Who says real estate credit says borrower insurance. If the law does not impose it, it is generally required by the bank, at least for the purchase of a principal residence. It can weigh heavily in the cost of the loan but protects the borrower and his family in the event of a serious accident in life.
For potential purchasers affected by the disease, access to this insurance, and therefore to credit, has so far remained complex, despite the progress made in recent years. Even if the situation varies greatly from one case to another, these borrowers still often suffer from heavy surcharges and/or exclusions from cover. In short: they pay more for less coverage.
However, the situation is about to change. Because ensuring that people suffering from a chronic pathology or who have suffered from a serious illness are treated like others by the insurer was one of the objectives of the law “for fairer, simpler and more transparent to the borrower insurance market”, known as the “Lemoine law”, named after the deputy for Seine-et-Marne Patricia Lemoine (Agir).
Entry into force on 1is June
Adopted on February 28, it sounded like a big bang in the world of borrower insurance by signing the end of the health questionnaire for certain credits. Since 1is June, the date of entry into force of this measure, the insurer can no longer ask you for information relating to your “state of health or any medical examination” for home loans of up to 200,000 euros (it is the insured part that counts, “on the cumulative outstanding balance of credit agreements”), if the loan ends before you turn 60.
This law also made it possible to extend, from March 2, the benefit of the right to be forgotten: a person who has had cancer no longer has to declare it to the insurer if the therapeutic protocol has been completed at least five years previously (against ten years previously for cancers occurring after 21 years).
Another novelty, viral hepatitis C is now covered by this right. The condition to benefit from it remains the same: to be under 71 years old at the end of the loan (you can therefore still borrow in this context over twenty years to 50 years). There is no limit on the amount and this right also applies to an affected or professional consumer loan (to buy premises or equipment).
“We will of course be vigilant on the terms of application, but these are gigantic steps for patients and former patients”rejoices the League against cancer, by the voice of Mehdi Aslam, coordinator of Aidea, the support service for borrowers of the association.
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