In an interview at the “World”, the Chairman of the Banking Group, Nicolas Théry, announces that his establishment renounces the medical questionnaire when subscribing to a real estate credit. The device only concerns loyal customers.
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For the first time, a French bank chooses to partly unlock access to real estate for former cancer patients or people with chronic disease. The Crédit Mutuel Group removes, as of this Tuesday, November 9, the traditional health questionnaire that banks and insurers submit to customers when subscribing to a habitat loan. This questionnaire condemns patients to borrow at high rates, or even prohibitive, because of the insurance attached to the real estate credit.
“It was an old idea that I had, explains Nicolas Théry, the President of Crédit Mutuel. In an earlier life, I had contributed to the creation of the AERAS Convention (ensure and borrow with an aggravated risk of Health – supposed to facilitate access to credit for borrowers with pathology). It was a nice initiative, which works, but with surcharges and not for all the pathologies. We must take over an extra step; Switching from insurance logic, where each risk is priced, with a collective approach. “
” Avoid double punishment “
The device proposed today by the mutualist group, however, remains subject to conditions. It only concerns the purchase of the principal residence. Only “faithful” clients, domiciliating their main income for at least seven years on Crédit Mutuel or CIC – the other network of the Group – will escape the health questionnaire, medical formalities, surcharges and exclusions related to their state of health. However, these borrowers will not have to be over 62 years old when subscribing and credit will be capped at 500,000 euros per borrower.
As for the institution’s clients who have already contracted a credit and borrower insurance under the same conditions, if they are outraged or an exclusion of warranty, they will be deleted from the date of 1 er December 2021. “There is no wolf, says Nicolas Théry. The goal is to avoid double sentence, the disease and the exclusion of access to the property. “
With this measure, the Bank acknowledges the policy. Several socialist MPs, LR, UDI and LRM have attempted to file amendments in the last few days for the bill of finance 2022 in order to create “inclusive” borrower insurance contracts, without a health questionnaire, with a tax incentive. the key.
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