Assurances de crédits pour les fonctionnaires

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Assurer un crédit n’est pas obligatoire pour un fonctionnaire mais c’est cependant fortement recommandé. Quelles sont les conditions et comment réduire le coût de cette assurance ? Voici des éléments de réponse.

Assurer son emprunt quand on est agent de la fonction publique

Les agents de la fonction publique ont un statut plus rassurant pour les prêteurs, ce qui leur permet de trouver plus facilement des offres d’assurances et de mettre en concurrence les différents organismes. Que ce soit pour un crédit ou un regroupement de crédits, le principe reste le même, le coût de l’assurance est évalué en fonction du TAEA, c’est-à-dire le taux annuel effectif de l’assurance.

Grâce au TAEA, les fonctionnaires peuvent comparer les offres de couvertures de prêts, que ce soit chez le prêteur directement ou par le biais d’un intermédiaire en assurances. Avec ce taux, il est plus facile de déterminer les différences de coût, bien que les garanties sont toutes aussi importantes.

Trouver une assurance emprunteur moins chère

Les possibilités de trouver une offre d’assurance de prêts sont nombreuses pour les ménages fonctionnaires, le plus difficile étant de trouver une couverture peu coûteuse, et c’est à ce stade que les complications se font ressentir.

Les prêteurs privilégient les taux bas actuellement, mais certains se rattrapent avec des cotisations d’assurance, de ce fait, difficile de négocier une couverture moins onéreuse quand on a déjà négocié le taux du crédit. Le recours aux intermédiaires en assurances permet de faire jouer la concurrence avec des garanties similaires mais à des tarifs plus appréciables.

Cette démarche est aussi bien valable pour du crédit classique que pour du regroupement de prêts à destination des fonctionnaires. A noter que la loi Hamon laisse toujours la possibilité de négocier le coût de l’assurance après signature du contrat de crédit, pour une durée de un an.

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