{"id":2603,"date":"2022-05-10T10:21:06","date_gmt":"2022-05-10T10:21:06","guid":{"rendered":"https:\/\/rouzade.com\/?p=2603"},"modified":"2024-05-06T11:30:58","modified_gmt":"2024-05-06T09:30:58","slug":"reforma-strahovanija-kreditov-2022","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/reforma-strahovanija-kreditov-2022\/","title":{"rendered":"R\u00e9forme de l&#039;assurance-cr\u00e9dit 2022"},"content":{"rendered":"<p>Dans un avenir proche, les emprunteurs pourront cesser d&#039;assurer leurs pr\u00eats \u00e0 tout moment et, dans certains cas, ils n&#039;auront plus \u00e0 remplir de questionnaires sur les questions de sant\u00e9.<\/p>\n<p>Contre toute attente, d\u00e9put\u00e9s et s\u00e9nateurs ont trouv\u00e9 un langage commun en mati\u00e8re d&#039;assurance des emprunteurs. Les parlementaires ont sign\u00e9 le texte de la nouvelle loi le 3 f\u00e9vrier 2022, puis l&#039;ont adopt\u00e9 au S\u00e9nat le 17 f\u00e9vrier.<\/p>\n<p>Il est aujourd&#039;hui possible de r\u00e9silier l&#039;assurance emprunteur :<\/p>\n<ul>\n<li>\u00e0 tout moment dans les 12 mois suivant la signature de l&#039;offre de pr\u00eat (loi Hamon)<\/li>\n<li>pour chaque p\u00e9riode de remboursement annuelle en deux mois.<\/li>\n<\/ul>\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\/reforma-strahovanija-kreditov-2022\/#%d0%97%d0%b0%d0%ba%d0%be%d0%bd_%d0%bd%d0%b0_%d0%97%d0%b0%d0%b1%d0%b2%d0%b5%d0%bd%d0%b8%d0%b5_%d1%81%d0%be%d0%ba%d1%80%d0%b0%d1%89%d0%b5%d0%bd%d0%be_%d0%b4%d0%be_5_%d0%bb%d0%b5%d1%82\" >Loi sur l&#039;oubli r\u00e9duite \u00e0 5 ans<\/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\/reforma-strahovanija-kreditov-2022\/#%d0%a1%d0%be%d0%b2%d0%bc%d0%b5%d1%81%d1%82%d0%bd%d0%be%d0%b5_%d0%b8%d1%81%d0%bf%d0%be%d0%bb%d1%8c%d0%b7%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2_%d0%ba%d0%be%d1%82%d0%be%d1%80%d1%8b%d0%bc_%d1%83%d0%b3%d1%80%d0%be%d0%b6%d0%b0%d0%b5%d1%82_%d0%be%d0%bf%d0%b0%d1%81%d0%bd%d0%be%d1%81%d1%82%d1%8c\" >Partager les risques \u00e0 risque<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/reforma-strahovanija-kreditov-2022\/#%d0%9e%d1%82%d1%87%d0%b5%d1%82_%d0%b2_%d1%82%d0%b5%d1%87%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%b2%d1%83%d1%85_%d0%bb%d0%b5%d1%82\" >Rapport dans les deux ans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/reforma-strahovanija-kreditov-2022\/#%d0%94%d0%b5%d0%bf%d1%83%d1%82%d0%b0%d1%82%d1%8b_%d0%be%d0%b1%d0%bb%d0%b5%d0%b3%d1%87%d0%b0%d1%8e%d1%82_%d1%80%d0%b0%d1%81%d1%82%d0%be%d1%80%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%be%d0%b3%d0%be%d0%b2%d0%be%d1%80%d0%be%d0%b2_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d1%8f_%d0%b7%d0%b0%d0%b5%d0%bc%d1%89%d0%b8%d0%ba%d0%be%d0%b2\" >Les d\u00e9put\u00e9s facilitent la r\u00e9siliation des contrats d&#039;assurance pour les emprunteurs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/reforma-strahovanija-kreditov-2022\/#%d0%a3%d0%bf%d1%80%d0%be%d1%89%d0%b5%d0%bd%d0%b8%d0%b5_%d0%bf%d1%80%d0%be%d1%86%d0%b5%d0%b4%d1%83%d1%80\" >Simplification des proc\u00e9dures<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%97%d0%b0%d0%ba%d0%be%d0%bd_%d0%bd%d0%b0_%d0%97%d0%b0%d0%b1%d0%b2%d0%b5%d0%bd%d0%b8%d0%b5_%d1%81%d0%be%d0%ba%d1%80%d0%b0%d1%89%d0%b5%d0%bd%d0%be_%d0%b4%d0%be_5_%d0%bb%d0%b5%d1%82\"><\/span>Loi sur l&#039;oubli r\u00e9duite \u00e0 5 ans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le 25 novembre 2021, l&#039;Assembl\u00e9e nationale a adopt\u00e9 en premi\u00e8re lecture la PPL, qui pr\u00e9voit \u00e9galement que les titulaires se r\u00e9uniront pour conclure un nouvel accord Aeras (Assurance et Emprunts \u00e0 Haut Risque), qui permettra aux anciens patients de contracter des emprunts. sans aucune majoration et\/ou exclusion des garanties d\u2019assurance de pr\u00eat.