Real estate credit: in this bank, these men will no longer have to pay more after cancer

A large mutual bank announces, this Monday, May 26, that former patients of prostate cancer or the testicle will benefit from the right to be forgotten at the end of their therapeutic protocol, as part of the borrower insurance linked to a mortgage.

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Relief for Customers of Savings Caisses and Popular Banks wishing to take out a mortgage for a personal or professional project, but which had to face a cancer called “male”like that of prostate or testicle. From Monday, May 26, they will not be excluded from guarantee or borrower insurance surprise “If they are placed under active medical supervision without current treatment, or if their therapeutic protocol is finished”. This, for loans up to three million euros, specify BPCE (Banque Populaire Caisse d’Epargne) and its partner CNP Assurances. Since March 2024 already, the two groups have allowed women who are given breast cancer to contract borrower insurance under the same conditions as anyone at the end of their surgery, chemotherapy or radiotherapy.

An initiative that goes “Luet beyond the provisions provided for by the Convention Aeras (Ensure and borrow with an aggravated risk of health) supervising the right to be forgotten ”underlines BPCE. Indeed, taking out a mortgage is not always easy after cancer even if the disease is only a bad memory. Despite the relaxation allowed by the Lemoine law of 2022, people formerly suffering from a cancer pathology, or viral hepatitis C must wait for more than five years After the end of their therapeutic protocol, and not having been relapsed, to benefit from the right to be forgotten in borrower insurance. This period was 10 years before the entry into force of the Lemoine law.

BNP Paribas Cardif’s previous

As a reminder, the right to be forgotten allows former patients not to mention their health problems spent in the medical questionnaire To be completed to obtain insurance guaranteeing the reimbursement of their mortgage in the event of death, disability, incapacity for work and/or job loss. Under the right to be forgotten, insurers can neither refuse to grant a contract to these former patients nor apply to them surprises, that is to say an additional insurance contribution.

In 2023 in France, the number of new cancers was estimated at 433,000, recalls BPCE. Prostate cancer is the most common for men, with around 60,000 people diagnosed according to the National Cancer Institute. Mid-May, BNP Paribas Cardif had preceded BPCE by allowing people who have overcome prostate cancer, testicles or breasts to take out, within the framework of a personal or professional real estate project up to one million euros, a borrower insurance contract without surprise or exclusion of guarantee, to count, there too, of the end of the therapeutic protocol. Without waiting, therefore, the legal period of five years set by the right to be forgotten.