%b0\" >Quota d&#039;assurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-standartnyj-informacionnyj-list-fis-fiche-d-information-standardisee\/#%d0%9a%d1%80%d0%b8%d1%82%d0%b5%d1%80%d0%b8%d0%b8_%d1%83%d1%81%d1%82%d0%b0%d0%bd%d0%be%d0%b2%d0%bb%d0%b5%d0%bd%d0%bd%d1%8b%d0%b5_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d1%89%d0%b8%d0%ba%d0%be%d0%bc\" >Crit\u00e8res \u00e9tablis par l&#039;assureur<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/fr\/chto-takoe-standartnyj-informacionnyj-list-fis-fiche-d-information-standardisee\/#%d0%9f%d0%be%d1%87%d0%b5%d0%bc%d1%83_%d1%81%d1%82%d0%b0%d0%bd%d0%b4%d0%b0%d1%80%d1%82%d0%bd%d1%8b%d0%b9_%d0%b8%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d0%be%d0%bd%d0%bd%d1%8b%d0%b9_%d0%bb%d0%b8%d1%81%d1%82_%d0%b2%d0%b0%d0%b6%d0%b5%d0%bd_%d0%b4%d0%bb%d1%8f_%d0%b7%d0%b0%d0%b5%d0%bc%d1%89%d0%b8%d0%ba%d0%b0\" >Pourquoi une fiche d\u2019information standard est-elle importante pour un emprunteur ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d1%82%d0%b0%d0%ba%d0%be%d0%b5_%d1%81%d1%82%d0%b0%d0%bd%d0%b4%d0%b0%d1%80%d1%82%d0%bd%d1%8b%d0%b9_%d0%b8%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d0%be%d0%bd%d0%bd%d1%8b%d0%b9_%d0%bb%d0%b8%d1%81%d1%82_fis\"><\/span>Qu&#039;est-ce que la fiche d&#039;information standard FIS\u00a0?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bien que souscrire une assurance ne soit pas obligatoire, de nombreuses banques n\u2019accepteront pas de financer un pr\u00eat sans assurance, notamment pour l\u2019achat d\u2019un bien immobilier. En cons\u00e9quence, la plupart des emprunteurs peuvent demander une fiche d\u2019information standardis\u00e9e. Ce document contient toutes les garanties et conditions pour obtenir un cr\u00e9dit immobilier par exemple.<\/p>\n<p>Depuis octobre 2015, les banques sont tenues de fournir une fiche d&#039;information standard afin d&#039;assurer une totale transparence de l&#039;assurance de pr\u00eat et de s&#039;assurer que l&#039;assur\u00e9 conna\u00eet les garanties sur son pr\u00eat. Apr\u00e8s consultation, l&#039;emprunteur peut comparer diff\u00e9rentes offres d&#039;assurance.<\/p>\n<p>Astuce : Il est au contraire fortement recommand\u00e9 d&#039;aller consulter les offres des compagnies d&#039;assurance concurrentes car vous pouvez \u00e9conomiser beaucoup en faisant de la d\u00e9l\u00e9gation d&#039;assurance.<\/p>\n<p>Inscrivez-vous pour une consultation avec moi, je vous aiderai \u00e0 \u00e9conomiser sur l&#039;assurance de votre cr\u00e9dit.<\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-zapisatsya-na-konsultaciyu\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/calendly.com\/olga-rouzade\/15-minut-k-business-mechte?utm_source=site&amp;utm_medium=MaxButtons&amp;utm_campaign=rdv-calendly\"><span class='mb-text'>Inscrivez-vous pour une consultation<\/span><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba%d0%b0%d1%8f_%d0%b8%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d1%8f_%d0%b4%d0%be%d0%bb%d0%b6%d0%bd%d0%b0_%d0%b1%d1%8b%d1%82%d1%8c_%d0%bf%d1%80%d0%b5%d0%b4%d1%81%d1%82%d0%b0%d0%b2%d0%bb%d0%b5%d0%bd%d0%b0_%e2%80%8b%e2%80%8b%d0%b2_%d1%81%d1%82%d0%b0%d0%bd%d0%b4%d0%b0%d1%80%d1%82%d0%b8%d0%b7%d0%b8%d1%80%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d0%be%d0%bc_%d0%b8%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d0%be%d0%bd%d0%bd%d0%be%d0%bc_%d0%bb%d0%b8%d1%81%d1%82%d0%b5_fis\"><\/span>Quelles informations doivent \u00eatre pr\u00e9sent\u00e9es sur la fiche d\u2019information standardis\u00e9e FIS ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tous les emprunteurs doivent lire leur fiche d&#039;information standardis\u00e9e, car elle regroupe toutes les garanties et conditions de l&#039;assurance.