Prêt hypothécaire : ce que dit la loi en 2017 !

Prêt hypothécaire

Le coût élevé de la vie, la hausse des taxes et impôts, et la non-disponibilité de ressources financières peuvent parfois constituer des freins à la constitution d’une mise de fonds suffisante pour l’acquisition ou l’aménagement d’une maison. Le recours immédiat dans ce genre de situation est bien souvent l’emprunt immobilier effectué auprès d’une banque qui peut exiger la sécurisation de cet emprunt par le biais d’une assurance : l’assurance prêt hypothécaire.

L’assurance hypothécaire

Souscrite par un particulier, sur approbation de sa banque, l’assurance hypothécaire couvre la banque ou l’organisme financier qui octroie un prêt immobilier lors de l’achat d’un bien. En effet, la banque, en contrepartie du prêt immobilier, prélève une hypothèque consentie par l’acquéreur, sur le bien acquis. Mais celle-ci ne constitue pas une garantie suffisante et la banque exige, la plupart du temps, une assurance. Cette assurance la protège en cas de défaut de paiement, de maladie, de décès, ou d’invalidité de l’emprunteur. L’assurance hypothécaire offre ainsi l’avantage de pouvoir acheter plus tôt un bien immobilier avec une mise de fonds moins importante.

La mise en place de l’assurance hypothécaire

L’assurance hypothécaire peut être mise en place soit par le biais d’une assurance de groupe proposée la plupart du temps par la banque ayant octroyé le crédit, soit par l’assurance individuelle soumise par un assureur alternatif ou un courtier. Le coût de l’assurance dépend généralement du type de prêt hypothécaire et du montant de la mise de fonds. Cependant, l’assurance individuelle présente des avantages non négligeables : elle est moins onéreuse, taillée à la mesure de l’emprunteur qui en est le propriétaire et peut choisir à sa guise le bénéficiaire. Les déconvenues liées au calcul du risque et de la prime ainsi qu’au calcul du capital assuré sont aplanies. L’assurance collective des institutions financières est réputée pour son coût dispendieux. Avant toute souscription à une assurance hypothécaire, procédez à l’estimation du montant de votre assurance en ligne en utilisant un comparateur d’assurance hypothèque pour comparer l’offre sur le marché et calculer instantanément vos économies. Remplissez ensuite les formulaires de demande en ligne et décrochez un rendez-vous avec un expert en assurance hypothécaire pour le montage et la finalisation de votre dossier.

Ce qui change en 2017

L’emprunteur a désormais la possibilité de changer, chaque année, le prestataire de l’assurance hypothécaire. Cette mesure, appelée le droit de substitution, concerne les assurances sur les prêts immobiliers élaborées à partir de la date du 22 février 2017. En conséquence, à partir du 1er janvier 2018, tout contrat d’assurance hypothécaire pourra être remplacé à l’approche de son échéance annuelle, à condition que le niveau de garantie proposé par le nouvel assureur soit supérieur ou identique au précédent. Pour ce faire, il faut penser à avertir l’assureur hypothécaire au moins deux mois à l’avance par courrier recommandé. Ce courrier devra mentionner la date de mise en application du nouveau contrat approuvé par la banque. Cette dernière dispose d’un délai de 10 jours pour statuer en faveur d’un assureur concurrent. Une fois l’approbation donnée, la banque ne pourra plus modifier le montant du prêt ou le taux d’intérêt accordé à l’emprunteur. En outre, aucun frais supplémentaire n’est requis pour l’examen du dossier de l’assureur concurrent.

Dans le même ordre d’idées, la résiliation annuelle est autorisée à compter du 1er mars 2018. En d’autres termes, n’importe quel contrat d’assurance, contrat de groupe ou contrat individuel, pourra être facilement résilié, indépendamment de la date à laquelle il a été signé. La conséquence immédiate du droit de substitution et de la résiliation annuelle est la mise en concurrence des prestataires d’assurance hypothécaire et par ricochet, la chute probable des coûts des contrats d’assurance. De façon générale, ces mesures favorisent les emprunteurs qui pourront négocier à la baisse le taux d’assurance et bénéficier ainsi des meilleures cotations pour sécuriser leur crédit immobilier.

