{"id":95,"date":"2026-01-26T00:00:00","date_gmt":"2026-01-25T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/08\/31\/la-convention-aeras\/"},"modified":"2026-10-08T10:41:36","modified_gmt":"2026-10-08T08:41:36","slug":"convention-aeras","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/convention-aeras\/","title":{"rendered":"La convention AERAS"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">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 pour votre cr\u00e9dit, un dispositif se met en place automatiquement pour vous trouver une solution, malgr\u00e9 vos probl\u00e8mes de sant\u00e9. Il repose sur la convention AERAS, un texte sign\u00e9 par les professionnels des secteurs concern\u00e9s (assureurs, banques) et les associations de malades et de handicap\u00e9s, de consommateurs et les pouvoirs publics.<\/h2>\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 is-resized\"><img loading=\"lazy\" decoding=\"async\" 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\/2024\/10\/Vignette-guide-AERAS-2.png\" alt=\"\" class=\"wp-image-32164\" width=\"283\" height=\"398\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/10\/Vignette-guide-AERAS-2.png 565w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/10\/Vignette-guide-AERAS-2-213x300.png 213w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/10\/Vignette-guide-AERAS-2-57x80.png 57w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/10\/Vignette-guide-AERAS-2-334x470.png 334w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/10\/Vignette-guide-AERAS-2-177x250.png 177w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/10\/Vignette-guide-AERAS-2-35x50.png 35w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/10\/Vignette-guide-AERAS-2-550x775.png 550w\" sizes=\"auto, (max-width: 283px) 100vw, 283px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Guide-convention-AERAS-2026<\/p><p class=\"postAttachment__fileSize\">134,8 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;Guide-convention-AERAS-2026&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Guide-convention-AERAS-2026\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/01\/Guide-convention-AERAS-2026.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Guide-convention-AERAS-2026<\/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\">Qui est concern\u00e9 par la convention AERAS ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tout candidat \u00e0 l\u2019<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/\" target=\"_blank\" rel=\"noreferrer noopener\">assurance emprunteur<\/a> re\u00e7oit un <strong>document d\u2019information<\/strong> qui d\u00e9taille et explique les principales dispositions de la convention AERAS. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous \u00eates concern\u00e9 si vous : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>souscrivez un <strong><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-credit-affecte\/\" target=\"_blank\" rel=\"noreferrer noopener\">cr\u00e9dit \u00e0 la consommation affect\u00e9<\/a><\/strong> ou un <strong><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/category\/mes-credits\/le-credit-immobilier\/\" target=\"_blank\" rel=\"noreferrer noopener\">cr\u00e9dit immobilier<\/a> ou professionnel<\/strong> (pr\u00eats pour l\u2019acquisition de locaux, et\/ou de mat\u00e9riels) ; <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>et votre <strong>\u00e9tat de sant\u00e9 <\/strong>ou <strong>handicap<\/strong> (actuel ou pass\u00e9) pourrait vous emp\u00eacher d\u2019obtenir une <strong>assurance \u00e0 des conditions standard<\/strong> (c\u2019est-\u00e0-dire sans majoration de tarif ou exclusion de garanties).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment mes informations de sant\u00e9 sont-elles recueillies ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lors de votre demande d\u2019assurance emprunteur, vous devrez peut-\u00eatre r\u00e9pondre \u00e0 un <strong>questionnaire de sant\u00e9<\/strong>. Cependant, l\u2019assureur ne peut pas exiger d\u2019information sur votre \u00e9tat de sant\u00e9 ni aucun examen m\u00e9dical si : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la partie assur\u00e9e du montant cumul\u00e9 de vos contrats de cr\u00e9dit immobilier n\u2019exc\u00e8de pas 200 000 \u20ac (par assur\u00e9) ; <\/li><li>et la fin de remboursement du pr\u00eat est pr\u00e9vue avant vos 60 ans. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En dehors de ces cas, r\u00e9pondez au questionnaire de sant\u00e9 avec sinc\u00e9rit\u00e9, de fa\u00e7on pr\u00e9cise et exacte. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Vos r\u00e9ponses sont confidentielles<\/strong>. Seul le service m\u00e9dical de l\u2019assurance prend connaissance de votre questionnaire de sant\u00e9. