{"id":509,"date":"2023-01-20T00:00:00","date_gmt":"2023-01-19T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2015\/08\/31\/assurer-mon-credit-immobilier\/"},"modified":"2025-08-20T17:19:19","modified_gmt":"2025-08-20T15:19:19","slug":"assurance-emprunteur-assurer-mon-credit-immobilier","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/","title":{"rendered":"Assurance emprunteur - M'assurer pour mon cr\u00e9dit immobilier"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\"><strong>L'assurance emprunteur est un \u00e9l\u00e9ment important du cr\u00e9dit immobilier. Elle vous prot\u00e8ge, vous et votre famille ainsi que la banque en cas d'al\u00e9as de la vie (d\u00e9c\u00e8s, invalidit\u00e9, incapacit\u00e9 et\/ou perte de travail). Ce mini-guide aborde de nombreuses questions : Pourquoi s'assurer ? Aupr\u00e8s de qui ? Quel type d'assurance choisir ? \u2026<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"192\" height=\"254\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-ADE.jpg\" alt=\"\" class=\"wp-image-16168\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-ADE.jpg 192w, https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-ADE-60x80.jpg 60w, https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-ADE-189x250.jpg 189w, https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/01\/Vignette-MG-ADE-38x50.jpg 38w\" sizes=\"auto, (max-width: 192px) 100vw, 192px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Mini-Guide : Assurer mon cr\u00e9dit immobilier<\/p><p class=\"postAttachment__fileSize\">188,3 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Mini-Guide : Assurer mon cr\u00e9dit immobilier&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Mini-Guide : Assurer mon cr\u00e9dit immobilier\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2015\/08\/Assurer-mon-credit-immobilier.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Mini-Guide : Assurer mon cr\u00e9dit immobilier<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">Pourquoi souscrire une assurance emprunteur ? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance emprunteur vous prot\u00e8ge, vous et votre famille. Elle est <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/lassurance-emprunteur-pourquoi-et-quand-la-souscrire\/\" target=\"_blank\" rel=\"noreferrer noopener\">indispensable <\/a>pour la s\u00e9curit\u00e9 de votre conjoint, des co-emprunteurs, de vos enfants ou de vos ayants droit. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En fonction du risque couvert (<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/les-demarches-en-cas-de-deces\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9c\u00e8s<\/a>, incapacit\u00e9, invalidit\u00e9, <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/perte-demploi-les-assurances-et-les-aides\/\" target=\"_blank\" rel=\"noreferrer noopener\">perte d\u2019emploi<\/a>\u2026) et du contrat souscrit, <strong>l\u2019assurance peut prendre en charge le remboursement total ou partiel de votre pr\u00eat si le risque couvert se r\u00e9alise.<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela vous permet de continuer la r\u00e9alisation de votre <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/jachete-bien-immobilier\/\" target=\"_blank\" rel=\"noreferrer noopener\">projet immobilier<\/a> sans aller jusqu\u2019\u00e0 la mise en \u0153uvre des garanties, telles que le cautionnement ou l\u2019hypoth\u00e8que, qui pourrait conduire \u00e0 la vente de votre bien.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c0 partir de quand rechercher mon assurance emprunteur ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9aliser en toute s\u00e9r\u00e9nit\u00e9 votre projet immobilier, <strong>anticipez la recherche de votre assurance emprunteur<\/strong>, sans attendre l\u2019acceptation de votre pr\u00eat. Vous devez juste conna\u00eetre le montant \u00e0 emprunter, la dur\u00e9e et le taux du cr\u00e9dit qui peuvent vous \u00eatre propos\u00e9s. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela vous permet de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>mettre en concurrence plusieurs contrats d\u2019assurance en comparant les offres (garanties, prestations, tarifs\u2026) ;<\/li><li>gagner du temps si vous devez r\u00e9pondre \u00e0 des questionnaires de sant\u00e9 d\u00e9taill\u00e9s et effectuer des examens m\u00e9dicaux suppl\u00e9mentaires ;<\/li><li>savoir \u00e0 l\u2019avance si vous \u00eates assurable et \u00e0 quelles conditions : niveau de couverture, exclusions, tarif standard ou sp\u00e9cifique\u2026 ;<\/li><li>envisager des solutions alternatives (caution personnelle, hypoth\u00e8que sur un autre bien, nantissement d\u2019un portefeuille de valeurs mobili\u00e8res, etc.) si l\u2019assurance \u00e9tait refus\u00e9e.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment d\u00e9terminer l\u2019assurance qu\u2019il me faut ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Une fiche standardis\u00e9e d\u2019information (FSI) est syst\u00e9matiquement remise \u00e0 l\u2019emprunteur<\/strong> et co-emprunteur immobilier par le professionnel qui propose un contrat d\u2019assurance (banquier, assureur, courtier\u2026). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est l\u2019un des 1ers documents que vous recevez lors d\u2019une simulation ou d\u2019une demande d\u2019assurance pour un cr\u00e9dit immobilier. Elle pr\u00e9sente les garanties propos\u00e9es ainsi qu\u2019un exemple personnalis\u00e9 de son co\u00fbt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Elle contient les principales caract\u00e9ristiques de l\u2019assurance<\/strong> ayant pour objet de garantir le remboursement du pr\u00eat immobilier dont notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>les garanties minimales exig\u00e9es par le pr\u00eateur pour appr\u00e9cier l\u2019\u00e9quivalence des niveaux de garanties entre les contrats ;<\/li><li>les garanties propos\u00e9es ;<\/li><li>la part du capital emprunt\u00e9 \u00e0 couvrir ainsi qu\u2019une estimation personnalis\u00e9e du co\u00fbt de l\u2019assurance envisag\u00e9e.<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez ainsi mieux cibler votre demande aupr\u00e8s de diff\u00e9rentes soci\u00e9t\u00e9s d\u2019assurance et facilement comparer les offres.