This little -known tip can save you up to 25,000 euros

Focused on the interest rate, many borrowers neglect to negotiate another component of their mortgage. They therefore miss considerable savings.

© Adobe – Many borrowers hesitate to negotiate an element of the mortgage which however represents up to 30% of its cost. Save save Receive borrower insurance alerts “rate, rate, rate”. When it comes to obtaining a mortgage, most households are almost exclusively concerned with the interest rate that they themselves or their brokers will manage to negotiate with the bank, smiles Maël Bernier, best-actible spokesperson. On the other hand, they are little interested in the possibility of opting for competing borrower insurance (we then speak of an insurance delegation), cheaper than the house insurance offered by the bank which grants credit. “In France, only one out of 10 file sets up an insurance delegation at the time of the mortgage subscription,” said Maël Bernier, during a press conference on March 4. Can the borrowers fear that the bank returns to its decision to grant them a loan if they do not take its own insurance? The 2010 Lagarde law, however, authorizes you to refuse the borrower insurance of the bank which consents to you the loan if you find a less expensive, provided that it presents the same guarantees. “Despite all the laws that have softened the choice of borrower insurance, these are always easy profiles, CSP (socio-professional categories) +, urban, well informed, which take borrower insurance elsewhere than in the bank where they subscribe to their credit,” regrets the best-actible spokesperson. Read also: Consulting mortgage: How much can you borrow in March 2025 according to your income? Considering savings with the insurance delegation “There are huge savings to be made by opting for the insurance delegation, from 20,000 to 25,000 euros on average”, she underlines. Borrower insurance, which takes your relay if you can no longer reimburse your credit monthly payments for health, accident or loss of employment reasons, can indeed represent up to 30% of the total cost of your mortgage. That is to say if it is worth negotiating it, especially since its price varies from simple to triple according to the insurers, indicates Bestaux. If you do not dare to take insurance elsewhere than in the bank which gives you the loan, do not panic. The Lemoine law of 2022 allows you to change your borrower insurance from the month following the subscription of your mortgage. Previously, you could not terminate your borrower insurance only on the anniversary of its signature. Another advantage of the Lemoine law, it removed the health questionnaire for loans less than 200,000 euros per person and for the credits reimbursed before the borrower’s 60th anniversary. To read also: Consulting mortgage: these borrowers who have everything to gain from renegotiating their loan in 2025 not lying on his health to fulfill a health questionnaire, “no question of lying!”, Warnings Maël Bernier, who finds that “many more people say they are non -smoking in these questionnaires that what the statistics of INSEE show …” “We can not lie about three to four kilos but tobacco consumption and hypertension, ”she insists. Stressing that “insurers also conduct their investigations on social networks”. If you show yourself on Instagram a cigarette in hand while you have declared yourself non -smoking in the health questionnaire, obtaining your borrower insurance may be compromised. Read also: Housing tax: This couple rented on Airbnb to avoid it, justice catches him receive our last news every week your appointment with real estate news. (tagstotranslate) Borrower insurance

Credit-Read More

// Function to fetch the latest posts
function fetchLatestPosts() {
const feedUrl = ‘https://newskiosk.pro/feed/’; // Replace with your blog’s RSS feed URL
fetch(feedUrl)
.then(response => response.text())
.then(str => new window.DOMParser().parseFromString(str, “text/xml”))
.then(data => {
const items = Array.from(data.querySelectorAll(“item”));
const latestPostsContainer = document.getElementById(“latest-posts”);
latestPostsContainer.innerHTML = ”; // Clear previous posts

// Shuffle the items array
const shuffledItems = items.sort(() => Math.random() – 0.5);

// Select the first 5 items from the shuffled array
const selectedItems = shuffledItems.slice(0, 5);

// Loop through the selected items and display them
selectedItems.forEach(post => {
const link = post.querySelector(“link”).textContent;
const description = post.querySelector(“description”).textContent;

// Create a new post element
const postElement = document.createElement(“div”);
postElement.classList.add(“latest-post”);
postElement.innerHTML = `

${description} Read more

`;

// Append the new post element to the container
latestPostsContainer.appendChild(postElement);
});
})
.catch(error => console.error(‘Error fetching the latest posts:’, error));
}

// Call the function to fetch and display the latest posts
fetchLatestPosts();