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En fonction de vos r\u00e9ponses et\/ou du montant \u00e0 assurer, l\u2019assureur pourra vous demander de remplir d\u2019autres <strong>questionnaires sp\u00e9cifiques<\/strong> et\/ou de r\u00e9aliser des <strong>examens m\u00e9dicaux<\/strong>. Leur co\u00fbt est g\u00e9n\u00e9ralement pris en charge par la compagnie d\u2019assurance. <\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">ATTENTION : En cas de fausse d\u00e9claration intentionnelle, l\u2019assureur pourra opposer la nullit\u00e9 du contrat d\u2019assurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">En quoi consiste le droit \u00e0 l'oubli ? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La Convention AERAS a instaur\u00e9 un <strong>droit \u00e0 l\u2019oubli pour les anciens malades du cancer et l\u2019h\u00e9patite virale C. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, vous n\u2019avez pas \u00e0 d\u00e9clarer vos informations m\u00e9dicales relatives \u00e0 ces pathologies si : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>votre protocole th\u00e9rapeutique est achev\u00e9 depuis plus de 5 ans ; <\/li><li>aucune rechute n\u2019est constat\u00e9e. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce droit \u00e0 l\u2019oubli s\u2019applique sans condition de montant maximum \u00e0 assurer, pour toute demande d\u2019assurance relative \u00e0 un cr\u00e9dit : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>immobilier ; <\/li><li>ou professionnel (locaux et\/ou mat\u00e9riels) ; <\/li><li>ou \u00e0 la consommation affect\u00e9 ; <\/li><li>et dont l\u2019\u00e9ch\u00e9ance du contrat d\u2019assurance intervient avant le 71\u00e8me anniversaire de l\u2019emprunteur.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lire la suite du guide \"La convention AERAS\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Qui peut b\u00e9n\u00e9ficier de ce dispositif ?<\/li><li>Comment sont recueillies mes informations de sant\u00e9 ?<\/li><li>En quoi consiste le droit \u00e0 l\u2019oubli ?<\/li><li>Et pour les autres cas et autres pathologies ?<\/li><li>Comment se d\u00e9roule l\u2019analyse de mon dossier ?<\/li><li>Quelle assurance peut \u00eatre propos\u00e9e ?<\/li><li>Et si l\u2019assurance co\u00fbte trop cher ?<\/li><li>Combien de temps prend le traitement de mon dossier ?<\/li><li>Quels sont les d\u00e9lais de r\u00e9ponse pour mon dossier d\u2019assurance ?<\/li><li>Que faire si aucune assurance n\u2019est possible ?<\/li><li>Qu\u2019en est-il pour les cr\u00e9dits \u00e0 la consommation ?<\/li><li>En cas de d\u00e9saccord ou de difficult\u00e9 ?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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\/00202470581be080ae591\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\"><strong>Vous \u00eates travailleur social ? <\/strong>Nous vous proposons ce flyer (\u00e0 imprimer par vos soins) pour remettre aux publics que vous accompagnez. Il pr\u00e9sente rapidement le sujet et contient un QR code permettant d'aller consulter le guide en ligne.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">FLYER-AERAS-2026<\/p><p class=\"postAttachment__fileSize\">499,8 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;FLYER-AERAS-2026&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"FLYER-AERAS-2026\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/01\/FLYER-AERAS-2026.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger FLYER-AERAS-2026<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/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                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\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 class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" 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class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Malgr\u00e9 un probl\u00e8me de sant\u00e9<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le dispositif AERAS pour un cr\u00e9dit immobilier ou professionnel<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Pour les pr\u00eats immobiliers et professionnels,\u00a0la Convention AERAS pr\u00e9voit\u00a0un examen approfondi et\u00a0syst\u00e9matique\u00a0de votre demande d\u2019assurance. Le dispositif est diff\u00e9rent selon (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" 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;:268,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/quelle-solution-si-lassurance-est-tres-chere-ou-impossible\/&quot;,&quot;title&quot;:&quot;Quelle solution si l\\u0027assurance est trop ch\u00e8re ou impossible ?&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:2}\"\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=\"268\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/quelle-solution-si-lassurance-est-tres-chere-ou-impossible\/\"\n         data-title=\"Quelle solution si l&#039;assurance est trop ch\u00e8re ou impossible ?\">\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    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/quelle-solution-si-lassurance-est-tres-chere-ou-impossible\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Malgr\u00e9 un probl\u00e8me de sant\u00e9<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Quelle solution si l&#039;assurance est trop ch\u00e8re ou impossible ?