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Assurances et P​at​rim​oines des Monts d'Azur...

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CHANGER VOTRE ASSURANCE EMPRUNTEUR TOUS LES ANS

Publié le 12 septembre 2020 à 6:00

AMENDEMENT BOURQUIN : VOUS POUVEZ DÉSORMAIS CHANGER VOTRE ASSURANCE EMPRUNTEUR TOUS LES ANS


À COMPTER DU 1ER JANVIER 2018 GRÂCE À L’AMENDEMENT BOURQUIN, TOUTE PERSONNE PHYSIQUE AYANT SOUSCRIT UN PRÊT IMMOBILIER AURA LA POSSIBILITÉ DE RÉSILIER UNE FOIS PAR AN L’ASSURANCE DE SON PRÊT, AU PROFIT D’UN AUTRE CONTRAT PRÉSENTANT UN NIVEAU DE GARANTIES ÉQUIVALENT.

Bien que non-obligatoire, l’assurance de prêt est exigée par les Banques pour accorder un crédit immobilier. Celles-ci ont longtemps conservé le monopole de cette assurance en imposant à leurs clients l’adhésion à leur assurance de groupe (87% des contrats souscrits auprès des banques).

 

Grâce à l’entrée en vigueur de l’amendement Bourquin au 1er janvier 2018, l’emprunteur sera désormais libre de choisir la meilleure solution d’assurance pour garantir son prêt bancaire en cas de décès, d’arrêt de travail ou d’invalidité, et ce pendant tout la durée du prêt.

 

La renégociation de cette assurance peut ainsi générer une économie non-négligeable au regard du budget souvent conséquent qu’elle représente lors du financement d’un achat immobilier.

 

LA CONSÉCRATION DE LA RÉSILIATION ANNUELLE EN PLUSIEURS ÉTAPES :

1er Septembre 2010 : Avec La loi Lagarde, la Banque ne peut plus imposer l’adhésion à son assurance de groupe. Elle offre ainsi la possibilité de souscrire son assurance de prêt auprès de l’établissement de son choix. Cette loi ne prévoit pas encore la possibilité de résilier son contrat une fois le prêt en place.

Loi Hamon du 17 Mars 2014 : L’Emprunteur peut dorénavant résilier et remplacer son assurance de prêt, uniquement dans les 12 mois qui suivent la signature de l’offre de prêt. A condition que le contrat qui se substitue présente une équivalence de garanties avec le contrat résilié.

22 Février 2017 : Le principe de résiliation annuelle d’une assurance Emprunteur sur toute la durée d’un prêt immobilier est définitivement adopté. L’amendement Bourquin permet ainsi d’appliquer le droit de résiliation annuelle aux offres de prêt émises à compter du 22 Février 2017 dans un premier temps, puis à l’ensemble des contrats d’assurance emprunteur en cours à compter du 1er janvier 2018. Il est à noter que la Loi Hamon reste applicable à tous les prêts de moins de 12 mois.

LES CONDITIONS POUR FAIRE VALOIR LE DROIT DE RÉSILIATION ANNUELLE :

Le crédit immobilier assuré est souscrit à titre privé. Les emprunts professionnels ne sont pas concernés.

Le contrat d’assurance choisi en remplacement doit présenter un niveau de garanties au moins équivalent au contrat résilié.

Le nouveau contrat doit être souscrit avant la résiliation du précédent. En effet, la loi impose de présenter à la Banque le contrat définitif venant substituer l’assurance de groupe. Il est donc nécessaire d’anticiper la résiliation plusieurs mois à l’avance !

LES MODALITÉS DE RÉSILIATION AVEC L’AMENDEMENT BOURQUIN :

Pour tous les crédits immobiliers, qu’ils soient récents ou anciens :

 

Possibilité de résilier son contrat d’assurance à chaque date anniversaire, en respectant un préavis d’au minimum deux mois pour en informer son assureur actuel.

A titre d’exemple, un contrat d’assurance souscrit le 01er Mai 2015 pourra être résilié et substitué pour la première fois le 1er Mai 2018. La résiliation devra être adressée au plus tard le 01er Mars 2018, soit 2 mois avant l’échéance.

Envoi du courrier de résiliation en lettre recommandée avec accusé de réception, accompagné du nouveau contrat et de sa Notice d’Information. Attention, la date d’effet du nouveau contrat doit coïncider avec la date de résiliation de l’ancien contrat.

A réception, la Banque doit rendre sa décision dans un délai de 10 jours ouvrés.

En cas d’acceptation, la Banque adresse à l’emprunteur un avenant au contrat de crédit. Cette démarche est totalement gratuite. En cas de refus, la Banque doit justifier son refus, sous peine de s’exposer à une amende de 3 000 €.

On se tient à votre disposition pour vous réaliser rapidement un devis sur-mesure afin d’évaluer le gain potentiel.

Catégories : FINANCE et CREDIT

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