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2442\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/3.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/3.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/3-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/3-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/3-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/3-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>Les informations requises sur la fiche d\u2019information standardis\u00e9e comprennent\u00a0:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%92%d1%81%d0%b5_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8_%d0%b8_%d1%83%d1%81%d0%bb%d0%be%d0%b2%d0%b8%d1%8f_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d1%8f\"><\/span>Toutes les garanties et conditions d&#039;assurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Dans cette fiche, l&#039;assureur doit transmettre des informations concernant les garanties pr\u00e9sent\u00e9es dans le contrat d&#039;assurance. Autrement dit, les garanties qu&#039;il convient de mentionner sont l&#039;assurance d\u00e9c\u00e8s (DC), l&#039;invalidit\u00e9 (IPT et IPP), la perte d&#039;emploi, la perte d&#039;autonomie (PTIA) ou l&#039;assurance invalidit\u00e9 (ITT).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a1%d1%82%d0%be%d0%b8%d0%bc%d0%be%d1%81%d1%82%d1%8c_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%ba%d0%b8\"><\/span>Cout d&#039;assurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Autre mention obligatoire, le co\u00fbt de l&#039;assurance doit \u00eatre soumis au FIS. Pour avoir une id\u00e9e pr\u00e9cise du co\u00fbt de votre protection, l&#039;assureur doit fournir les trois montants suivants : le co\u00fbt total de l&#039;assurance, le montant de la prime mensuelle et le taux annuel effectif d&#039;assurance (TAEA). .<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a1%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d1%8f_%d0%ba%d0%b2%d0%be%d1%82%d0%b0\"><\/span>Quota d&#039;assurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Le quota d&#039;assurance repr\u00e9sente la r\u00e9partition de la couverture sur le pr\u00eat. Les cas les plus courants sont un quota de 100% s&#039;il n&#039;y a qu&#039;un seul emprunteur, ou 50% pour chaque co-emprunteur, ou encore 100% pour chaque copropri\u00e9taire du pr\u00eat.<\/p>\n<p>A savoir : le quota doit \u00eatre \u00e9gal \u00e0 100%, que la r\u00e9partition soit in\u00e9gale ou non.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%9a%d1%80%d0%b8%d1%82%d0%b5%d1%80%d0%b8%d0%b8_%d1%83%d1%81%d1%82%d0%b0%d0%bd%d0%be%d0%b2%d0%bb%d0%b5%d0%bd%d0%bd%d1%8b%d0%b5_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d1%89%d0%b8%d0%ba%d0%be%d0%bc\"><\/span>Crit\u00e8res \u00e9tablis par l&#039;assureur<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Parmi 18 crit\u00e8res d&#039;exigence possibles, la banque est tenue de s\u00e9lectionner et de publier 11 crit\u00e8res s\u00e9lectionn\u00e9s.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2441\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/2.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/2.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/2-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/2-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/2-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/04\/2-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>Ces diff\u00e9rents crit\u00e8res permettent de juger de la qualit\u00e9 de la protection de l&#039;assur\u00e9, mais sont, avant tout, n\u00e9cessaires si l&#039;on souhaite respecter l&#039;\u00e9quivalence des garanties de changement d&#039;assurance.<\/p>\n<p>Les 5 premiers crit\u00e8res sont des garanties diverses, c&#039;est-\u00e0-dire assurance d\u00e9c\u00e8s, PTIA, invalidit\u00e9, invalidit\u00e9 et sports r\u00e9cr\u00e9atifs. Les crit\u00e8res 6 et 7 concernent le contrat lui-m\u00eame. Tout d\u00e9pend du type de contrat conclu par le preneur d&#039;assurance ; il peut \u00eatre forfaitaire ou pay\u00e9.<\/p>\n<p>Le huiti\u00e8me correspond au d\u00e9lai de gr\u00e2ce. Les crit\u00e8res 9 et 10 repr\u00e9sentent l&#039;invalidit\u00e9 ou l&#039;invalidit\u00e9 li\u00e9e \u00e0 l&#039;emploi au moment o\u00f9 la demande survient. Le onzi\u00e8me crit\u00e8re concerne la couverture de l&#039;assur\u00e9 en cas d&#039;invalidit\u00e9.<\/p>\n<p>Quant aux quatre derniers crit\u00e8res, ils correspondent \u00e0 la couverture de pathologies non observ\u00e9es (psychologiques et spino-vert\u00e9brales).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%be%d1%87%d0%b5%d0%bc%d1%83_%d1%81%d1%82%d0%b0%d0%bd%d0%b4%d0%b0%d1%80%d1%82%d0%bd%d1%8b%d0%b9_%d0%b8%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d0%be%d0%bd%d0%bd%d1%8b%d0%b9_%d0%bb%d0%b8%d1%81%d1%82_%d0%b2%d0%b0%d0%b6%d0%b5%d0%bd_%d0%b4%d0%bb%d1%8f_%d0%b7%d0%b0%d0%b5%d0%bc%d1%89%d0%b8%d0%ba%d0%b0\"><\/span>Pourquoi une fiche d\u2019information standard est-elle importante pour un emprunteur ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Si la fiche de renseignements faisait l&#039;objet de plusieurs mesures, comme par exemple une obligation de la fournir \u00e0 chaque assur\u00e9, cela devrait permettre une offre d&#039;assurance plus claire et en faveur de l&#039;emprunteur. En effet, une fois en possession, l&#039;assur\u00e9 peut juger de sa protection en toute transparence, mais surtout pouvoir comparer toutes les assurances concurrentes.<\/p>\n<p>De plus, changer d\u2019assurance implique de conserver le m\u00eame niveau de garantie pour conserver l\u2019\u00e9quivalence. Ainsi, une fois cette condition remplie, la banque ne peut pas contester le changement de couverture d&#039;assurance du preneur d&#039;assurance.<\/p>\n<p>L&#039;une des principales raisons pour lesquelles les emprunteurs souscrivent une assurance-cr\u00e9dit ailleurs est pour pouvoir <a href=\"https:\/\/rouzade.com\/fr\/strahovanie-kredita-arc\/\">\u00e9conomiser beaucoup<\/a>. En effet, lorsque l&#039;assur\u00e9 demande une d\u00e9l\u00e9gation d&#039;assurance, il peut optimiser ses co\u00fbts d&#039;assurance. Il peut en effet b\u00e9n\u00e9ficier d&#039;une protection identique ou sup\u00e9rieure \u00e0 moindre co\u00fbt en signant avec des concurrents.<\/p>\n<p>Inscrivez-vous pour une consultation avec moi, je vous aiderai \u00e0 \u00e9conomiser sur l&#039;assurance de votre cr\u00e9dit<\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-zapisatsya-na-konsultaciyu\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/calendly.com\/olga-rouzade\/15-minut-k-business-mechte?utm_source=site&amp;utm_medium=MaxButtons&amp;utm_campaign=rdv-calendly\"><span class='mb-text'>Inscrivez-vous pour une consultation<\/span><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Apprenez-en davantage sur la fiche d\u2019information type FIS, ses crit\u00e8res et son importance pour 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