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lang="fr-FR"> Assurances hypothécaires, comment s’y retrouver ? - https://dev.medias-presse.info
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Site icon https://dev.medias-presse.info

Assurances hypothécaires, comment s’y retrouver ?

L’achat d’une maison est généralement l’investissement principal d’une vie. Les conditions bancaires actuelles étant ce qu’elles sont, l’achat se fait généralement à plusieurs. Mais qu’arrive-t-il si une de ces deux personnes décède? Un fait demeure, l’hypothèque ne se remboursera pas toute seule. Il faut donc que quelqu’un s’en charge, en l’occurrence, le survivant. Il existe des solutions pour vous permettre d’avoir l’esprit tranquille en cas d’imprévu : l’assurance hypothécaire. Plusieurs compagnies offrent cette solution, notamment les institutions financières ainsi que les compagnies d’assurance.

Concrètement, l’assurance hypothécaire garantit le remboursement de votre prêt hypothécaire en cas de décès. Il est donc primordial de bien Comparez avant de contracter une assurance hypothécaire, prendre celle proposée par la banque n’étant pas forcément une bonne affaire, en effet, il est estimé que 88 % des gens payaient trop cher leur assurance hypothécaire. Outre le coût, le fonctionnement est également différent. Ainsi, chez le prêteur, soit l’institution financière, le montant à payer pour l’assurance hypothécaire sera ajouté directement sur le prêt, ce qui aura pour effet d’augmenter, par le fait même, les intérêts. De même, ce type d’assurance ne couvre que le solde du prêt restant, qui diminue donc à mesure que vous payez du capital sur votre hypothèque. Par exemple, si votre conjoint décède durant la vingt-deuxième année du prêt hypothécaire (sur 25 ans), l’assurance ne remboursera que les quelques milliers d’euros restants à la banque. Vous ne verrez donc jamais le fruit de cet argent, mais au moins, vous n’aurez plus d’hypothèque sur le dos.

L’assurance provenant d’un assureur ne vous coûtera généralement qu’un tiers de la somme de celle de la banque, pour de meilleurs prestations. Dans un autre ordre d’idées, les compagnies d’assurance font une enquête complète avant de vous assurer, qui inclut un questionnaire médical, des prises de sang, un test d’urine (possiblement). Il est également concevable que la compagnie communique avec votre médecin traitant. Ainsi, si une compagnie d’assurance accepte de vous assurer, vous êtes donc sûr d’être payé.

Basé au Canada, le site Comparateur d’assurance InfoPrimes permet de comparer comme son nom l’indique les diverses propositions. Ni assureur ni gestionnaire, cette firme fondée en novembre 2008 par Gregory van Duyse et Marc-André Trottier, agit plutôt comme courtier et conseiller, ce qui lui garantit la neutralité. A noter qu’elle propose également des assurances maladies (y compris une assurance sur les maladies graves) et des assurances vies. La plupart des compagnies d’assurances de la Belle Province sont en partenariat avec InfoPrimes : BMO, Croix Bleue, Standard Life, Canada Vie, Empire Vie, Foresters, Humania…

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