{"id":4708,"date":"2024-08-07T21:00:45","date_gmt":"2024-08-07T21:00:45","guid":{"rendered":"https:\/\/april-belgium.be\/?page_id=4708"},"modified":"2024-08-07T21:07:00","modified_gmt":"2024-08-07T21:07:00","slug":"april-credit-protect-de-mutlog-sa","status":"publish","type":"page","link":"https:\/\/april-belgium.be\/fr\/april-credit-protect-de-mutlog-sa\/","title":{"rendered":"APRIL Credit Protect de Mutlog SA"},"content":{"rendered":"<h3>TYPE D\u2019ASSURANCE-VIE<\/h3>\n<p>APRIL Credit Protect est une <strong>assurance d\u00e9c\u00e8s temporaire<\/strong> (branche 21) servant \u00e0 garantir le remboursement d\u2019un cr\u00e9dit hypoth\u00e9caire.<\/p>\n<p>Deux formules sont possibles :<\/p>\n<ul>\n<li>Soit une temporaire d\u00e9c\u00e8s \u00e0 <strong>capital d\u00e9croissant<\/strong> (Assurance solde restant d\u00fb)<\/li>\n<li>Soit une temporaire d\u00e9c\u00e8s \u00e0 <strong>capital constant<\/strong><\/li>\n<\/ul>\n<h3>POUR QUI ?<\/h3>\n<p>Le produit APRIL Credit Protect s\u2019adresse aux personnes physiques souhaitant mettre \u00e0 l\u2019abri leurs proches contre les <strong>cons\u00e9quences financi\u00e8res li\u00e9es \u00e0 leur d\u00e9c\u00e8s<\/strong> et aux personnes morales souhaitant assurer la p\u00e9rennit\u00e9 de leur entreprise.<\/p>\n<div class=\"produit_illustration\">\n<h3>GARANTIES DE L\u2019ASSURANCE<\/h3>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3371\" src=\"https:\/\/aprildev.cmsdev.be\/wp-content\/uploads\/produit-assurance-2021.png\" alt=\"\" width=\"686\" height=\"778\" srcset=\"https:\/\/april-belgium.be\/wp-content\/uploads\/produit-assurance-2021.png 686w, https:\/\/april-belgium.be\/wp-content\/uploads\/produit-assurance-2021-353x400.png 353w\" sizes=\"(max-width: 686px) 100vw, 686px\" \/><\/p>\n<p>En cas de d\u00e9c\u00e8s suite \u00e0 une maladie ou un accident durant la vie du contrat, MUTLOG intervient pour le solde restant d\u00fb du cr\u00e9dit (en totalit\u00e9 ou en partie) ou pour un capital constant fix\u00e9 \u00e0 la souscription du contrat. Ce capital est vers\u00e9 aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s \u00e0 la souscription du contrat et\/ou \u00e0 l\u2019organisme pr\u00eateur pour le solde restant d\u00fb du cr\u00e9dit.<\/p>\n<p>Le capital assur\u00e9 est \u00e0 d\u00e9terminer librement par le client mais s\u2019\u00e9l\u00e8ve \u00e0 minimum 25.000\u20ac et maximum 3.000.000\u20ac.<\/p>\n<h3>DUR\u00c9E DU CONTRAT<\/h3>\n<ul>\n<li>Dur\u00e9e : minimum 5 ans (60 mois) et maximum 30 ans (360 mois).<\/li>\n<li>La dur\u00e9e de l\u2019assurance d\u00e9pend de la dur\u00e9e de vie de l\u2019assur\u00e9 et\/ou de l\u2019emprunt immobilier.<\/li>\n<li>\u00c2ge \u00e0 la souscription : entre 18 et 75 ans.<\/li>\n<li>\u00c2ge maximum au terme : 85 ans.<\/li>\n<\/ul>\n<\/div>\n<h3>LA PRIME D\u2019ASSURANCE<\/h3>\n<p>La prime d\u00e9pend de plusieurs crit\u00e8res de <a href=\"\/wp-content\/uploads\/documents\/SegmentationTarifaire_FR.pdf\">segmentation tarifaire<\/a>.<\/p>\n<p>La prime d\u00e9pend de plusieurs crit\u00e8res de segmentation tarifaire.<\/p>\n<p>Diff\u00e9rents modes de paiement des primes sont possibles :<\/p>\n<ul>\n<li><strong>Primes de risque<\/strong> : la prime est recalcul\u00e9e \u00e0 chaque \u00e9ch\u00e9ance en fonction de l\u2019\u00e9volution du capital et de l\u2019\u00e2ge de l\u2019assur\u00e9. Payable pendant toute la dur\u00e9e du contrat.