{"id":512,"date":"2022-04-01T00:00:00","date_gmt":"2022-03-31T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2015\/08\/27\/comment-sassurer-en-tant-que-coemprunteurs\/"},"modified":"2022-04-08T13:44:55","modified_gmt":"2022-04-08T11:44:55","slug":"comment-sassurer-en-tant-que-coemprunteurs","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/comment-sassurer-en-tant-que-coemprunteurs\/","title":{"rendered":"Comment s'assurer en tant que coemprunteurs ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Si le pr\u00eat est \u00e9tabli au nom de plusieurs personnes (co-emprunteurs), vous devez pr\u00e9ciser la proportion du capital assur\u00e9 pour chacun : la \"quotit\u00e9 assur\u00e9e\".<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est fr\u00e9quent d'emprunter \u00e0 deux : dans ce cas, vous devez pr\u00e9ciser la proportion du capital assur\u00e9 pour chacun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La quotit\u00e9 assur\u00e9e est g\u00e9n\u00e9ralement exprim\u00e9e en pourcentage :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>soit chacun pour la totalit\u00e9 du capital<\/strong> (x fois 100%). Ainsi, en cas de d\u00e9c\u00e8s de l'un des co-emprunteurs, l'assureur r\u00e9glera la totalit\u00e9 du capital restant d\u00fb,<\/li><li><strong>soit chacun pour une partie du capital<\/strong>. Exemple : si chacun est assur\u00e9 \u00e0 hauteur de 50 %, en cas de d\u00e9c\u00e8s de l'un d'eux, l'assureur paiera la moiti\u00e9 de ce qui reste d\u00fb.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous empruntez avec votre conjoint, il est recommand\u00e9 de vous assurer chacun pour le montant total du pr\u00eat (chacun \u00e0 100%) ou au moins d'assurer \u00e0 100 % celui qui a les revenus les plus importants.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter : \u00e0 compter du 1er juin 2022, l\u2019assureur ne pourra exiger&nbsp;aucune information sur l'\u00e9tat de sant\u00e9 ni aucun examen m\u00e9dical de l'emprunteur lorsque la part assur\u00e9e du contrat de cr\u00e9dit immobilier n'exc\u00e9dera pas 200 000 \u20ac (par emprunteur) et la fin du remboursement du pr\u00eat est pr\u00e9vue avant les 60 ans de l\u2019emprunteur.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>L\u00e9gifrance <a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000045268729\" target=\"_blank\" rel=\"noreferrer noopener\">Loi du 28 f\u00e9vrier 2022 pour un acc\u00e8s plus juste, plus simple et plus transparent au march\u00e9 de l'assurance emprunteur<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:29px\" 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 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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit immobilier<\/span>\n                <\/h3>\n                                <p class=\"card__article\">L&#039;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&#039;al\u00e9as de la vie (d\u00e9c\u00e8s, invalidit\u00e9, (...)<\/p>\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 class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Si le pr\u00eat est \u00e9tabli au nom de plusieurs personnes (co-emprunteurs), vous devez pr\u00e9ciser la proportion du capital assur\u00e9 pour chacun : la \"quotit\u00e9 assur\u00e9e\". Il est fr\u00e9quent d'emprunter \u00e0 deux : dans ce cas, vous devez pr\u00e9ciser la proportion du capital assur\u00e9 pour chacun. La quotit\u00e9 assur\u00e9e est g\u00e9n\u00e9ralement exprim\u00e9e en pourcentage : soit [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6830,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":2837,"viewed_at":"1778463783","newsletter":"0","_yoast_wpseo_primary_category":73,"footnotes":""},"categories":[345,73,52,277,53,346],"tags":[],"class_list":["post-512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lassurance-emprunteur","category-la-souscription-de-lassurance","category-mes-assurances","category-mes-credits","category-pour-mes-credits","category-souscrire-une-assurance-credit"],"yoast_head":"<title>Comment s&#039;assurer en tant que coemprunteurs ? - La souscription de l&#039;assurance - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Si le pr\u00eat est \u00e9tabli au nom de plusieurs personnes (co-emprunteurs), vous devez pr\u00e9ciser la proportion du capital assur\u00e9 pour chacun.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/comment-sassurer-en-tant-que-coemprunteurs\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment s&#039;assurer en tant que coemprunteurs ? - 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