{"id":1220,"date":"2022-03-08T14:30:09","date_gmt":"2022-03-08T14:30:09","guid":{"rendered":"https:\/\/afriqmarket.com\/?p=1220"},"modified":"2026-04-10T14:39:52","modified_gmt":"2026-04-10T14:39:52","slug":"assurance-emprunteur-ce-quil-faut-savoir-avant-de-signer","status":"publish","type":"post","link":"https:\/\/afriqmarket.com\/en\/assurance-emprunteur-ce-quil-faut-savoir-avant-de-signer\/","title":{"rendered":"Loan insurance: what you need to know before signing up"},"content":{"rendered":"<p data-start=\"530\" data-end=\"725\">L'<strong data-start=\"532\" data-end=\"556\">assurance emprunteur<\/strong> est un contrat li\u00e9 \u00e0 un cr\u00e9dit, g\u00e9n\u00e9ralement un pr\u00eat immobilier. Elle couvre l\u2019emprunteur pendant toute la dur\u00e9e du pr\u00eat et prot\u00e8ge \u00e0 la fois la banque et l\u2019emprunteur.<\/p>\n<p data-start=\"727\" data-end=\"911\">En effet, si l\u2019emprunteur ne peut plus rembourser son cr\u00e9dit \u00e0 cause d\u2019un d\u00e9c\u00e8s, d\u2019une invalidit\u00e9 ou d\u2019une perte de revenus, l\u2019assurance prend en charge tout ou partie des mensualit\u00e9s.<\/p>\n<p data-start=\"913\" data-end=\"1013\">Ainsi, l\u2019assurance emprunteur constitue <strong data-start=\"953\" data-end=\"1012\">une s\u00e9curit\u00e9 financi\u00e8re pour l\u2019emprunteur et sa famille<\/strong>.<\/p>\n<h2 data-section-id=\"s3l2uc\" data-start=\"1020\" data-end=\"1070\">Les risques couverts par l\u2019assurance emprunteur<\/h2>\n<p data-start=\"1072\" data-end=\"1171\">A <strong data-start=\"1076\" data-end=\"1100\">assurance emprunteur<\/strong> couvre plusieurs situations pouvant emp\u00eacher le remboursement du pr\u00eat.<\/p>\n<h3 data-section-id=\"71d19v\" data-start=\"1173\" data-end=\"1182\">D\u00e9c\u00e8s<\/h3>\n<p data-start=\"1184\" data-end=\"1272\">En cas de d\u00e9c\u00e8s de l\u2019emprunteur, l\u2019assureur rembourse le capital restant d\u00fb \u00e0 la banque.<\/p>\n<h3 data-section-id=\"1187nt1\" data-start=\"1274\" data-end=\"1313\">Invalidit\u00e9 et incapacit\u00e9 de travail<\/h3>\n<p data-start=\"1315\" data-end=\"1449\">Si l\u2019emprunteur devient invalide ou incapable de travailler, l\u2019assurance peut prendre en charge le paiement des mensualit\u00e9s du cr\u00e9dit.<\/p>\n<h3 data-section-id=\"15hygzj\" data-start=\"1451\" data-end=\"1469\">Perte d\u2019emploi<\/h3>\n<p data-start=\"1471\" data-end=\"1606\">Certaines assurances proposent \u00e9galement une garantie perte d\u2019emploi. Toutefois, les conditions varient selon les contrats, notamment :<\/p>\n<ul data-start=\"1608\" data-end=\"1691\">\n<li data-section-id=\"1er8u8l\" data-start=\"1608\" data-end=\"1636\">la dur\u00e9e d\u2019indemnisation<\/li>\n<li data-section-id=\"142hjjo\" data-start=\"1637\" data-end=\"1660\">le d\u00e9lai de carence<\/li>\n<li data-section-id=\"1en93r6\" data-start=\"1661\" data-end=\"1691\">l\u2019\u00e2ge limite de souscription<\/li>\n<\/ul>\n<p data-start=\"1693\" data-end=\"1770\">Il est donc essentiel de <strong data-start=\"1718\" data-end=\"1769\">v\u00e9rifier les conditions pr\u00e9vues dans le contrat<\/strong>.<\/p>\n<h2 data-section-id=\"19lwl5v\" data-start=\"1777\" data-end=\"1825\">L\u2019assurance emprunteur est-elle obligatoire ?<\/h2>\n<p data-start=\"1827\" data-end=\"2040\">En th\u00e9orie, la <strong data-start=\"1842\" data-end=\"1907\">souscription d\u2019une assurance emprunteur n\u2019est pas obligatoire<\/strong> selon la loi. Cependant, dans la pratique, les banques exigent presque toujours cette assurance avant d\u2019accorder un pr\u00eat immobilier.<\/p>\n<p data-start=\"2042\" data-end=\"2149\">Ainsi, m\u00eame si elle n\u2019est pas impos\u00e9e l\u00e9galement, elle reste <strong data-start=\"2103\" data-end=\"2148\">indispensable pour obtenir un financement<\/strong>.