|
|
Nord Pas-de-Calais Area real estate credit
|
|
 Impossible in France to contract a loan, especially real, without signing a contract of insurance to the profit of the lender finance company.
Let us tackle the question of the access to the credit from some ten to twelve million people considered as presenting a health hazard worsened.
In our consumer society, the acquisition of a house or a car, which can condition obtaining or the safeguarding of an employment, very often obliges to borrow.
However certain people are durably excluded from the possibility of conceiving projects and, finally, from living with - or after - their disease or their handicap, because they are regarded as presenting, for the banks and insurances, a too high risk.
Too much often still, a person reached of cancer, that the doctors declared cured, is seen opposing, twenty years later, its health condition.
It is also true people whose handicap is stabilized and who do not suffer from pathologies but which are regarded by the finance company as presenting a noninsurable or imposing risk extra premiums such as they make unrealizable the project of purchase considered.
Thus, nine thousand people saw themselves denying a real estate credit, the refusing insurer, often without motivating its decision, to guarantee the loan. It is estimated that nearly 25% of the files of loan are rejected for worsened risk of health.
One remembers it, the question was initially posed for the HIV positive people, systematically prevented from negociating a loan. It is necessary returns Re homage to Jean-Michel Belorgey, which worked so that banks and the insurances agree to hear consumers' associations and of patients in order to secure them against refusal of loan or abusive extra premiums.
However, the assessment of the application of Belorgey convention of 2001 remains mitigated: not-catch in load of disability, defect of information and lack of opposability, roasts of obsolete analysis of pathologies. Such are the principal reproaches which were addressed to convention.
Many people were incited to dissimulate the reality of their health condition, at their risks and dangers since in the event of proven fraud - when well even disability or the death is not related to dissimulated pathology, the contract is declared null and the already versed premiums are not refunded.
|
 |
Convention AIRED, signed in July 2006 and coming into effect last on January 6, without any doubt allows the important advanced ones, among which the assumption of responsibility of disability, whereas Belorgey convention related to only the life insurance, the raising of the thresholds of age and amount.
A better respect of the obligation of information and confidentiality, times of reduced processing, the motivation of the refusal of insurance and a limitation of the extra premiums put at the load of the people having modest incomes.
Whereas progress of predictive medicine will lead - and leads already! the insurers to call upon hypothetical risks, it is advisable to be particularly vigilant: when a sister sees herself opposing the cancer of her brother or a child the genetic disease of her mother, the eugenism points dangerously!
Being progress of predictive medicine, let us specify that the refusal based on genetic predispositions are abuses, which are contrary with the law and constitute the discriminations sanctioned by article 225-3 of the penal code.
|
|
 • The green country
Marsh audomarois, with the soft valleys of Ternois and the 7 Valleys, the landscapes of the Pas-de-Calais is authentic. Scrap-metals in marsh, all here breathes softness and the return to the sources.
The parks and gardens open to the public, the craftsmen invite the visitor curious to push the door of the workshop to share their trade the one moment space.
• The dimension of opal
The Coast of Opal unrolls its 120 km of beaches, dunes and cliffs between Calais and Berck on Mer.
It is a landscape full with contrasts which interferes the green bursting its meadows, to the bluish colors gray of the waves. An area which saw sea and plays with the wind.
The Coast of Opal, it is a legendary alliance between the influences of the sea and the roots of the ground, a pact violently broken in the history but always rebuilt to find a balance fragile between the waves of the sea and the furrows of the ground.
In seaside, drawn up vis-a-vis white cliffs of England, the courses White-nosed monkey - out of chalk, high of 134 m and Gray-Nose - out of sandstone, clay and limestone, high of 45 m - enclose bay of Wissant.
To broad, on the strait of the Pas-de-Calais, more attended world, the ceaseless movement of the ships offers a strange spectacle, orchestrated by the large radar of the Cross-country race Gray-Nose.
North in the South, the landscapes of Bolted do not resemble. It astonishes and allures which does not know it!
Town of Art and History, seaside resorts, Regional natural park, Bolted it concentrates on its territory of many assets.
On a side the sea, other of the parks, gardens, old residences, monuments which still testify to a last rich person.
• The artois
Béthune and Arras, middle-class cities of Flemish and sometimes Spanish influence, draw the limits of a vast territory between plains of Artois, mining country and agricultural villages.
They are marked, just like Lens and Liévin, by the history of a first Great War which recall of innumerable white crosses and the landscapes impregnated of memories.
The hills of the artois are dominated by very beautiful made churches and a particular architecture of bricks and stones. The spoil heaps worked the landscapes, they became places of walk and activities of sport.
|
|
 |
Pour tous renseignements:
 |
|
|
Nord Pas-de-Calais Area real estate credit
|
|
|
|
