The usury rate is supposed to protect the borrower against excessive rates when applying for a home loan from a bank. Every quarter, the Banque de France analyses the average effective rates charged by credit institutions and determines the threshold that should not be exceeded. The TAEG (annual percentage rate of charge) ...
The "Mutuelle santé", also known as "complementary health insurance", is an insurance contract that complements the basic covershealth insurance.
1. What is the purpose of this insurance?
The purpose of complementary health insurance is to reimburse all or part of the expenses not reimbursed by the country's "health insurance" system (whether it exists or not) that are not covered by the national health insurance system.
As the Covid-19 has put the world on pause, it is natural that many buyers have been wondering about their buying plans.
Will the housing market be in crisis? Will the health situation have an impact on bank rates? Will I be able to get a mortgage set upor sign the deed of sale at ...
It is best to approach as many credit institutions and insurers as possible to try to get a loan if you have or have had a health problem. The AERAS agreement can be a last resort.
The question is often asked: can you take out a loan if you have (or have had) a health problem?
Before granting you a home loan, the bank requires you to take out loan insurance to cover the risks of death, disability and incapacity. The coverloss of employment insurance is an optional insurance that can also be offered to you when you take out a mortgage.
The conditions
This coveris rarely taken out when taking out a mortgage.
Whatever the loan, it is in the borrower's interest to take out specific insurance. This is offered by the lending institution and can be changed by another offer from another player. Beyond the cost of loan insurance, it is important to understand and analyse the conditions of application when a claim occurs.
Without hesitation, loan insurance ...
Loan insurance with the bank or by delegation?
After the law Lagarde of September 2010 on insurance delegation, the Hamon law of July 2014 facilitates the change of contract during the first year of the loan. This measure was reinforced in January 2018 by the entry into force of the Bourquin amendment aimed at making it easier for ...
Subscribing to one Crédit Immobilierin France is always accompanied by the implementation of a loan insurance. The latter is the essential point to cover oneself in case of impossibility of reimbursement but also to protect the bank to which the insurer will pay the amount due. In order to optimize the cost of the financial operation, borrowers focus on...
On the occasion of the 18th edition of the Journées de Courtage in Paris, the traditional meeting of insurance professionals, Valoramaspecialising in loan insurance for non-residents, took stock of the latest developments in the new school year.
As a reminder, loan insurance, even if it is not mandatory, is always requested by the bank...
When you take out a mortgage in France from abroad, French banks will ask you to take out loan insurance. But by being expatriated in a country far from France such as Canada or the United States, where it is difficult to go back and forth to carry out the medical examinations necessary for...
