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Rachat de crédit et le nantissement d’un contrat d’assurance vie

Le nantissement d’un bien consiste à le donner en garantie pour obtenir un prêt. Le bien garantit alors le créancier en cas de défaut de paiement.

Nantissement d’un contrat d’assurance vie : qu’est-ce que c’est ?

Considéré comme une véritable alternative à l’hypothèque, le nantissement d’un contrat d’assurance vie est un moyen d’obtenir un prêt important ou un refinancement important sans hypothéquer son bien immobilier.

Cette solution consiste pour un emprunteur à donner en garantie à l’organisme prêteur son assurance vie en cas de non remboursement de la somme prêtée.

Dans ce contexte, le créancier dispose d’une garantie en cas de défaut de paiement et l’emprunteur peut obtenir un prêt important.

Toutefois, le montant du nouveau crédit dépendra du capital de l’assurance et l’organisme de crédit doit être déclaré sur le contrat d’assurance vie comme étant le principal bénéficiaire.

Ce montage financier peut être très profitable dans la mesure où le rendement du contrat d’assurance vie rembourse les intérêts du nouveau prêt puisque son rendement est souvent plus important que la plupart des taux d’intérêts.

Nantissement d’un contrat d’assurance vie : les limites

Le nantissement d’un contrat d’assurance pour obtenir une ligne de crédit comporte des atouts mais aussi des inconvenants.

L’emprunteur reste le propriétaire de ses placements, mais il ne sera plus libre d’effectuer certaines opérations relatives à son contrat d’assurance vie.

La mise en place de ce montage financier ne changera pas l’essentiel du contrat d’assurance tant que l’emprunteur rembourse son crédit, il peut continuer à alimenter son assurance vie et même décider les supports sur lesquels le capital de celui-ci est placé.

Mais, en cas de défaut de paiement, l’organisme de crédit peut procéder au rachat du contrat d’assurance vie ou à sa clôture afin de saisir la somme correspondante au solde restant de son crédit.

Publié dans Actualités.

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  75. The states of Nevada and California do not require porn actors to be tested for HIV, said Weinstein, who has pushed for testing laws in both states and helped pass the condom law in Los Angeles County. Porn actors aren’t prostitutes, said Diane Duke, chief executive of the Free Speech Coalition, an industry trade group that administers strict HIV testing and a database showing pass-fail results. The Free Speech Coalition said regulations such as the condom law drive filmmakers to locations where they don’t undergo as much scrutiny by the industry. Nevada health officials said Friday that they’re considering strict brothel-style regulations for a booming adult film industry following the announcement last month that two male performers tested positive for HIV following a video shoot in the state. Last year, the industry increased testing to every 14 days after a woman contracted HIV. The last confirmed on-set HIV infection was in 2004. After that, the porn industry adopted monthly testing for a range of sexually transmitted diseases. The industry first suspended filming last month after an actress called Cameron Bay tested HIV-positive. The infections came amid a major decline in porn filming in Los Angeles County—once the center of porn production in the country—after the 2012 passage of a law requiring porn actors to use condoms during filming.

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