{"id":7695,"date":"2019-04-12T12:00:00","date_gmt":"2019-04-12T10:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/blog\/2019\/04\/12\/assurance-emprunteur-une-proposition-de-loi-pour-renforcer-le-droit-de-resiliation\/"},"modified":"2019-06-04T12:02:11","modified_gmt":"2019-06-04T10:02:11","slug":"assurance-emprunteur-une-proposition-de-loi-pour-renforcer-le-droit-de-resiliation","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2019\/04\/12\/assurance-emprunteur-une-proposition-de-loi-pour-renforcer-le-droit-de-resiliation\/","title":{"rendered":"Assurance-emprunteur\u00a0: une proposition de loi pour renforcer le droit de r\u00e9siliation"},"content":{"rendered":"<p>Depuis le 1er\u00a0janvier\u00a02018, tous les emprunteurs peuvent r\u00e9silier chaque ann\u00e9e (\u00e0 la date anniversaire) le contrat qui assure leur cr\u00e9dit immobilier pour en souscrire un nouveau aupr\u00e8s de la compagnie d\u2019assurance de leur choix. Une facult\u00e9 qui n\u2019enchante \u00e9videmment pas les \u00e9tablissements bancaires qui, jusqu\u2019\u00e0 peu, captaient la quasi-totalit\u00e9 de ce march\u00e9.<\/p>\n<p>Pour renforcer et mieux informer les consommateurs de cette nouvelle proc\u00e9dure de r\u00e9siliation, une proposition de loi pr\u00e9voit d\u2019obliger les banques \u00e0 informer chaque ann\u00e9e leurs clients de la date anniversaire de la signature de l\u2019offre de pr\u00eat (date \u00e0 prendre en compte pour la r\u00e9siliation). \u00c0 d\u00e9faut de communication, l\u2019emprunteur serait en droit de changer d\u2019assurance-emprunteur \u00e0 tout moment. Et la banque fautive serait sanctionn\u00e9e par une amende de 1\u00a0500\u00a0\u20ac. En outre, il serait pr\u00e9vu d\u2019afficher les d\u00e9cisions de justice prononc\u00e9es \u00e0 l\u2019encontre des pr\u00eateurs condamn\u00e9s (fa\u00e7on \u00ab\u00a0name and shame\u00a0\u00bb).<\/p>\n<p>Les Echos Publishing 2019<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour am\u00e9liorer l\u2019information des consommateurs sur la proc\u00e9dure de r\u00e9siliation de l\u2019assurance-emprunteur, une proposition de loi pr\u00e9voit notamment d\u2019imposer aux banques d\u2019informer chaque ann\u00e9e les emprunteurs de la date anniversaire de la signature de l\u2019offre de pr\u00eat.<\/p>\n","protected":false},"author":5,"featured_media":7696,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"yes","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35,36],"tags":[],"class_list":["post-7695","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridique","category-patrimoine","typo-actualite"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/7695"}],"collection":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/comments?post=7695"}],"version-history":[{"count":0,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/7695\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/7696"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=7695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=7695"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=7695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}