If Sonia does not want to show her face and remain anonymous, it is because to obtain her mortgage, she had to lie to her bank and hide her severe kidney failure during the traditional health questionnaire: “I do not specify that I am on dialysis, so I say I have a little problem with hypertension, that’s all “. Because before that, Sonia, 52, had been refused by several banks her credit applications: “They say they prefer not to get involved because it is a chronic disease”. Cascading refusals, which she experienced very badly:
“It’s not because I had a money problem, I didn’t have any. For me it was an injustice. All my life I have to carry this disease, and every time I ask for something I am told no because there is this disease “, denounces Sonia.
What about other banks?
But a small revolution in the banking sector this week, Crédit Mutuel announced the abolition of the famous health questionnaire. Cancer patients, or people with chronic illness like Sonia will therefore now be able to borrow freely, or without having to borrow at higher rates due to an additional insurance premium. A news that delights Sonia as well as Jean-Yves Mano, president of the consumer association “Consumption, housing and living environment (CLCV)”: “It’s a small revolution. Let us hope that all banking groups can follow this extremely positive approach for the customers concerned.”
However, the system remains subject to conditions: it only concerns the purchase of the main residence and only for customers for more than 7 years at Crédit Mutuel. However, they must not be over 62 years old when subscribing and the credit will be capped at 500,000 euros per borrower. Today, only former cancer patients benefit from a “right to be forgotten” from banks.
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