<\/span>\n                <\/h3>\n                                <p class=\"card__article\">En cas de difficult\u00e9s, des solutions alternatives peuvent \u00eatre accept\u00e9es. Vous pourrez demander dans certains cas la prise en charge des surprimes si l&#039;assureur vous en applique (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" 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;:350,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/aeras-informations-litige\/&quot;,&quot;title&quot;:&quot;AERAS :  informations et litige&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:4}\"\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=\"350\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/aeras-informations-litige\/\"\n         data-title=\"AERAS :  informations et litige\">\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    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/aeras-informations-litige\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Malgr\u00e9 un probl\u00e8me de sant\u00e9<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">AERAS :  informations et litige<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Ne restez pas seul avec vos interrogations ou si vous pensez que le dispositif n&#039;est pas correctement appliqu\u00e9. De nombreux interlocuteurs pour vous renseigner Vous pouvez (...)<\/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\" 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  <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Acheter un logement est un projet important. Le cr\u00e9dit immobilier est g\u00e9n\u00e9ralement incontournable pour le financer, en tout ou partie. Il permet de rembourser les sommes...<\/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;:176,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-a-taux-zero-ptz\/&quot;,&quot;title&quot;:&quot;Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ)&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:26}\"\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=\"176\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-a-taux-zero-ptz\/\"\n         data-title=\"Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ)\">\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\">3 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 Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ)\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-a-taux-zero-ptz\/\">\n                Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ)            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Vous n&#039;\u00eates pas propri\u00e9taire de votre logement et souhaitez acheter ou faire construire votre r\u00e9sidence principale ? Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) peut utilement compl\u00e9ter votre...<\/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;:509,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/&quot;,&quot;title&quot;:&quot;Assurance emprunteur - M\\u0027assurer pour mon cr\u00e9dit immobilier&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:61}\"\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=\"509\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/\"\n         data-title=\"Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit 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=\"Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit immobilier\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-emprunteur-assurer-mon-credit-immobilier\/\">\n                Assurance emprunteur - M&#039;assurer pour mon cr\u00e9dit immobilier            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">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    <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: #ffbb48\">\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","protected":false},"excerpt":{"rendered":"<p>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 pour votre cr\u00e9dit, un dispositif se met en place automatiquement pour vous trouver une solution, malgr\u00e9 vos probl\u00e8mes de sant\u00e9. Il repose sur la convention AERAS, un texte sign\u00e9 [&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":55,"views":29116,"viewed_at":"1778492789","newsletter":"0","_yoast_wpseo_primary_category":6,"footnotes":""},"categories":[23,6,4],"tags":[],"class_list":["post-95","post","type-post","status-publish","format-standard","hentry","category-credit","category-guides-bancaires","category-boite-a-outils"],"yoast_head":"<title>La convention AERAS - Guides bancaires - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"La Convention AERAS vise \u00e0 faciliter l&#039;acc\u00e8s \u00e0 l&#039;assurance et au cr\u00e9dit des personnes pr\u00e9sentant un risque aggrav\u00e9 de sant\u00e9.\" \/>\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\/convention-aeras\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La convention AERAS - 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