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2608\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3.png\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3.png 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3-300x251.png 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3-768x644.png 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3-696x583.png 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3-501x420.png 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>Les s\u00e9nateurs ont ajout\u00e9 la suppression des questionnaires m\u00e9dicaux pour les particuliers empruntant moins de 200 000 euros (montant fix\u00e9 dans le SMR). Les patients atteints d\u2019un cancer ou d\u2019une h\u00e9patite C n\u2019ont plus besoin d\u2019indiquer leur pathologie cinq ans apr\u00e8s la fin du traitement, contre plusieurs dizaines d\u2019ann\u00e9es auparavant.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a1%d0%be%d0%b2%d0%bc%d0%b5%d1%81%d1%82%d0%bd%d0%be%d0%b5_%d0%b8%d1%81%d0%bf%d0%be%d0%bb%d1%8c%d0%b7%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2_%d0%ba%d0%be%d1%82%d0%be%d1%80%d1%8b%d0%bc_%d1%83%d0%b3%d1%80%d0%be%d0%b6%d0%b0%d0%b5%d1%82_%d0%be%d0%bf%d0%b0%d1%81%d0%bd%d0%be%d1%81%d1%82%d1%8c\"><\/span>Partager les risques \u00e0 risque<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00c0 compter du 1er juin 2022 pour les pr\u00eats re\u00e7us apr\u00e8s cette date et \u00e0 compter du 1er septembre 2022 pour les pr\u00eats ant\u00e9rieurs. Ainsi, tous les emprunteurs auront la possibilit\u00e9 de r\u00e9silier \u00e9ventuellement l&#039;assurance collective de leur banque (dont la prime est quasiment la m\u00eame quel que soit l&#039;\u00e2ge et les ant\u00e9c\u00e9dents m\u00e9dicaux de l&#039;assur\u00e9) au profit d&#039;une assurance individuelle (dont la prime est fix\u00e9e en fonction du profil de risque de l&#039;assur\u00e9). assur\u00e9).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9e%d1%82%d1%87%d0%b5%d1%82_%d0%b2_%d1%82%d0%b5%d1%87%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%b2%d1%83%d1%85_%d0%bb%d0%b5%d1%82\"><\/span>Rapport dans les deux ans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les d\u00e9put\u00e9s, pour leur part, craignent que la suppression du questionnaire de sant\u00e9 n\u2019augmente \u00e9galement le niveau des tarifs. Le texte du CMP a donc r\u00e9duit la mesure aux pr\u00eats inf\u00e9rieurs \u00e0 200 000 euros et arrivant \u00e0 \u00e9ch\u00e9ance avant le 60e anniversaire de l&#039;emprunteur. Tout cela afin de rassurer les deux parties, il est \u00e9galement pr\u00e9vu que le Comit\u00e9 consultatif du secteur financier (CCSF) et l&#039;Autorit\u00e9 de r\u00e9gulation prudentielle et de r\u00e8glement des diff\u00e9rends (ACPR) remettent un rapport au Parlement au plus tard deux ans apr\u00e8s l&#039;adoption du la loi, dans laquelle ils seront mesur\u00e9s. Les cons\u00e9quences pour les assureurs et pour les assur\u00e9s de l&#039;introduction du RIA et de la suppression du questionnaire de sant\u00e9 ont \u00e9t\u00e9 mesur\u00e9es.