Translation of the French page, for information. Mandatory information stays in French, as do linked articles. Read the French page
Lemoine law: compare two borrower insurance rates
You type your rate and the one you want to compare it with: the page calculates the remaining cost of each, and tells you whether the health questionnaire can be required of you.
Compare two rates
Type your outstanding capital, the remaining term and the two rates to compare.
Type the first five figures: the comparison appears here.
| Rate | Per month | Over the remaining term |
|---|---|---|
| Current rate | ||
| Rate to compare | ||
| Difference |
The rate to compare costs less.
The rate to compare costs more.
Both rates cost the same.
Both conditions are met: no health questionnaire.
At least one condition is not met: a health questionnaire may be requested.
The last instalment falls around that birthday: your date of birth decides.
Type your age for the second condition.
What a rate gap is worth
| Remaining term | Gap of 0,05 point | Gap of 0,10 point | Gap of 0,20 point | Gap of 0,30 point |
|---|---|---|---|---|
| 5 years remaining | 4,17 € per month 250,00 € in total | 8,33 € per month 500,00 € in total | 16,67 € per month 1 000,00 € in total | 25,00 € per month 1 500,00 € in total |
| 10 years remaining | 4,17 € per month 500,00 € in total | 8,33 € per month 1 000,00 € in total | 16,67 € per month 2 000,00 € in total | 25,00 € per month 3 000,00 € in total |
| 15 years remaining | 4,17 € per month 750,00 € in total | 8,33 € per month 1 500,00 € in total | 16,67 € per month 3 000,00 € in total | 25,00 € per month 4 500,00 € in total |
| 20 years remaining | 4,17 € per month 1 000,00 € in total | 8,33 € per month 2 000,00 € in total | 16,67 € per month 4 000,00 € in total | 25,00 € per month 6 000,00 € in total |
- Calcul : capital × quotité × taux ÷ 12, chaque mois, sur la durée restante. Si votre cotisation se calcule sur le capital emprunté au départ, écrivez ce capital.
- Deux taux, pas deux contrats : la comparaison suppose les mêmes garanties et la même quotité.
The health questionnaire
Pour un crédit immobilier d’achat ou de construction d’un logement, l’assureur ne peut demander ni information sur votre état de santé ni examen médical si les deux conditions sont réunies (code des assurances, art. L. 113-2-1) :
- la part assurée sur l’encours cumulé de vos contrats de crédit n’excède pas 200 000 € par assuré ;
- la dernière échéance du crédit tombe avant votre 60e anniversaire.
The procedure for changing insurance: Lemoine law: changing borrower insurance at any time, the full procedure (FR).
The online form is in French. +33 6 37 98 81 25
An average saving, and its limits
Your loan and your purchase
- You have a ten-day reflection period on the loan offer.
- The sale is conditional on the loan being obtained.
- If the loan is not obtained, the sums you paid the seller are refunded to you.
Mandatory legal information, in French:
L’emprunteur dispose d’un délai de réflexion de dix jours ; la vente est subordonnée à l’obtention du prêt ; si le prêt n’est pas obtenu, le vendeur doit rembourser les sommes versées.