Question 20432 — banks and financial institutions

Summary

Mr. Francis Vercamer draws the attention of the Secretary of State, attached to the Prime Minister, responsible for disabled people, to the difficulties encountered by people presenting an increased health risk who wish to access credit. The bank loan allows the realization of a personal, family or professional project. It is thus, for example, an essential driver for financing the purchase of housing: in fact, 86% of tenants with a purchase project say they need credit. In France, anyone wishing to obtain credit must take out borrower insurance. For people presenting an increased health risk, this obligation constitutes an obstacle to access to credit, even if they carry out a professional activity and thus demonstrate the necessary income conditions. In 2016, 15% of loan insurance requests real estate or professional concerns a loan candidate presenting an increased health risk. The law of January 31, 2007 relating to access to credit for people presenting an aggravated health risk, created the AERAS convention (insurance and borrowing with an aggravated health risk). But this still proves insufficient, with banking establishments remaining cautious towards people who benefit from such agreement. The establishment then refuses to insure the individual, access to credit and therefore to purchase is unthinkable. If the insurer must protect itself against the risk that the borrower does not honor his monthly payments, it is nevertheless essential to allow people with an increased risk of illness to access property. In order to eliminate inequalities in access to bank loans, he asks what measures the Government is ready to implement in order to achieve this objective.

Machine translation from French. The official text remains authoritative.

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• Francis Vercamer · auteur

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