Question 16949 — housing: aid and loans

Summary

Ms. Cyrielle Chatelain questions the Minister of Cities and Housing on the assessment of the application of Law No. 2022-270 of February 28, 2022 for fairer, simpler and more transparent access to the borrower insurance market. This law notably introduced the possibility of canceling borrower insurance at any time, strengthened information for borrowers, reduced the period of the right to be forgotten for certain pathologies to five years and removed the health questionnaire for certain real estate loans, subject to conditions of amount and age. More than four years after its entry into force, it appears necessary to have a precise assessment of its concrete application for households. It requests the following information from it: the number of households having actually benefited from these provisions, the average amount of loans concerned, the profile of borrowers having been able to access these measures, as well as the observed evolution of borrower insurance prices since the entry into force of the law. It also wishes to know the number of insurance substitution requests accepted and refused, the main reasons for refusal by lending institutions, as well as the number of sanctions potentially imposed in the event of non-compliance with information or processing obligations. requests. Finally, she asks him if the Government intends to make public a complete assessment of this reform, in particular its effects on access to real estate credit, the purchasing power of households and equal treatment between borrowers. She would also like to know whether the Government plans to change this system in order to take into account the difficulties observed since its entry into force, in particular by reassessing the capital ceiling giving right to the removal of the medical questionnaire, so that it is better adapted to the evolution of real estate prices, as well as by studying an alignment of the age limit for reimbursement with that retained within the framework of the AERAS agreement.

Machine translation from French. The official text remains authoritative.

Timeline

No timeline events have been ingested for this record yet.

Votes

No vote records are attached yet.

Versions

No version snapshots stored. Document URLs remain at the source.

Documents

No documents linked.

Sponsors

No sponsors or actors listed by the source.

Related records

No cross-record relationships stored yet.