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lire la suite du guide \"M'assurer pour mon cr\u00e9dit immobilier\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>La banque peut-elle refuser l\u2019assurance que je propose ?<\/li><li>Pourrai-je changer d\u2019assureur en cours de contrat ?<\/li><li>Quelles informations dois-je donner ?<\/li><li>Mes informations sont-elles confidentielles ? <\/li><li>Que faire en cas de risque de sant\u00e9 aggrav\u00e9 ? <\/li><li>Quels points v\u00e9rifier dans la proposition d\u2019assurance ?<\/li><li>Suis-je inform\u00e9 de la d\u00e9cision de l\u2019assureur ?<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/fr.calameo.com\/read\/0020247058144cca8fddb\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Autres guides                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Autres guides<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"publications\"><div 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class=\"publication__extract\">Vous souhaitez souscrire un cr\u00e9dit mais vous craignez que votre \u00e9tat ou vos ant\u00e9c\u00e9dents de sant\u00e9 vous emp\u00eachent d\u2019obtenir l\u2019assurance ? Lors d\u2019une demande d\u2019assurance emprunteur...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #1fc3b5\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:691,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/&quot;,&quot;title&quot;:&quot;Le co\u00fbt d\\u0027un cr\u00e9dit&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:23}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"691\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/\"\n         data-title=\"Le co\u00fbt d&#039;un cr\u00e9dit\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le co\u00fbt d&#039;un cr\u00e9dit\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cout-dun-credit\/\">\n                Le co\u00fbt d&#039;un cr\u00e9dit            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Vous souhaitez savoir combien votre cr\u00e9dit va vous co\u00fbter. Il varie en fonction du type de cr\u00e9dit choisi, du montant emprunt\u00e9, de sa dur\u00e9e et du taux d&#039;int\u00e9r\u00eat. Le taux d&#039;int\u00e9r\u00eat...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:57,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-relais-immobilier\/&quot;,&quot;title&quot;:&quot;Le cr\u00e9dit relais immobilier&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:29}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"57\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-relais-immobilier\/\"\n         data-title=\"Le cr\u00e9dit relais immobilier\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le cr\u00e9dit relais immobilier\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-relais-immobilier\/\">\n                Le cr\u00e9dit relais immobilier            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Vous avez l&#039;intention d&#039;acheter un bien immobilier et de le payer en partie en vendant un logement que vous poss\u00e9dez ? Il n&#039;est pas toujours possible de faire co\u00efncider les...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #1fc3b5\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:376,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-endettement\/&quot;,&quot;title&quot;:&quot;Ma\u00eetriser mon endettement&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:79}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"376\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-endettement\/\"\n         data-title=\"Ma\u00eetriser mon endettement\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">4 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Ma\u00eetriser mon endettement\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-endettement\/\">\n                Ma\u00eetriser mon endettement            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Conna\u00eetre son endettement permet de conna\u00eetre le montant qu&#039;on peut emprunter mais aussi \u00e9pargner. Ce mini-guide vous pr\u00e9sente les diff\u00e9rentes approches qui permettent d&#039;affiner...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg 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src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/06\/taux-credit-immo.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le co\u00fbt d&#039;un cr\u00e9dit<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Cr\u00e9dit immobilier : quel taux en 2026 pour votre projet ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     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immobilier<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:762,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/credit-immobilier\/&quot;,&quot;title&quot;:&quot;Cr\u00e9dit immobilier : comprendre, comparer et r\u00e9ussir son pr\u00eat&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_BD-150x150.jpg&quot;,&quot;likes&quot;:11}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" 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                <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/pret-immo-2-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les diff\u00e9rents types de cr\u00e9dit...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Cr\u00e9dit immobilier : comprendre, comparer et r\u00e9ussir son pr\u00eat<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span 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Elle vous prot\u00e8ge, vous et votre famille ainsi que la banque en cas d'al\u00e9as de la vie (d\u00e9c\u00e8s, invalidit\u00e9, incapacit\u00e9 et\/ou perte de travail). Ce mini-guide aborde de nombreuses questions : Pourquoi s'assurer ? Aupr\u00e8s de qui ? Quel type d'assurance choisir ? \u2026 Pourquoi souscrire [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":61,"views":10737,"viewed_at":"1778483376","newsletter":"0","_yoast_wpseo_primary_category":6,"footnotes":""},"categories":[23,6,4],"tags":[],"class_list":["post-509","post","type-post","status-publish","format-standard","hentry","category-credit","category-guides-bancaires","category-boite-a-outils"],"yoast_head":"<title>Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit immobilier<\/title>\n<meta name=\"description\" content=\"L&#039;assurance emprunteur est un \u00e9l\u00e9ment important du cr\u00e9dit immobilier. 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