{"id":13071,"date":"2024-10-30T19:18:04","date_gmt":"2024-10-30T18:18:04","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=13071"},"modified":"2024-10-31T18:17:58","modified_gmt":"2024-10-31T17:17:58","slug":"es-possible-canviar-l-asseguranca-de-vida-vinculada-a-la-hipoteca-es-obligatori-contractar-la-amb-el-banc","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/es-possible-canviar-l-asseguranca-de-vida-vinculada-a-la-hipoteca-es-obligatori-contractar-la-amb-el-banc\/","title":{"rendered":"\u00c9s possible canviar l&#8217;asseguran\u00e7a de vida vinculada a la hipoteca? \u00c9s obligatori contractar-la amb el banc?"},"content":{"rendered":"<h5>Pot canviar o cancel\u00b7lar l&#8217;asseguran\u00e7a de vida quan vulgui. L&#8217;\u00fanica cosa que ha de fer \u00e9s notificar a l&#8217;asseguradora amb un mes d&#8217;antelaci\u00f3 per escrit.<\/h5>\n<hr \/>\n<p>M\u00e9s d&#8217;una vegada es deu haver preguntat si les assegurances de vida associades a les compres d&#8217;habitatge i vinculades a les hipoteques s\u00f3n obligat\u00f2ries, o si s&#8217;han de contractar amb el banc i altres dubtes. Aix\u00f2 s&#8217;ho deu haver preguntat perqu\u00e8 quan es compra un habitatge, una vegada aprovada la hipoteca, el primer que li intenten vendre \u00e9s l&#8217;asseguran\u00e7a de vida. Els bancs fan un gran negoci amb aquestes assegurances de vida perqu\u00e8 en general, de manera estad\u00edstica, \u00e9s poc probable que succeeixin desgr\u00e0cies. Gr\u00e0cies a l&#8217;estad\u00edstica, el banc guanya molts diners.<\/p>\n<h3><strong>Que \u00e9s una asseguran\u00e7a de vida hipotec\u00e0ria ?<\/strong><\/h3>\n<p>Una asseguran\u00e7a de vida hipotec\u00e0ria \u00e9s una p\u00f2lissa que protegeix la seva fam\u00edlia en cas de defunci\u00f3 o invalidesa, assegurant el pagament del deute amb el banc. En poques paraules, \u00e9s un salvavides financer que evita que la seva fam\u00edlia quedi amb una hipoteca pendent de pagar.<\/p>\n<h3><strong>\u00c9s obligatori contractar aquesta asseguran\u00e7a?<\/strong><\/h3>\n<p>No! Des del 2019, gr\u00e0cies a la nova llei hipotec\u00e0ria, els bancs ja no poden obligar a contractar aquest tipus d&#8217;asseguran\u00e7a. No obstant aix\u00f2, moltes entitats ofereixen bonificacions en l&#8217;inter\u00e8s de la hipoteca si adquireix un dels seus productes d&#8217;asseguran\u00e7a.<\/p>\n<h3><strong>Puc canviar o cancel\u00b7lar la meva asseguran\u00e7a de vida hipotec\u00e0ria?<\/strong><\/h3>\n<p>Per descomptat que s\u00ed. Pot canviar o cancel\u00b7lar l&#8217;asseguran\u00e7a de vida quan vulgui. L&#8217;\u00fanica cosa que ha de fer \u00e9s notificar a l&#8217;asseguradora amb un mes d&#8217;antelaci\u00f3 per escrit. Recordi que, si cancel\u00b7la l&#8217;asseguran\u00e7a, \u00e9s probable que perdi la bonificaci\u00f3 en la hipoteca.<\/p>\n<h3><strong>Qu\u00e8 passa si vull cancel\u00b7lar l&#8217;asseguran\u00e7a i el banc m&#8217;ho impedeix?<\/strong><\/h3>\n<p>Si el banc intenta obligar-lo a mantenir l&#8217;asseguran\u00e7a, t\u00e9 dret de reclamar. La llei el protegeix i no permet que les entitats financeres imposin condicions abusives.<\/p>\n<h3><strong>\u00c9s m\u00e9s barat contractar l&#8217;asseguran\u00e7a de vida amb el banc?<\/strong><\/h3>\n<p>La resposta \u00e9s que no sempre. Sovint, les assegurances de vida ofertes pels bancs s\u00f3n m\u00e9s cares que les d&#8217;altres asseguradores. Recomanem comparar preus i cobertures abans de prendre una decisi\u00f3.<\/p>\n<h3><strong>En resum<\/strong><\/h3>\n<ul>\n<li>No hi ha obligaci\u00f3 d&#8217;asseguran\u00e7a de vida<\/li>\n<li>Flexibilitat: pot canviar d&#8217;asseguradora quan vulgui<\/li>\n<li>Compari: el millor \u00e9s comparar preu, per\u00f2 tamb\u00e9 cobertures. A vegades el barat surt car.<\/li>\n<li>Defensi els seus drets: si el banc pressiona, podem posar-hi fre.<\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-13023\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/10\/pexels-photo-16753441-1728461455_1728466035image-300x167.jpeg\" alt=\"\" width=\"300\" height=\"167\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/10\/pexels-photo-16753441-1728461455_1728466035image-300x167.jpeg 300w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/10\/pexels-photo-16753441-1728461455_1728466035image-768x427.jpeg 768w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/10\/pexels-photo-16753441-1728461455_1728466035image-600x333.jpeg 600w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/10\/pexels-photo-16753441-1728461455_1728466035image.jpeg 810w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h3><span style=\"color: #3366ff;\"><em>Som Corredors d&#8217;Assegurances i no depenem de les entitats\u00a0 asseguradores. Coneixem quines son les millors cobertures i els millors preus. Informem imparcialment. Consulti&#8217;ns sense comprom\u00eds trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.\u00a0<\/em><\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Pot canviar o cancel\u00b7lar l&#8217;asseguran\u00e7a de vida quan vulgui. L&#8217;\u00fanica cosa que ha de fer \u00e9s notificar a l&#8217;asseguradora amb un mes d&#8217;antelaci\u00f3 per escrit. M\u00e9s d&#8217;una vegada es deu haver preguntat si les assegurances de vida associades a les compres d&#8217;habitatge i vinculades a les hipoteques s\u00f3n obligat\u00f2ries, o si s&#8217;han de contractar amb [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":13068,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[18,21,41],"tags":[2497,2927,2928],"class_list":["post-13071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","category-butlleti-mensual","category-destacats","tag-asseguranca-obligatoria-hipoteca","tag-bancs-assegurar-bens","tag-obligacio-assegurances-bancaries"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00c9s possible canviar l&#039;asseguran\u00e7a de vida vinculada a la hipoteca? \u00c9s obligatori contractar-la amb el banc? | RM Assessors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rm-assessors.cat\/es\/es-possible-canviar-l-asseguranca-de-vida-vinculada-a-la-hipoteca-es-obligatori-contractar-la-amb-el-banc\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00c9s possible canviar l&#039;asseguran\u00e7a de vida vinculada a la hipoteca? \u00c9s obligatori contractar-la amb el banc? | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"Pot canviar o cancel\u00b7lar l&#8217;asseguran\u00e7a de vida quan vulgui. 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