Click Here to Leave a Comment Below
best way to do business Reply

It’s difficult to find knowledgeable people on this subject, however, you sound like you know what you’re talking about! Thanks

http:///www.manulescu.com – manu manumanu

Ulysses Hamel Reply

I was looking for this information for quite some time now. Thankyou

You can check my site also here:

scule pescuit second hand 2015

Mae Stempien Reply

this is really usefull. You are a great writer, keep it up

You can check my site also here:

cel mai bun hosting

Jeneva Wiebold Reply

really nice

This is as a matter of fact credible tidings my friend. you are a remarkably good scribbler . i hunger to share with you my website as well. foresee me what do you deem fro it

buy youtube views

Thankyou again for posting such good content. Cheers

oprolevorter Reply

certainly like your web-site however you need to check the spelling on several of your posts. A number of them are rife with spelling problems and I to find it very bothersome to tell the reality nevertheless I will certainly come back again.

Andrei Spartu Reply

This is a exact fascinating post. Conserve it up and you wishes be the best.

What do you think about my site ? https://repairshare7.webgarden.cz

web design Reply

Attractive part of content. I just stumbled upon your weblog and
in accession capital to say that I acquire in fact loved account your blog posts.
Anyway I will be subscribing to your augment
or even I success you get entry to constantly fast.

Django Unchaf Reply

This is a very enchanting post. Keep them coming.

Conscious of my website here: xbody bucuresti

Cox Colik Reply

This is a quite interesting post. Smother them coming.

Discern my website here: xbody bucuresti

Cox Colii Reply

This is a surely spellbinding post. Shroud them coming.

Behold my website here: xbody bucuresti

Django Unchae Reply

This is a surely enchanting post. Put them coming.

Behold my website here: xbody

Typicalcat74 Reply

Thanks for sharing excellent information. Your web site is very cool. I am impressed by the info that you have on this web site. It reveals how nicely you understand this subject. Bookmarked this web page, will come back for extra articles.

RonaldApope Reply

This is a truly interesting website I be required to say.

Too stale that there are not too assorted websites like This anymore. But I am pleased that I found it. Penetrating scribble literary works on it .

You can see my website here as well: xbody ems

Gwendolyn Beldeno Reply

This is a hugely riveting post. You are doing seep with writing.

You can also see my website here: calculator rca ieftin

Chas Rehmc Reply

This is a particular absorbing post. You are doing seep with writing.

You can also have a word with my website here: asigurari online

Erich Subicha Reply

This is a hugely absorbing post. You are doing correctly with writing.

You can also have a word with my website here: financial

how long does it take cialis to take effect Reply

Hello, thank you in regard to information! I repost in Facebook

Madelyn Biancardih Reply

This is a selfsame absorbing delivery . But I like more the contrive that you deceive at your website. Amass it up.

What do you about down my website ? virool buy youtube views

Cary Pumpheryl Reply

This is indubitably the best content i have seen so far.

Check my milieu too: cel mai bun hosting

xbody bucuresti Reply

It’s not my first time to go to see this web site, i am browsing this web site dailly and obtain nice data
from here every day.

xbody Reply

For newest news you have to pay a visit world wide web and on the web I found this
site as a most excellent website for latest updates.

EverettMal Reply

Hello, thank you in spite of facts! viagra prices http://viapwronline.com I repost in Facebook.
viagra in action

Andy Andyj Reply

This is a truly important post. Thanks as a service to posting this.

What do you over about my website: creare site web bucuresti

John Muranoa Reply

This is a same weighty post. Thanks for posting this.

What do you over close by my website: firma web design

John Pablof Reply

This is a very respected post. Thanks quest of posting this.

What do you over about my website: creare site bucuresti

John Escobarh Reply

This is a very important post. Thanks for posting this.

What do you believe about my website: agentie web design bucuresti

Andy Pablob Reply

This is a very important post. Thanks for posting this.

What do you believe about my website: web design bucuresti

Johnny Giudib Reply

This is a very respected post. Thanks as a service to posting this.

What do you over close by my website: servicii creare site web

Cristi Caniof Reply

This is a truly weighty post. Thanks quest of posting this.

What do you over almost my website: web design bucuresti

Danny Andreescui Reply

You beget a entirely enchanting website. I like the occupied word that you provender with every article.

You can check my website here : https://xbodydristor.blogspot.com/

What do you believe ?