<\/p>\n<h2 data-section-id=\"xag5z3\" data-start=\"2156\" data-end=\"2198\">Les avantages de l\u2019assurance emprunteur<\/h2>\n<p data-start=\"2200\" data-end=\"2263\">L\u2019assurance emprunteur pr\u00e9sente plusieurs avantages importants.<\/p>\n<h3 data-section-id=\"1sar6uv\" data-start=\"2265\" data-end=\"2288\">S\u00e9curit\u00e9 financi\u00e8re<\/h3>\n<p data-start=\"2290\" data-end=\"2392\">Elle prot\u00e8ge l\u2019emprunteur et sa famille en cas d\u2019impr\u00e9vu, comme un d\u00e9c\u00e8s ou une incapacit\u00e9 de travail.<\/p>\n<h3 data-section-id=\"u3xzmy\" data-start=\"2394\" data-end=\"2422\">Protection du patrimoine<\/h3>\n<p data-start=\"2424\" data-end=\"2540\">Gr\u00e2ce \u00e0 cette assurance, l\u2019emprunteur \u00e9vite le risque de saisie de ses biens en cas de difficult\u00e9s de remboursement.<\/p>\n<h3 data-section-id=\"1w9abbl\" data-start=\"2542\" data-end=\"2571\">Maintien du niveau de vie<\/h3>\n<p data-start=\"2573\" data-end=\"2684\">Certaines garanties permettent \u00e9galement d\u2019assurer un soutien financier au foyer en cas de situation difficile.<\/p>\n<h2 data-section-id=\"13ru10h\" data-start=\"2691\" data-end=\"2726\">Les types d\u2019assurance emprunteur<\/h2>\n<p data-start=\"2728\" data-end=\"2820\">Depuis la <strong data-start=\"2738\" data-end=\"2761\">loi Lagarde de 2010<\/strong>, les emprunteurs peuvent choisir librement leur assurance.<\/p>\n<p data-start=\"2822\" data-end=\"2856\">Deux options principales existent.<\/p>\n<h3 data-section-id=\"1jvppi\" data-start=\"2858\" data-end=\"2880\">L\u2019assurance groupe<\/h3>\n<p data-start=\"2882\" data-end=\"2988\">Propos\u00e9e directement par la banque, cette assurance applique un tarif identique pour tous les emprunteurs.<\/p>\n<h3 data-section-id=\"pa9wq3\" data-start=\"2990\" data-end=\"3019\">La d\u00e9l\u00e9gation d\u2019assurance<\/h3>\n<p data-start=\"3021\" data-end=\"3207\">Avec la d\u00e9l\u00e9gation d\u2019assurance, l\u2019emprunteur peut choisir une assurance externe. Le tarif d\u00e9pend alors du profil de l\u2019assur\u00e9, ce qui peut permettre de <strong data-start=\"3172\" data-end=\"3206\">r\u00e9duire le co\u00fbt de l\u2019assurance<\/strong>.<\/p>\n<h2 data-section-id=\"1kk56v7\" data-start=\"3214\" data-end=\"3267\">L\u2019importance de v\u00e9rifier les conditions du contrat<\/h2>\n<p data-start=\"3269\" data-end=\"3380\">Avant de signer une <strong data-start=\"3289\" data-end=\"3313\">assurance emprunteur<\/strong>, il est essentiel de lire attentivement les conditions du contrat.<\/p>\n<p data-start=\"3382\" data-end=\"3423\">Certains \u00e9l\u00e9ments doivent \u00eatre v\u00e9rifi\u00e9s :<\/p>\n<ul data-start=\"3425\" data-end=\"3538\">\n<li data-section-id=\"190lt8a\" data-start=\"3425\" data-end=\"3451\">les garanties incluses<\/li>\n<li data-section-id=\"1hw76db\" data-start=\"3452\" data-end=\"3482\">les exclusions de garantie<\/li>\n<li data-section-id=\"pq63g4\" data-start=\"3483\" data-end=\"3508\">les d\u00e9lais de carence<\/li>\n<li data-section-id=\"1h3l3ch\" data-start=\"3509\" data-end=\"3538\">les franchises appliqu\u00e9es<\/li>\n<\/ul>\n<p data-start=\"3540\" data-end=\"3640\">Par exemple, certaines garanties ne prennent effet qu\u2019apr\u00e8s <strong data-start=\"3600\" data-end=\"3639\">un d\u00e9lai de franchise de trois mois<\/strong>.<\/p>\n<h2 data-section-id=\"jkuefo\" data-start=\"3647\" data-end=\"3695\">Pourquoi comparer les assurances emprunteur ?<\/h2>\n<p data-start=\"3697\" data-end=\"3803\">Comparer plusieurs offres d\u2019<strong data-start=\"3725\" data-end=\"3749\">assurance emprunteur<\/strong> permet souvent de r\u00e9aliser des \u00e9conomies importantes.<\/p>\n<p data-start=\"3805\" data-end=\"4042\">En effet, depuis la loi Lagarde, les banques ne d\u00e9tiennent plus le monopole de ces assurances. Les emprunteurs peuvent donc choisir une offre plus avantageuse aupr\u00e8s d\u2019un autre assureur, \u00e0 condition que les garanties soient \u00e9quivalentes.