{"id":330,"date":"2024-04-05T08:54:09","date_gmt":"2024-04-05T08:54:09","guid":{"rendered":"https:\/\/seren-finance.com\/?p=330"},"modified":"2024-04-08T09:14:06","modified_gmt":"2024-04-08T09:14:06","slug":"what-is-the-borrower-insurance","status":"publish","type":"post","link":"https:\/\/seren-finance.com\/index.php\/2024\/04\/05\/what-is-the-borrower-insurance\/","title":{"rendered":"What is the borrower insurance?"},"content":{"rendered":"

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When you subscribe to a mortgage in France, it is compulsory to subscribe to a borrower insurance (in case of death, working incapacities or disabilities)<\/p>\n

\u00a0Since the 1st<\/sup> of September 2022 and the Loi Lemoine, any borrower who has taken out a borrower insurance contract may terminate his\/her borrower insurance contract at any time and free of charge.<\/strong><\/p>\n

\u00a0Let’s look at an example to better understand: Mr. and Mrs. Dupond borrowed for the acquisition of their main residence, \u20ac250,000 over 20 years in 2021 at an interest rate of 1.5%. At the same time, they took out a loan insurance contract at a rate of 0.5%.<\/p>\n

[\/et_pb_text][et_pb_image src=”https:\/\/seren-finance.com\/wp-content\/uploads\/2024\/04\/Mortagage-insurance-graphic.png” _builder_version=”4.23.2″ _module_preset=”default” title_text=”Mortagage insurance graphic” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_image][et_pb_text _builder_version=”4.23.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

The new borrower insurance contracts are less expensive because the insurance companies refine the risks more so compared to the so-called group contracts, more global of the banking institutions, by proposing a health questionnaire and by requesting, according to the files, additional medical analysis.<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.23.2″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

4 good reasons to terminate your insurance contract and subscribe to a new insurance company:<\/strong><\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.23.2″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

    \n
  1. Reduce your monthly payments by up to 30% to 50% and benefit from savings of up to \u20ac13,500<\/li>\n
  2. Maintain or improve the level of guarantees for your new contract<\/li>\n
  3. Extend the insurance quotas to better protect your partner or spouse<\/li>\n
  4. Be accompanied throughout the whole renewal process<\/li>\n<\/ol>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.23.2″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

    How to benefit from the Lemoine law?<\/strong><\/h3>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.23.2″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

    It is very easy, to save up to 15\u00a0000 \u20ac on your borrower insurance, click here\u00a0<\/p>\n

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    When you subscribe to a mortgage in France, it is compulsory to subscribe to a borrower insurance (in case of death, working incapacities or disabilities) \u00a0Since the 1st of September 2022 and the Loi Lemoine, any borrower who has taken out a borrower insurance contract may terminate his\/her borrower insurance contract at any time and […]<\/p>\n","protected":false},"author":1,"featured_media":120,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1,10],"tags":[],"_links":{"self":[{"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/posts\/330"}],"collection":[{"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/comments?post=330"}],"version-history":[{"count":5,"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/posts\/330\/revisions"}],"predecessor-version":[{"id":351,"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/posts\/330\/revisions\/351"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/media\/120"}],"wp:attachment":[{"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/media?parent=330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/categories?post=330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/seren-finance.com\/index.php\/wp-json\/wp\/v2\/tags?post=330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}