<\/li>\n<li><strong>Primes constantes<\/strong> : Payable durant 2\/3 de la dur\u00e9e (pour les assurances de type solde restant d\u00fb) ou toute la dur\u00e9e du contrat (pour les assurances temporaires \u00e0 capital constant, mais aussi les assurances de type solde restant d\u00fb).<\/li>\n<li>La prime peut \u00eatre pay\u00e9e mensuellement (pas de montant minimum) ou annuellement. En cas de paiement mensuel, la domiciliation est obligatoire.<\/li>\n<\/ul>\n<h3>LE CADRE FISCAL<\/h3>\n<ul>\n<li>\n<p>La r\u00e9glementation fiscale suivante est d\u2019application pour une personne physique r\u00e9sidente belge sauf mention contraire :<\/p>\n<ul>\n<li>Sur les versements effectu\u00e9s par une personne physique dont le domicile fiscal est en Belgique, une taxe de 2% sera retenue.<\/li>\n<li>La taxe est r\u00e9duite \u00e0 1,10% pour les assurances d\u00e9c\u00e8s \u00e0 capital d\u00e9croissant, souscrites par des personnes physiques, qui servent \u00e0 la garantie d\u2019un cr\u00e9dit hypoth\u00e9caire pour l\u2019acquisition ou la conservation d\u2019un bien immobilier.<\/li>\n<li>Sur les versements ex\u00e9cut\u00e9s par une personne morale, une taxe de 4,4% sera retenue.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>LES PRINCIPALES EXCLUSIONS<\/h3>\n<p>Les principales exclusions en cas de d\u00e9c\u00e8s sont :<\/p>\n<ul>\n<li>Suicide de l\u2019assur\u00e9 au cours de la premi\u00e8re ann\u00e9e.<\/li>\n<li>Fait intentionnel.<\/li>\n<li>Guerre.<\/li>\n<li>\u00c9meutes.<\/li>\n<li>Transmutations de noyaux ou de la radioactivit\u00e9.<\/li>\n<li>Navigation a\u00e9rienne.<\/li>\n<li>Sport en tant que professionnel.<\/li>\n<\/ul>\n<p>Les exclusions pr\u00e9cit\u00e9es ne sont pas exhaustives. Pour de plus amples informations, vous devez consulter les conditions g\u00e9n\u00e9rales.<\/p>\n<h3><strong>QUI EST MUTLOG\u00a0?<\/strong><\/h3>\n<p>MUTLOG (Mutuelle du Logement) est un assureur fran\u00e7ais sp\u00e9cialis\u00e9 dans les assurances emprunteur. MUTLOG propose des solutions adapt\u00e9es pour la couverture des pr\u00eats immobiliers, r\u00e9pondant aux besoins aussi bien des particuliers que des entreprises. Forte de son expertise en protection financi\u00e8re, MUTLOG assure la s\u00e9curit\u00e9 des emprunteurs en cas de d\u00e9c\u00e8s, d&rsquo;invalidit\u00e9 ou d&rsquo;incapacit\u00e9, leur permettant ainsi de r\u00e9aliser leurs projets immobiliers en toute tranquillit\u00e9. En collaboration avec de nombreux partenaires, MUTLOG s&rsquo;engage \u00e0 offrir une couverture optimale et personnalis\u00e9e.<\/p>\n<h3>QUE FAIRE EN CAS DE PLAINTE ?<\/h3>\n<p>Toute plainte peut \u00eatre adress\u00e9e par courrier \u00e0 APRIL Belgium, Dr\u00e8ve Richelle 161 I, bo\u00eete 69 \u2013 1410 Waterloo ou par e-mail \u00e0 support.be@april.com. En cas de d\u00e9saccord ou si vous n\u2019\u00eates pas satisfait de la r\u00e9ponse, vous pouvez soumettre votre plainte \u00e0 l\u2019ombudsman des assurances (1000 Bruxelles, Square de Mee\u00fbs, 35; tel : 02\/547.58.71 \u2013 Fax : 02\/547.58.71 \u2013 Mail : info@ombudsman-insurance.be \u2013 www.ombudsman-insurance.be).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>TYPE D\u2019ASSURANCE-VIE APRIL Credit Protect est une assurance d\u00e9c\u00e8s temporaire (branche 21) servant \u00e0 garantir le remboursement d\u2019un cr\u00e9dit hypoth\u00e9caire. Deux formules sont possibles : Soit une temporaire d\u00e9c\u00e8s \u00e0 capital d\u00e9croissant (Assurance solde restant d\u00fb) Soit une temporaire d\u00e9c\u00e8s \u00e0 capital constant POUR QUI ? Le produit APRIL Credit Protect s\u2019adresse aux personnes physiques &hellip;<\/p>\n","protected":false},"author":22,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-elitis-produits.php","meta":{"footnotes":""},"class_list":["post-4708","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>APRIL Credit Protect de Mutlog SA - APRIL Belgium<\/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:\/\/april-belgium.be\/fr\/april-credit-protect-de-mutlog-sa\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"APRIL Credit Protect de Mutlog SA - APRIL Belgium\" \/>\n<meta property=\"og:description\" content=\"TYPE D\u2019ASSURANCE-VIE APRIL Credit Protect est une assurance d\u00e9c\u00e8s temporaire (branche 21) servant \u00e0 garantir le remboursement d\u2019un cr\u00e9dit hypoth\u00e9caire. Deux formules sont possibles : Soit une temporaire d\u00e9c\u00e8s \u00e0 capital d\u00e9croissant (Assurance solde restant d\u00fb) Soit une temporaire d\u00e9c\u00e8s \u00e0 capital constant POUR QUI ? Le produit APRIL Credit Protect s\u2019adresse aux personnes physiques &hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/april-belgium.be\/fr\/april-credit-protect-de-mutlog-sa\/\" \/>\n<meta property=\"og:site_name\" content=\"APRIL Belgium\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-07T21:07:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/aprildev.cmsdev.be\/wp-content\/uploads\/produit-assurance-2021.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture est.\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/april-credit-protect-de-mutlog-sa\\\/\",\"url\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/april-credit-protect-de-mutlog-sa\\\/\",\"name\":\"APRIL Credit Protect de Mutlog SA - APRIL Belgium\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/april-credit-protect-de-mutlog-sa\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/april-credit-protect-de-mutlog-sa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/aprildev.cmsdev.be\\\/wp-content\\\/uploads\\\/produit-assurance-2021.png\",\"datePublished\":\"2024-08-07T21:00:45+00:00\",\"dateModified\":\"2024-08-07T21:07:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/april-credit-protect-de-mutlog-sa\\\/#breadcrumb\"},\"inLanguage\":\"fr-BE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/april-belgium.be\\\/fr\\\/april-credit-protect-de-mutlog-sa\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/april-credit-protect-de-mutlog-sa\\\/#primaryimage\",\"url\":\"https:\\\/\\\/aprildev.cmsdev.be\\\/wp-content\\\/uploads\\\/produit-assurance-2021.png\",\"contentUrl\":\"https:\\\/\\\/aprildev.cmsdev.be\\\/wp-content\\\/uploads\\\/produit-assurance-2021.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/april-credit-protect-de-mutlog-sa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"APRIL Credit Protect de Mutlog SA\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/\",\"name\":\"APRIL Belgium\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/april-belgium.be\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-BE\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"APRIL Credit Protect de Mutlog SA - APRIL Belgium","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/april-belgium.be\/fr\/april-credit-protect-de-mutlog-sa\/","og_locale":"fr_FR","og_type":"article","og_title":"APRIL Credit Protect de Mutlog SA - APRIL Belgium","og_description":"TYPE D\u2019ASSURANCE-VIE APRIL Credit Protect est une assurance d\u00e9c\u00e8s temporaire (branche 21) servant \u00e0 garantir le remboursement d\u2019un cr\u00e9dit hypoth\u00e9caire. 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