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Calculate your loan insurance and save!

you planning to apply for credit? Well aware that through the calculation of insurance loan, a prerequisite to obtaining your credit, you can realize significant savings on the total cost of your loan . In fact, you do not have to take out loan insurance from your bank and through Capvis you can achieve up to 50% savings on your insurance loan! Whether for calculating the insurance of a mortgage or professional Capvis offers a comparison of insurance borrowers. Depending on your situation, you can choose the best suited to your needs among the different types of contracts studied in larger companies. You can create a quote online free, fast and without obligation from some personal information. So visit the site and make the Capvis calculate your loan insurance now!

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unpaid rent: new negotiations for

Negotiations will be launched with insurance companies to develop risk guarantee rental (LRG) which should enable more homeowners to guard against unpaid rent , announced Secretary of State for Housing Benoist Appeared.

"We hope to lead in a few days an agreement with 12 insurance companies instead of three now," he said at a news conference, Mr. Appeared.

The Secretary of State had said on December 7 that the LRG "not working" due to the subscription of 60,000 contracts LRG in 2010, instead of the 400,000 expected.

Promise campaign Nicolas Sarkozy facilitate access to housing for all, LRG, a insurance in case of unpaid rent subscribed by the owners, was not as successful as expected due to the reluctance of some insurance companies.

insurance LRG, a fragile device?

Up to 28% of "income ratio" (ratio between the total rent from the tenant's income), insurers who agree to exercise this warranty do not receive any assistance to incidents Payment tenants.

But between 28% and 50% "rate of effort" tenants, insurers may benefit, in case of loss of unpaid rent or damage to housing, compensation funded by the European Social Economy Housing (UESL), the umbrella organization Action Housing (ex-1% Housing) and the State.

"The GRL system is doomed to failure and will explode in flight, because the premiums cover only 40% of claims being considered," he always said Jean Perrin, president of the National Union of Property Owners (UNPI).

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LRG Assurance mortgage, banks try to stem the tide of the delegations of insurance.

Since the implementation of the Act called "Lagarde" September 1, 2010, which allows a better competition for insurance borrower, many candidates are now negotiating credit delegation external insurance with their bank.

Select your own loan insurance is possible provided that the guarantees of the contract are equivalent.

Indeed, the loan insurance a security for the lender (the bank), the latter may charge you a certain level of security: death, whether or not guarantees incapacity / disability and job loss (unemployment). This provision is explicit in the Act Lagarde.

If you have insufficient collateral, your bank will therefore make a reasoned refusal of your delegation.

Equivalent warranty does not mean equality.

But it is tempting for a bank to refuse a massive loan insurance competing on the pretext that the guarantees are not the same as those provided in the contract group.
Also, the legislature clearly indicates the concept of equivalence, not equality . Indeed, the assurances, though legally qu'encadrées by the Insurance Code, enjoy a certain freedom of contract. Therefore, two contracts (same designed by the same insurance company!) Will never be strictly identical.

To find the right loan insurance contract, consult an insurance broker.

Less known by borrowers and credit brokers, firms of insurance brokerage are Multi your personal welfare. Some experts are
the borrower insurance as: Capvis insurance brokerage BB, FR Brokerage, Magnolia web, etc. ... These structures
advise you and sell all or part of loan insurance contracts offered by insurance companies: April , Cardif, Cube insurance, Alptis , Afi Europe etc. ...