{"id":369,"date":"2014-11-01T17:23:31","date_gmt":"2014-11-01T16:23:31","guid":{"rendered":"http:\/\/bestfinance.ch\/?p=369"},"modified":"2021-03-15T14:20:23","modified_gmt":"2021-03-15T13:20:23","slug":"ai-je-besoin-dune-assurance-mensualites-pour-mon-credit","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/brauche-ich-eine-raten-versicherung-fuer-meinen-kredit\/","title":{"rendered":"AI-JE BESOIN D\u2019UNE ASSURANCE MENSUALIT\u00c9S POUR MON CR\u00c9DIT?"},"content":{"rendered":"<p>Si vous vous retrouvez au ch\u00f4mage sans que cela soit de votre faute ou si vous \u00eates totalement incapable de travailler en raison d'une maladie ou d'un accident, vous pouvez vous retrouver en difficult\u00e9 de paiement.<\/p>\n<p>Les banques vous proposent une assurance facultative et payante pour votre CR\u00c9DIT. En cas d'incapacit\u00e9 de travail ou de ch\u00f4mage sans faute de votre part, vos versements seront pris en charge par les partenaires de l'assurance. En cas de d\u00e9c\u00e8s de l'emprunteur, les banques renoncent \u00e0 r\u00e9clamer le solde de la dette en cours \u00e0 ce moment-l\u00e0.<\/p>\n<p>Cependant, vous devez lire attentivement l'AVB. Car dans la plupart des assurances, de tr\u00e8s nombreuses possibilit\u00e9s sont exclues. Comme par exemple :<\/p>\n<p>Si vous devenez invalide \u00e0 la suite d'un accident avec votre v\u00e9lo, vous ne recevrez aucune prestation. L'obtention d'une prestation est souvent tr\u00e8s rocailleuse et longue, car la plupart des compagnies d'assurance excluent de tr\u00e8s nombreuses possibilit\u00e9s.<\/p>\n<ul>\n<li><strong>Il est particuli\u00e8rement important de pr\u00eater attention \u00e0 la dur\u00e9e du panier, aux exclusions et aux descriptions des services.<\/strong><\/li>\n<li>Si vous d\u00e9cidez de souscrire une assurance, vous devez vous informer bien \u00e0 l'avance.<\/li>\n<li>L'assurance-cr\u00e9dit est volontaire.<\/li>\n<li>Les banques en profitent deux fois et il y a parfois des diff\u00e9rences de prix importantes.<\/li>\n<\/ul>\n<hr \/>\n<p><strong>Nous serions heureux de vous aider dans cette d\u00e9cision importante et sommes \u00e0 votre disposition pour vous donner des conseils ind\u00e9pendants.<\/strong><\/p>\n<hr \/>\n<h2>\u00a0Il convient de noter les points suivants :<\/h2>\n<ul>\n<li>L'\u00e2ge d'entr\u00e9e est souvent compris entre 20 et 60 ans.<\/li>\n<li>Il ne doit pas y avoir de connaissance d'une maladie pr\u00e9existante.<\/li>\n<li>Aucune absence du travail de plus de 20 jours pour cause de maladie\/accident et aucun s\u00e9jour \u00e0 l'h\u00f4pital de plus de 10 jours au cours des 12 derniers mois.<\/li>\n<li>Aucune connaissance du licenciement imminent<\/li>\n<li>relation de travail permanente depuis au moins 6 mois<\/li>\n<li>R\u00e9sidence principale en Suisse<\/li>\n<\/ul>\n<p><a class=\"btn btn-success\" href=\"https:\/\/www.bestfinance.ch\/fr\/des-taux-de-credit-bas-pour-le-credit-de-votre-choix\/\"> Demander un cr\u00e9dit<\/a><\/p>\n<p>Sauvegarder l'article en PDF :\u00a0<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/Brauche-ich-eine-Raten-Versicherung-fuer-meinen-Kredit.pdf\">Ai-je besoin d'une assurance de protection des paiements pour mon pr\u00eat ?.pdf<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Une assurance \u00e0 temp\u00e9rament, \u00e9galement appel\u00e9e assurance-cr\u00e9dit, permet en cas d'accident, de maladie, de ch\u00f4mage sans faute ou d'invalidit\u00e9 de rembourser les mensualit\u00e9s de son cr\u00e9dit - car dans la vie, beaucoup de choses peuvent arriver.<\/p>","protected":false},"author":2,"featured_media":230,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Sch\u00fctzen Sie Ihren Kredit bei Arbeitslosigkeit &amp; Krankheit!","_seopress_titles_desc":"Umfassender Versicherungsschutz f\u00fcr Ihren Kredit bei Arbeitsunf\u00e4higkeit oder Arbeitslosigkeit. Sichern Sie sich jetzt ab!","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":null,"stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":null,"astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts\/369","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/comments?post=369"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts\/369\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media\/230"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media?parent=369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/categories?post=369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/tags?post=369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}