<\/p>\n<p data-start=\"4044\" data-end=\"4146\">Ainsi, comparer les contrats permet de <strong data-start=\"4083\" data-end=\"4145\">trouver une assurance adapt\u00e9e \u00e0 son profil et \u00e0 son budget<\/strong>.<\/p>\n<h2 data-section-id=\"8dtpi\" data-start=\"4153\" data-end=\"4166\">Conclusion<\/h2>\n<p data-start=\"4168\" data-end=\"4367\">L'<strong data-start=\"4170\" data-end=\"4194\">assurance emprunteur<\/strong> repr\u00e9sente un \u00e9l\u00e9ment essentiel lors de la souscription d\u2019un cr\u00e9dit immobilier. Elle prot\u00e8ge \u00e0 la fois l\u2019emprunteur, sa famille et l\u2019\u00e9tablissement pr\u00eateur en cas d\u2019impr\u00e9vu.<\/p>\n<p data-start=\"4369\" data-end=\"4576\">Avant de signer, il est donc important d\u2019analyser les garanties, de v\u00e9rifier les conditions du contrat et de comparer les diff\u00e9rentes offres afin de choisir <strong data-start=\"4526\" data-end=\"4575\">la solution la plus adapt\u00e9e \u00e0 votre situation<\/strong>.<\/p>\n\n\n<div class=\"wp-block-cover alignfull is-position-center-center\" style=\"min-height:220px;margin-top:0px;margin-bottom:0px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" class=\"wp-block-cover__image-background wp-image-6062\" alt=\"\" src=\"https:\/\/afriqmarket.com\/wp-content\/uploads\/2022\/05\/hero8.jpg\" style=\"object-position:53% 100%\" data-object-fit=\"cover\" data-object-position=\"53% 100%\" srcset=\"https:\/\/afriqmarket.com\/wp-content\/uploads\/2022\/05\/hero8.jpg 1920w, https:\/\/afriqmarket.com\/wp-content\/uploads\/2022\/05\/hero8-300x169.jpg 300w, https:\/\/afriqmarket.com\/wp-content\/uploads\/2022\/05\/hero8-1024x576.jpg 1024w, https:\/\/afriqmarket.com\/wp-content\/uploads\/2022\/05\/hero8-768x432.jpg 768w, https:\/\/afriqmarket.com\/wp-content\/uploads\/2022\/05\/hero8-1536x864.jpg 1536w, https:\/\/afriqmarket.com\/wp-content\/uploads\/2022\/05\/hero8-240x135.jpg 240w, https:\/\/afriqmarket.com\/wp-content\/uploads\/2022\/05\/hero8-1320x743.jpg 1320w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-70 has-background-dim\" style=\"background-color:#171717\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#ffffff;margin-top:10px;margin-bottom:8px\"><strong>Loan insurance<\/strong><\/h3>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color\" style=\"font-size:13px;margin-top:10px;margin-bottom:15px\">Compare quotes for your project and get the best price!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-499968f5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\" style=\"margin-bottom:10px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/afriqmarket.com\/en\/devis-assurance-emprunteur\/\" style=\"background-color:#3497d9\">Request a quote<\/a><\/div>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance emprunteur est un contrat li\u00e9 \u00e0 un cr\u00e9dit, g\u00e9n\u00e9ralement un pr\u00eat immobilier. Elle couvre l\u2019emprunteur pendant toute la dur\u00e9e du pr\u00eat et prot\u00e8ge \u00e0 la fois la banque et l\u2019emprunteur. En effet, si l\u2019emprunteur ne peut plus rembourser son cr\u00e9dit \u00e0 cause d\u2019un d\u00e9c\u00e8s, d\u2019une invalidit\u00e9 ou d\u2019une perte de revenus, l\u2019assurance prend en [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1221,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-1220","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uncategorized"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance emprunteur : ce qu\u2019il faut savoir avant de signer | AfriqMarket.com<\/title>\n<meta name=\"description\" content=\"Assurance emprunteur : d\u00e9couvrez les garanties et les points essentiels \u00e0 v\u00e9rifier avant de souscrire une assurance de pr\u00eat immobilier. 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