{"id":365,"date":"2025-08-21T15:12:11","date_gmt":"2025-08-21T13:12:11","guid":{"rendered":"https:\/\/arthurpatrimoine.com\/?page_id=365"},"modified":"2025-08-22T11:38:41","modified_gmt":"2025-08-22T09:38:41","slug":"renegociation-assurance-emprunteur","status":"publish","type":"page","link":"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/","title":{"rendered":"Ren\u00e9gocier son assurance emprunteur"},"content":{"rendered":"\t\t
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Qu\u2019est-ce qu\u2019une assurance emprunteur ?<\/h2>\n

\nQuand vous souscrivez un cr\u00e9dit immobilier, la banque vous demande presque toujours une \nassurance emprunteur.
\nSon r\u00f4le ?<\/strong> Prot\u00e9ger votre pr\u00eat en cas de coup dur (maladie, accident, invalidit\u00e9, d\u00e9c\u00e8s).
\nConcr\u00e8tement, si vous ne pouvez plus rembourser, l\u2019assurance prend le relais. \nC\u2019est une s\u00e9curit\u00e9 indispensable pour vous et pour l\u2019organisme pr\u00eateur.\n<\/p>\n

\n\u00c0 savoir :<\/em> l\u2019assurance emprunteur peut repr\u00e9senter jusqu\u2019\u00e0 un tiers du co\u00fbt total de votre \ncr\u00e9dit. Il est donc essentiel de bien la choisir !\n<\/p>\n\n

Pourquoi ren\u00e9gocier son assurance de pr\u00eat immobilier ?<\/h2>\n

\nLa plupart des emprunteurs gardent l\u2019assurance propos\u00e9e par leur banque\u2026 et paient \nsouvent beaucoup trop cher.
\nRen\u00e9gocier son contrat, c\u2019est :<\/strong>\n<\/p>\n

    \n
  • R\u00e9duire consid\u00e9rablement vos mensualit\u00e9s et \u00e9conomiser plusieurs milliers d\u2019euros.<\/li>\n
  • Adapter vos garanties \u00e0 votre situation actuelle (emploi, sant\u00e9, activit\u00e9s).<\/li>\n
  • Profiter de la libert\u00e9 de choix gr\u00e2ce aux lois Lagarde, Hamon et Lemoine, qui vous permettent de changer quand vous le souhaitez.<\/li>\n<\/ul>\n

    \nUn contrat mieux n\u00e9goci\u00e9, c\u2019est plus d\u2019\u00e9conomies et plus de protection adapt\u00e9e \u00e0 votre profil.\n<\/p>\n\n

    Quand ren\u00e9gocier son assurance de pr\u00eat ?<\/h2>\n

    \nDepuis la loi Lemoine (2022), vous pouvez changer d\u2019assurance emprunteur \u00e0 tout moment, sans frais et sans justificatif.
    \nLes meilleurs moments pour agir :<\/strong>\n<\/p>\n

      \n
    • D\u00e8s les premi\u00e8res ann\u00e9es du pr\u00eat (c\u2019est l\u00e0 que l\u2019assurance p\u00e8se le plus).<\/li>\n
    • Quand votre situation s\u2019am\u00e9liore (meilleure sant\u00e9, changement de profession, arr\u00eat d\u2019un sport \u00e0 risque).<\/li>\n
    • D\u00e8s que vous trouvez une offre plus comp\u00e9titive.<\/li>\n<\/ul>\n

      \nAstuce :<\/em> plus vous ren\u00e9gociez t\u00f4t, plus les \u00e9conomies sont importantes sur la dur\u00e9e de votre cr\u00e9dit.\n<\/p>\n\n

      Faites-vous accompagner par un expert<\/h2>\n

      \nRen\u00e9gocier seul peut \u00eatre long et complexe. En tant que gestionnaire de patrimoine, je vous aide \u00e0 :\n<\/p>\n

        \n
      • Comparer les meilleures offres du march\u00e9.<\/li>\n
      • V\u00e9rifier l\u2019\u00e9quivalence des garanties pour que la banque accepte le changement.<\/li>\n
      • G\u00e9rer toutes les d\u00e9marches administratives \u00e0 votre place.<\/li>\n<\/ul>\n

        \nContactez-moi d\u00e8s aujourd\u2019hui<\/strong> pour une \u00e9tude gratuite de votre assurance emprunteur et \nd\u00e9couvrez combien vous pouvez \u00e9conomiser.\n<\/p>\n\n\n

        Exemple concret :<\/h3>\n

        \n \nUn couple emprunte 200 000 \u20ac sur 20 ans.