Petermit Reply

Hello, attention you http://cialisxtl.com in spite of tidings! tadalafil vs cialis
viagra vs cialis vs levitra

John Garciaa Reply

You maintain a entirely exciting website. I like the whole word that you provender with every article.

You can contain my website here : https://xbodybucurestidristor.blogspot.com/

What do you contemplate ?

Rupa Escobarc Reply

This is a truly weighty post. Thanks quest of posting this.

What do you over nearby my website: https://firmacrearesitewebdesign.blogspot.com/

Johnny Muranodp Reply

This is a to a great extent important post. Thanks for posting this.

What do you believe nearby my website: https://crearesitedeprezentarebucurestix.blogspot.com/

https://firmawebdesignx.blogspot.com/ Reply

Write more, thats all I have to say. Literally, it seems as though you
relied on the video to make your point. You definitely know what youre talking about, why waste your intelligence on just posting videos to your
blog when you could be giving us something enlightening
to read?

creare site bucuresti Reply

Wow! At last I got a webpage from where I be able to really
take useful data regarding my study and knowledge.

https://webdesignbucurestix.blogspot.com/ Reply

Hi! I’ve been reading your blog for a long time
now and finally got the courage to go ahead and give you a shout out from New Caney Texas!
Just wanted to mention keep up the good job!

https://realizarewebsitex.blogspot.com/ Reply

I have read so many articles regarding the blogger lovers except this paragraph is actually a good post, keep it
up.

https://agentiewebdesignbucurestix.blogspot.com/ Reply

I think the admin of this website is genuinely working hard
in support of his site, as here every data is quality based material.

web design Reply

Pretty! This was a really wonderful post. Thank you for providing these details.

WayneNUH Reply

Cialis cialis maximum dosage generic cialis

Janean Saunas Reply

You work hard to dress up your life and control the big and small things in life. But be sure to dress yourself. That way, your life is refined enough.

Keltype Reply

Mexico Prescriptions Hydrocodone Amoxil And Sandoz And Appearance Viagra Bestellen Voor Vrouwen Buy Cialis Can Amoxicillin Make You Lightheaded Amoxicillin 500 Mg Capsule Udl

https://realizarewebsiteprezentarex.blogspot.com/ Reply

Terrific post however I was wondering if you could write a
litte more on this subject? I’d be very grateful if you could elaborate a little bit more.
Many thanks!

web design bucuresti Reply

I am sure this paragraph has touched all the internet users, its really really pleasant article
on building up new webpage.

https://prowebdesignro.blogspot.com/ Reply

Hey just wanted to give you a brief heads up and let you know a few
of the images aren’t loading properly. I’m not sure why but I think its
a linking issue. I’ve tried it in two different web browsers and
both show the same outcome.

https://profwebdesign.blogspot.com/ Reply

Nice post. I was checking continuously this blog
and I’m impressed! Very useful info specifically the last part 🙂 I care for such information much.
I was looking for this particular information for a long time.
Thank you and good luck.

creare site de prezentare bucuresti Reply

With havin so much content and articles do you ever run into any issues of plagorism or copyright
violation? My site has a lot of unique content I’ve either
written myself or outsourced but it appears a lot of it is popping it up all over the internet without my permission. Do you know any techniques to help
protect against content from being stolen? I’d definitely appreciate
it.

creare site web bucuresti Reply

I’m not sure why but this web site is loading extremely slow for me.
Is anyone else having this issue or is it a problem on my end?
I’ll check back later and see if the problem still exists.

creare site de prezentare Reply

Wonderful goods from you, man. I have understand your stuff previous to and you
are just too excellent. I really like what you’ve acquired here, certainly like what you’re stating and the
way in which you say it. You make it enjoyable and you still care for to keep it wise.
I can not wait to read far more from you. This is actually a great web site.

realizare website Reply

Good post. I learn something new and challenging on blogs I stumbleupon everyday.
It will always be useful to read through content from other writers and practice a little
something from their websites.

creare site de prezentare Reply

Superb, what a web site it is! This blog provides valuable information to us, keep it up.

WayneNUH Reply

Cialis 5 mg cialis coupon printable buy cialis online canadian

clash of clans free gems Reply

If you desire to increase your experience only keep
visiting this site and be updated with the newest news
posted here.

WayneNUH Reply

Cialis walgreens price for cialis 20mg generic cialis without prescription

Leave a Comment: