It is a praise that does not resonate so frequently in the chambers of the French Parliament. The association Les Séropotes, which supports LGBT + people living with HIV, thanked “warmly” the elected officials who voted, Thursday, February 3, the abolition of the medical questionnaire, until now necessary before the subscription of a mortgage. However, this questionnaire today condemns sick people – and former sick people – to borrow at high, even prohibitive, rates, because of the insurance attached to the mortgage. This is’“a historic step forward towards the end of the double pain that today strikes all people who have encountered or encounter the path of the disease”greeted the collective.
This text, the result of a compromise between deputies and senators brought together in a joint joint committee (CMP), specifically provides for the abolition of the medical questionnaire for mortgages of less than 200,000 euros (per person, therefore 400,000 euros if two people borrow) and whose term occurs before the sixtieth anniversary of the borrower. “This represents more than half of real estate loans”, says Senator Daniel Gremillet (Les Républicains – Vosges), rapporteur on behalf of the Economic Affairs Committee. The bill must still be voted on one last time by the two chambers, the National Assembly then the Senate, by mid-February. The measure will apply as soon as the law is promulgated.
The initial text, a bill brought by the deputy Patricia Lemoine (Agir) “for fairer, simpler and more transparent access to the borrower insurance market”, had first focused on the possibility of changing, free of charge and at any time, the insurance of home loans – and no longer only on the anniversary date. The objective was to strengthen competition between banks (in a quasi-monopoly on these products) and insurers, to the benefit of the consumer.
Adopted, revoked, reinstated
This provision, adopted at first reading in the Assembly, was then challenged by the Senate, dominated by the right-wing opposition. Restored in CMP, this provision will come into force on 1er next June for new contracts, and the 1er September for others. In addition, in accordance with the will of the Senate, the information obligations of the insured on their right to cancellation are reinforced. Insurers will therefore have to inform their customers each year of the existence of this right and the terms of its implementation.
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