{"id":969,"date":"2022-01-19T11:31:33","date_gmt":"2022-01-19T10:31:33","guid":{"rendered":"http:\/\/archive.the-woodstock.com\/?post_type=solutions&#038;p=969"},"modified":"2022-10-14T15:30:23","modified_gmt":"2022-10-14T13:30:23","slug":"lassurance-emprunteur","status":"publish","type":"solutions","link":"https:\/\/archive.the-woodstock.com\/?solutions=lassurance-emprunteur","title":{"rendered":"Assurance emprunteur"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">L\u2019assurance emprunteur, c\u2019est un contrat qui garantit la prise en charge du capital restant d\u00fb ou des \u00e9ch\u00e9ances de cr\u00e9dits dans le cadre d\u2019un pr\u00eat immobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle vous couvre en cas d\u2019arr\u00eat de travail au-del\u00e0 d\u2019une certaine p\u00e9riode appel\u00e9e franchise, mais surtout en cas de d\u00e9c\u00e8s et d\u2019invalidit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certains contrats proposent des options assurance ch\u00f4mage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;assurance emprunteur couvre \u00e0 la fois : le cr\u00e9ancier (la banque en g\u00e9n\u00e9ral) et l\u2019assur\u00e9 (vous).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez souscrire ce type de contrat, soit directement aupr\u00e8s de la banque qui vous accorde le cr\u00e9dit, soit aupr\u00e8s d\u2019un assureur. On parle alors de d\u00e9l\u00e9gation d\u2019assurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est un des contrats de pr\u00e9voyance les plus importants pour le foyer.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis 2015, le comit\u00e9 consultatif du secteur financier (CCSF) a mis en place 18 crit\u00e8res pr\u00e9cis et objectifs (dont 11 sont choisis par la banque porteuse du cr\u00e9dit) pour faciliter la comparaison d\u2019assurance emprunteur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les contrats individuels propos\u00e9s par les assureurs (vs les contrats groupe propos\u00e9s par les banques) peuvent vous permettre d\u2019\u00eatre mieux couvert en termes de garanties, pour une cotisation inf\u00e9rieure.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance emprunteur, c\u2019est un contrat qui garantit la prise en charge du capital restant d\u00fb ou des \u00e9ch\u00e9ances de cr\u00e9dits dans le cadre d\u2019un pr\u00eat immobilier. Elle vous couvre en cas d\u2019arr\u00eat de travail au-del\u00e0 [&hellip;]<\/p>\n","protected":false},"featured_media":2097,"menu_order":4,"template":"","meta":[],"cible":[5],"sujet":[8],"class_list":["post-969","solutions","type-solutions","status-publish","has-post-thumbnail","hentry","cible-1-solution-dirigeant-tns","sujet-1-prevoyance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L\u2019assurance emprunteur : une prise en charge de vos remboursements<\/title>\n<meta name=\"description\" content=\"L&#039;assurance emprunteur permet le remboursement d\u2019une partie ou de l\u2019enti\u00e8ret\u00e9 du cr\u00e9dit restant en cas d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s de la personne emprunteuse.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta 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