Soon the end of the medical questionnaire for loans of less than 200,000 euros and a right to be forgotten that goes from 10 to 5 years for the sick? Parliament adopts a bill on motor insurance. But under what conditions?
LAST MINUTE OF JUNE 1, 2022
June 1, 2022, start! Access to a home loan for former cancer or hepatitis C patients becomes less discriminatory, the right to be forgotten thus drops from ten years to five years. Five years after their recovery, these ex-patients could therefore obtain a mortgage under the same conditions as all the loans, without indicating their medical history. This provision will be extended to other chronic diseases, such as diabetes, at the latest on July 31, 2022. person (read the conditions in detail below).
ORIGINAL ARTICLE OF FEBRUARY 4, 2022
A” historical advance » for all the people who have had a health problem who want to take out a mortgage, but who are prevented by the drastic conditions of the loan insurance? In the future, no medical questionnaire will be required to obtain insurance for loans under 200,000 euros. Deputies and senators, gathered in a joint mixed commission (CMP), agreed, with the support of the majority but against the opinion of the government, on this measure on February 3, 2022 in the framework of a bill supported by Deputy Patricia Lemoine. (Ensemble Agir, Seine-et-Marne) which aims, globally ” a fairer, simpler and more transparent access to the borrower insurance market”. Its conclusions were unanimously approved on February 10 by the National Assembly and then on February 17 by the Senate.
For a loan repaid before 60 years
But be careful, this measure assumes certain conditions, in particular “Being under 60 years old “. And, here again, watch out because many media suggest that this is the age limit when you “subscribe” to the insurance; in reality, the loan must be “repaid” before this age. This implies being under 35 years when you take a loan of 25 years or 40 years for a loan of 20 years. If the association Vaincre la mucoviscidosis, which has been fighting in this direction alongside patients for many years, welcomes the ” end medical discrimination” is a ” victory “, must be qualified remembering that many pathologies are declared after the quarantine.” The scenario taken into account in our invoice still represents almost 50% of the borrowers’ contracts “, justifies the signature of Patricia Lemoine.
200,000 euros for a single person
Another precision, the amount of 200,000 is worth the single person; therefore, if you borrow as a couple, your purchase envelope can be much higher, for example 400,000 euros if the loan insurance applies equally to each “head”, plus s he member of the couple who is not affected by the disease wants to ensure a higher. share ” For people who borrow on their own, and even if the threshold of 200,000 euros could prove to be insufficient in some regions, notably in Ile-de-France, this sum corresponds to the average borrowed by the French for the acquisition of a building in 2021 “, supports the signature of Patricia Lemoine. Can things change in the future? LThe entry into force of this measure is scheduled for June 1, 2022 to give professionals time to adapt. A magazine must be carried out in two years, with the possibility for the government to change both the ceiling of the amounts and the age, according to the cabinet of the deputy.
AERAS convention to review!
For amounts of more than 200,000 euros, the medical questionnaire remains in force. People who have difficulty getting insurance due to a health problem can apply via AERAS (Insurance and Loan with an Aggravated Health Risk). However, the restrictive conditions of this agreement allow few patients to benefit from it, deplore Vaincre la mucoviscidosis. The next step, foreseen in the bill, requires its signatories to enter into negotiations to make this system more flexible, in particular by sagreeing to an increase in the ceiling of the loan that can be submitted, currently set at 320,000 euros.
The right to be forgotten from 10 to 5 years
Another important measure concerns the “right to be forgotten”, which now allows ex-patients with two serious pathologies (cancer or hepatitis C) to no longer have to declare to their insurer ten years after the end of his therapeutic protocol for adults. five years later for patients diagnosed up to the age of 21. With this new text, the period increases to five years for everyone, regardless of age, as Emmanuel Macron committed during his 2017 campaign. crucial for the personal reconstruction of patients in remission”, welcomes the LREM group in a press release. And for others? The negotiations with the aforementioned AERAS partners should also allow discussing an extension to a greater number of pathologies. In the absence of progress between the actors, the government will have the possibility to take measures by decree in the Council of State, no later than July 31, 2022.
Other sizes for everyone
Other measures, open to all, appear in the text adopted in CPM, such as the possibility of terminating the loan insurance contract. In the future, all French borrowers will be able to get rid of their “real estate” loan insurance by playing the competition and thus regaining some purchasing power. For the moment, families can only change during the first year of subscription and on each anniversary date of the contract. They can soon do so whenever they want. This new provision must enter into force from June 1, 2022 for new contracts and from September 1 for those already signed. Finally, this text strengthens the information of consumers about their rights and increases the penalties for banks and insurance that do not play the game.
The bill must now be definitively validated by the National Assembly on February 10 and by the Senate on February 17. As long as he has the support of the government, the majority LREM and LR, this should not be a problem. Then we have to wait for its promulgation in the Official Gazette.
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