{"id":10885,"date":"2017-07-04T12:14:00","date_gmt":"2017-07-04T10:14:00","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=10885"},"modified":"2017-07-04T12:14:00","modified_gmt":"2017-07-04T10:14:00","slug":"04072017-assurance-de-pret-en-francs-suisses-pas-si-libre-de-choisir","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2017\/07\/04\/04072017-assurance-de-pret-en-francs-suisses-pas-si-libre-de-choisir\/","title":{"rendered":"04\/07\/2017 &#8211; Assurance de pr\u00eat en francs suisses, pas si libre de choisir !"},"content":{"rendered":"<p dir=\"ltr\"><span style=\"font-size: medium;\">Cela a commenc\u00e9 il y a d\u00e9j\u00e0 plusieurs ann\u00e9es avec la loi Lagarde, puis est venue la loi Hamon, mais choisir son assurance emprunteur lorsque l\u2019on contracte un cr\u00e9dit immobilier en francs suisses, ce n\u2019est pas si facile qu\u2019on pourrait le penser.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-size: medium;\">Petit rappel, la loi hamon permet \u00e0 l\u2019emprunteur de choisir librement l\u2019assurance qui va couvrir les risques d\u00e9c\u00e8s et invalidit\u00e9 de son pr\u00eat immobilier. Le conseiller de la banque doit remettre \u00e0 son client une liste des crit\u00e8res de r\u00e9f\u00e9rence permettant de comparer le contrat d\u2019assurance propos\u00e9 par la banque \u00e0 d\u2019autres contrats propos\u00e9s par des compagnies d\u2019assurances ou des courtiers.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-size: medium;\">Si pour les financements en \u20acuros cela ne pose pas de difficult\u00e9, le probl\u00e8me dans le cadre d\u2019un pr\u00eat en devises suisses, r\u00e9side dans le fait que la majorit\u00e9 des banques de la zone frontali\u00e8re proposent des contrats d\u2019assurance emprunteur en francs suisses, et qu\u2019il n\u2019existe pas pour le coup pas d\u2019\u00e9quivalent sur le march\u00e9\u2026.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-size: medium;\">Avec ces \u00e9tablissements, il est tr\u00e8s difficile d\u2019envisager la d\u00e9l\u00e9gation d\u2019assurance, c\u2019est pourquoi il est tr\u00e8s important de comparer en amont le choix de votre partenaire financier.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-size: medium;\">Mais \u00e7a c\u2019est normalement le travail de votre courtier en cr\u00e9dit immobilier !<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cela a commenc\u00e9 il y a d\u00e9j\u00e0 plusieurs ann\u00e9es avec la loi Lagarde, puis est venue la loi Hamon, mais choisir son assurance emprunteur lorsque l\u2019on contracte un cr\u00e9dit immobilier en francs suisses, ce n\u2019est pas si facile qu\u2019on pourrait le penser. Petit rappel, la loi hamon permet \u00e0 l\u2019emprunteur de choisir librement l\u2019assurance qui [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,5],"tags":[],"class_list":{"0":"post-10885","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-assurance-emprunteur","7":"category-immobilier-actualites","8":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>04\/07\/2017 - Assurance de pr\u00eat en francs suisses, pas si libre de choisir ! - Mon-taux.com - Blog des experts en frontaliers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mon-taux.com\/blog\/2017\/07\/04\/04072017-assurance-de-pret-en-francs-suisses-pas-si-libre-de-choisir\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"04\/07\/2017 - Assurance de pr\u00eat en francs suisses, pas si libre de choisir ! - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"Cela a commenc\u00e9 il y a d\u00e9j\u00e0 plusieurs ann\u00e9es avec la loi Lagarde, puis est venue la loi Hamon, mais choisir son assurance emprunteur lorsque l\u2019on contracte un cr\u00e9dit immobilier en francs suisses, ce n\u2019est pas si facile qu\u2019on pourrait le penser. 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