<\/p>\n<p>Outre le \u00ab droit \u00e0 l\u2019oubli \u00bb r\u00e9duit \u00e0 cinq ans pour les anciens malades du cancer et de l\u2019h\u00e9patite C, le texte charge les signataires d\u2019Aeras (banques, assureurs, gouvernements et associations de patients) d\u2019accepter d\u2019\u00e9tendre la mesure \u00e0 d\u2019autres maladies. Enfin, ce texte am\u00e9liore l&#039;information des assur\u00e9s : les assureurs seront tenus de les informer annuellement de la possibilit\u00e9 de r\u00e9silier la couverture des emprunteurs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%94%d0%b5%d0%bf%d1%83%d1%82%d0%b0%d1%82%d1%8b_%d0%be%d0%b1%d0%bb%d0%b5%d0%b3%d1%87%d0%b0%d1%8e%d1%82_%d1%80%d0%b0%d1%81%d1%82%d0%be%d1%80%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%be%d0%b3%d0%be%d0%b2%d0%be%d1%80%d0%be%d0%b2_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d1%8f_%d0%b7%d0%b0%d0%b5%d0%bc%d1%89%d0%b8%d0%ba%d0%be%d0%b2\"><\/span>Les d\u00e9put\u00e9s facilitent la r\u00e9siliation des contrats d&#039;assurance pour les emprunteurs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les d\u00e9put\u00e9s ont confirm\u00e9 la possibilit\u00e9 pour les propri\u00e9taires de modifier \u00e0 tout moment leur contrat d&#039;assurance emprunteur, sans attendre la date de naissance du contrat. Cette mesure est inscrite dans l&#039;article 42 bis du projet de loi d&#039;acc\u00e9l\u00e9ration et de simplification de l&#039;action publique (Asap), actuellement examin\u00e9 par l&#039;Assembl\u00e9e nationale et visant \u00e0 simplifier les proc\u00e9dures pour les pouvoirs publics, les entreprises et les particuliers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a3%d0%bf%d1%80%d0%be%d1%89%d0%b5%d0%bd%d0%b8%d0%b5_%d0%bf%d1%80%d0%be%d1%86%d0%b5%d0%b4%d1%83%d1%80\"><\/span>Simplification des proc\u00e9dures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ainsi, la lib\u00e9ralisation du march\u00e9 de l&#039;assurance emprunteur, majoritairement domin\u00e9 par les banques (march\u00e9 85%), se poursuit. Ces dix derni\u00e8res ann\u00e9es, plusieurs lois ont \u00e9volu\u00e9 (Lagarde, Hamon, Bourquin) pour simplifier les proc\u00e9dures de changement de contrat d&#039;assurance-cr\u00e9dit. Actuellement, il est possible de r\u00e9silier un contrat d&#039;assurance emprunteur durant la premi\u00e8re ann\u00e9e de souscription puis \u00e0 chaque anniversaire par la suite.<\/p>\n<p>Selon la d\u00e9put\u00e9e Patricia Lemoine, \u00e0 l&#039;origine de l&#039;amendement, ce m\u00e9canisme va accro\u00eetre la concurrence et donc faire baisser les prix. Au cours du contrat, les emprunteurs peuvent esp\u00e9rer des \u00e9conomies comprises entre 6.500 et 15.000 euros en moyenne, a pr\u00e9cis\u00e9 le parlementaire.<\/p>","protected":false},"excerpt":{"rendered":"<p>D\u00e9couvrez les derni\u00e8res informations concernant l\u2019assurance-cr\u00e9dit 2022<\/p>","protected":false},"author":1,"featured_media":2606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[366],"class_list":{"0":"post-2603","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-finance"},"acf":[],"yoast_head":"<title>\u041d\u043e\u0432\u044b\u0439 \u0437\u0430\u043a\u043e\u043d \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 2022 \u043d\u0430 Rouzade.com<\/title>\n<meta name=\"description\" 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