{"id":661,"date":"2021-01-29T05:45:00","date_gmt":"2021-01-29T04:45:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/contrat-de-pret-bancaire-gare-aux-clauses-abusives\/"},"modified":"2021-04-11T03:00:38","modified_gmt":"2021-04-11T01:00:38","slug":"contrat-de-pret-bancaire-gare-aux-clauses-abusives","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/contrat-de-pret-bancaire-gare-aux-clauses-abusives\/","title":{"rendered":"Contrat de pr\u00eat bancaire : gare aux clauses abusives"},"content":{"rendered":"

Se voyant r\u00e9clamer un remboursement total du pr\u00eat immobilier qu\u2019il a souscrit, un couple d\u00e9cide d\u2019engager la responsabilit\u00e9 de sa banque. Le motif ? Une clause abusive s\u2019est, selon lui, gliss\u00e9e dans l\u2019acte de pr\u00eat\u2026<\/p>\n

\n

Clause abusive : une appr\u00e9ciation au cas par cas<\/h2>\n

Apr\u00e8s avoir obtenu l\u2019octroi d\u2019un pr\u00eat immobilier, un couple se voit r\u00e9clamer, par sa banque, le remboursement int\u00e9gral et anticip\u00e9 de l\u2019int\u00e9gralit\u00e9 de son emprunt.<\/p>\n

\u00ab Une demande autoris\u00e9e par le contrat \u00bb, pr\u00e9cise la banque, qui rappelle qu\u2019une clause de celui-ci lui permet de r\u00e9clamer un tel remboursement si elle prouve qu\u2019au moment de la souscription du pr\u00eat, le couple lui a fourni des renseignements inexacts sur sa situation.<\/p>\n

Ce qui est le cas ici : le couple a, en effet, produit de faux relev\u00e9s de compte \u00e0 l\u2019appui de sa demande de financement, ce qui a fauss\u00e9 son appr\u00e9ciation de la situation.<\/p>\n

Sauf, r\u00e9torque le couple, que la clause dont se pr\u00e9vaut la banque n\u2019est pas valable : en permettant \u00e0 celle-ci de r\u00e9silier le contrat de pr\u00eat sans pr\u00e9avis, cette clause cr\u00e9e un d\u00e9s\u00e9quilibre important entre les droits et obligations des parties au contrat\u2026 ce qui la rend abusive.<\/p>\n

D\u2019autant, poursuit le couple, qu\u2019il n\u2019a jamais failli \u00e0 son obligation de remboursement de ses mensualit\u00e9s de pr\u00eat.<\/p>\n

\u00ab Mais peu importe \u00bb r\u00e9pond le juge : la possibilit\u00e9 de r\u00e9siliation anticip\u00e9e offerte \u00e0 la banque est limit\u00e9e au seul cas dans lequel les emprunteurs ont fourni des renseignements inexacts sur des \u00e9l\u00e9ments d\u00e9terminants de son consentement. En d\u2019autres termes, au seul cas dans lequel le couple a fait preuve de mauvaise foi lors de la souscription du pr\u00eat\u2026<\/p>\n

En outre, poursuit le juge, la pr\u00e9sence de cette clause ne privait pas le couple de pouvoir contester son application en justice, ce qu\u2019il a d\u2019ailleurs fait.<\/p>\n

D\u00e8s lors, et m\u00eame si elle ne pr\u00e9voit pas le respect d\u2019un pr\u00e9avis, la clause du contrat dont se pr\u00e9vaut la banque est parfaitement valable. Celle-ci peut donc obtenir le remboursement anticip\u00e9 et int\u00e9gral de l\u2019emprunt consenti au couple\u2026<\/p>\n

Source : Arr\u00eat de la Cour de cassation, 1\u00e8re chambre civile, du 20 janvier 2021, n\u00b0 18-24297 (NP)<\/p>\n

Contrat de pr\u00eat bancaire : \u00ab abusive, vous avez dit abusive ? \u00bb <\/a>\u00a9 Copyright WebLex – 2021<\/p>\n<\/div>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Se voyant r\u00e9clamer un remboursement total du pr\u00eat immobilier qu\u2019il a souscrit, un couple d\u00e9cide d\u2019engager la responsabilit\u00e9 de sa banque. Le motif ? Une clause abusive s\u2019est, selon lui, gliss\u00e9e dans l\u2019acte de pr\u00eat\u2026<\/p>\n","protected":false},"author":0,"featured_media":3247,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-le-coin-du-dirigeant"],"acf":[],"yoast_head":"\nContrat de pr\u00eat bancaire : gare aux clauses abusives - Cabinet Magar<\/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.cabinet-magar.fr\/actualites\/contrat-de-pret-bancaire-gare-aux-clauses-abusives\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Contrat de pr\u00eat bancaire : gare aux clauses abusives - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Se voyant r\u00e9clamer un remboursement total du pr\u00eat immobilier qu\u2019il a souscrit, un couple d\u00e9cide d\u2019engager la responsabilit\u00e9 de sa banque. 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