{"id":331,"date":"2019-04-24T16:57:03","date_gmt":"2019-04-24T14:57:03","guid":{"rendered":"https:\/\/blog.immosens.fr\/?p=331"},"modified":"2024-09-10T17:37:56","modified_gmt":"2024-09-10T15:37:56","slug":"je-renegocie-mon-assurance-de-pret","status":"publish","type":"post","link":"https:\/\/www.immosens.fr\/blog\/je-renegocie-mon-assurance-de-pret\/","title":{"rendered":"Je ren\u00e9gocie mon assurance de pr\u00eat"},"content":{"rendered":"

L\u2019assurance emprunteur repr\u00e9sente un co\u00fbt non n\u00e9gligeable dans le financement immobilier. Heureusement, il est d\u00e9sormais possible de changer d\u2019assurance \u00e0 tout moment dans la dur\u00e9e de vie de votre cr\u00e9dit, pour trouver une couverture moins co\u00fbteuse pour des garanties \u00e9quivalentes. Explications.<\/h4>\n
\n

Depuis la loi Lagarde de 2010, vous n\u2019\u00eates plus oblig\u00e9 de souscrire au contrat d\u2019assurance propos\u00e9 par votre banque. Il vous est d\u00e9sormais possible de vous faire accompagner (par un courtier par exemple)\u00a0pour trouver une assurance mieux adapt\u00e9e \u00e0 vos besoins et plus avantageuse financi\u00e8rement.<\/p>\n

Pourquoi changer et ren\u00e9gocier votre assurance de pr\u00eat immobilier ?<\/h4>\n

Les contrats d\u2019assurance propos\u00e9es par les banques sont souvent g\u00e9n\u00e9ralistes et peuvent s’av\u00e9rer plus chers que les contrats propos\u00e9s par les compagnies d\u2019assurances. C\u2019est pourquoi, r\u00e9silier et ren\u00e9gocier votre assurance emprunteur peut vous permettre soit d\u2019\u00eatre mieux couvert pour le m\u00eame prix, soit de trouver une solution moins co\u00fbteuse pour des garanties identiques que celles propos\u00e9es automatiquement par votre banque.<\/p>\n

Comment changer d\u2019assurance de pr\u00eat immobilier ?<\/h4>\n

Gr\u00e2ce \u00e0 la loi Hamon de 2015, il est d\u00e9sormais possible de r\u00e9silier son contrat n\u2019importe quand pendant les 12 mois de sa premi\u00e8re ann\u00e9e de couverture. Au-del\u00e0 de cette premi\u00e8re ann\u00e9e, la loi Bourquin (ou Sapin II) permet de r\u00e9silier chaque ann\u00e9e, \u00e0 la date anniversaire de son contrat (en respectant un pr\u00e9avis de 2 mois avant la date d\u2019\u00e9ch\u00e9ance). Ainsi, vous avez la possibilit\u00e9 de ren\u00e9gocier votre contrat d\u2019assurance de pr\u00eat chaque ann\u00e9e.<\/p>\n

A noter : Pour que votre banque accepte la ren\u00e9gociation de votre contrat, vous devez lui soumettre un nouveau contrat pr\u00e9sentant des garanties au moins \u00e9quivalentes \u00e0 celles que vous aviez auparavant. Dans le cas contraire, celle-ci sera en droit de refuser votre demande.<\/b><\/p>\n

Source :\u00a0Clarisme Finances<\/a><\/p>\n

 <\/p>\n

Un projet ?<\/strong><\/p>\n

Contactez-nous au\u00a003.20.55.48.48<\/strong><\/a>\u00a0ou \u00e0 l\u2019adresse\u00a0lille@immosens.fr<\/strong><\/a><\/p>\n

A bient\u00f4t !<\/p>\n

L\u2019\u00e9quipe\u00a0Immosens Lille.<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

L\u2019assurance emprunteur repr\u00e9sente un co\u00fbt non n\u00e9gligeable dans le financement immobilier. Heureusement, il est d\u00e9sormais possible de changer d\u2019assurance \u00e0 tout moment dans la dur\u00e9e de vie de votre cr\u00e9dit, pour trouver une couverture moins co\u00fbteuse pour des garanties \u00e9quivalentes. Explications. Depuis la loi Lagarde de 2010, vous n\u2019\u00eates plus oblig\u00e9 de souscrire au contrat […]<\/p>\n","protected":false},"author":2,"featured_media":332,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-331","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bons-plans"],"yoast_head":"\nJe ren\u00e9gocie mon assurance de pr\u00eat - Le Blog ImmoSens<\/title>\n<meta name=\"description\" content=\"Restez inform\u00e9 en lisant l'int\u00e9gralit\u00e9 de l'article \u00abJe ren\u00e9gocie mon assurance de pr\u00eat\u00bb sur le blog immobilier de nos agences Immosens\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.immosens.fr\/blog\/je-renegocie-mon-assurance-de-pret\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Je ren\u00e9gocie mon assurance de pr\u00eat - 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