        \nAssurance bancaire :<\/strong> 0,36 % \u2192 co\u00fbt total environ 14 400 \u20ac.
        \nAssurance individuelle d\u00e9l\u00e9gu\u00e9e :<\/strong> 0,12 % \u2192 co\u00fbt total environ 4 800 \u20ac.

        \n\u00c9conomie :<\/strong> pr\u00e8s de 10 000 \u20ac sur la dur\u00e9e du pr\u00eat.\n<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

        Qu\u2019est-ce qu\u2019une assurance emprunteur ? Quand vous souscrivez un cr\u00e9dit immobilier, la banque vous demande presque toujours une assurance emprunteur. Son r\u00f4le ? Prot\u00e9ger votre pr\u00eat en cas de coup dur (maladie, accident, invalidit\u00e9, d\u00e9c\u00e8s). Concr\u00e8tement, si vous ne pouvez plus rembourser, l\u2019assurance prend le relais. C\u2019est une s\u00e9curit\u00e9 indispensable pour vous et pour l\u2019organisme […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"saved_in_kubio":false,"footnotes":""},"class_list":["post-365","page","type-page","status-publish","hentry","entry"],"kubio_ai_page_context":{"short_desc":"","purpose":"general"},"yoast_head":"\nRen\u00e9gocier son assurance emprunteur Arthur Patrimoine<\/title>\n<meta name=\"description\" content=\"Ren\u00e9gociez votre assurance emprunteur, r\u00e9duisez vos mensualit\u00e9s et \u00e9conomisez jusqu\u2019\u00e0 20 000 \u20ac gr\u00e2ce \u00e0 la loi Lemoine.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ren\u00e9gocier son assurance emprunteur Arthur Patrimoine\" \/>\n<meta property=\"og:description\" content=\"Ren\u00e9gociez votre assurance emprunteur, r\u00e9duisez vos mensualit\u00e9s et \u00e9conomisez jusqu\u2019\u00e0 20 000 \u20ac gr\u00e2ce \u00e0 la loi Lemoine.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/\" \/>\n<meta property=\"og:site_name\" content=\"Arthur Patrimoine\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-22T09:38:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/arthurpatrimoine.com\/wp-content\/uploads\/2024\/11\/Dijon-patrimoine-fontaine-scaled-e1731934125848.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/\",\"url\":\"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/\",\"name\":\"Ren\u00e9gocier son assurance emprunteur Arthur Patrimoine\",\"isPartOf\":{\"@id\":\"https:\/\/arthurpatrimoine.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/arthurpatrimoine.com\/wp-content\/uploads\/2024\/11\/Dijon-patrimoine-fontaine-scaled-e1731934125848.jpg\",\"datePublished\":\"2025-08-21T13:12:11+00:00\",\"dateModified\":\"2025-08-22T09:38:41+00:00\",\"description\":\"Ren\u00e9gociez votre assurance emprunteur, r\u00e9duisez vos mensualit\u00e9s et \u00e9conomisez jusqu\u2019\u00e0 20 000 \u20ac gr\u00e2ce \u00e0 la loi Lemoine.\",\"breadcrumb\":{\"@id\":\"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/arthurpatrimoine.com\/index.php\/renegociation-assurance-emprunteur\/#primaryimage\",\"url\":\"https:\/\/arthurpatrimoine.com\/wp-content\/uploads\/2024\/11\/Dijon-patrimoine-fontaine-scaled-e1731934125848.jpg\",\"contentUrl\":\"https:\/\/arthurpatrimoine.com\/wp-content\/uploads\/2024\/11\/Dijon-patrimoine-fontaine-scaled-e1731934125848.jpg\",\"width\":2560,\"height\":832,\"caption\":\"Fontaine Darcy. 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