{"id":10569,"date":"2021-03-09T18:22:49","date_gmt":"2021-03-09T17:22:49","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=10569"},"modified":"2021-03-09T18:22:54","modified_gmt":"2021-03-09T17:22:54","slug":"nullite-du-pret-hypothecaire-lorsque-le-montant-effectivement-verse-est-inferieur-au-capital-declare","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/nullite-du-pret-hypothecaire-lorsque-le-montant-effectivement-verse-est-inferieur-au-capital-declare\/","title":{"rendered":"Nullit\u00e9 du pr\u00eat hypoth\u00e9caire. Lorsque le montant effectivement vers\u00e9 est inf\u00e9rieur au capital d\u00e9clar\u00e9."},"content":{"rendered":"\n

Il existe de nombreuses raisons pour lesquelles un juge peut d\u00e9terminer la nullit\u00e9 du pr\u00eat hypoth\u00e9caire. Certaines d\u2019entre elles sont pr\u00e9vues dans la loi de l\u2019usure de 1908.  Il y a des hypoth\u00e8ques contraires \u00e0 cette loi, et \u00e0 d\u2019autres.<\/p>\n\n\n\n

Ces pr\u00eats usuraires ont g\u00e9n\u00e9ralement :<\/p>\n\n\n\n

.- Un int\u00e9r\u00eat bien plus \u00e9lev\u00e9 que le taux normal du march\u00e9, pouvant donc \u00eatre d\u00e9clar\u00e9s nuls.<\/p>\n\n\n\n

.- Un int\u00e9r\u00eat de retard (en cas de non-paiement) qui est \u00e9galement abusif.<\/p>\n\n\n\n

.-Le montant du principal effectivement vers\u00e9 est inf\u00e9rieur \u00e0 celui qui a \u00e9t\u00e9 d\u00e9clar\u00e9; ceci rend aussi possible la d\u00e9claration de nullit\u00e9.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

L\u2019arr\u00eat de la Cour supr\u00eame 302\/2020<\/u><\/strong><\/h2>\n\n\n\n

Dans ce jugement, la Cour supr\u00eame a d\u00e9clar\u00e9 la nullit\u00e9 d\u2019un contrat de pr\u00eat hypoth\u00e9caire sur la base de l\u2019article 1 de la loi du 23 juillet 1908 sur l\u2019usure. \u00c9tant nul :<\/p>\n\n\n\n

 \u00ab\u00a0un contrat indiquant avoir re\u00e7u une somme plus \u00e9lev\u00e9e que celle qui a r\u00e9ellement \u00e9t\u00e9 vers\u00e9e, quelles que soient son entit\u00e9 et ses circonstances\u00a0\u00bb.<\/u><\/em><\/p>\n\n\n\n

Ainsi, dans ce jugement et dans d\u2019autres pr\u00e9c\u00e9dents, la Cour supr\u00eame parle du \u201cpr\u00eat falsifi\u00e9\u201d<\/strong>. Celui par lequel, de mani\u00e8re frauduleuse, on obtient et on cache une r\u00e9mun\u00e9ration au pr\u00eateur, car on d\u00e9clare avoir pr\u00eat\u00e9 un montant plus \u00e9lev\u00e9 qui celui qui a r\u00e9ellement \u00e9t\u00e9 vers\u00e9.<\/strong><\/p>\n\n\n\n

Nous ne sommes pas face \u00e0 un contrat hypoth\u00e9caire ou pr\u00eat hypoth\u00e9caire nul, si :<\/p>\n\n\n\n

.- Les int\u00e9r\u00eats sont vers\u00e9s \u00e0 l\u2019avance.<\/p>\n\n\n\n

.- Il y a des sommes \u00e0 d\u00e9duire pour des services rendus.<\/p>\n\n\n\n

.- L\u2019on retient de l\u2019argent du pr\u00eat pour payer des dettes ou des d\u00e9penses.<\/p>\n\n\n\n

Ceci, bien s\u00fbr, doit se faire correctement, doit correspondre \u00e0 la r\u00e9alit\u00e9, etc.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

Pr\u00eat falsifi\u00e9 ou nul<\/u><\/strong><\/h2>\n\n\n\n

Dans l\u2019affaire jug\u00e9e, il avait \u00e9t\u00e9 d\u00e9clar\u00e9 qu\u2019un montant avait \u00e9t\u00e9 remis au client, une partie par ch\u00e8que et une autre en esp\u00e8ces, mais ce n\u2019\u00e9tait pas vrai. Et en outre, il avait \u00e9t\u00e9 dit qu\u2019une partie correspondait \u00e0 des frais de courtage, des provisions pour frais, des int\u00e9r\u00eats, etc.<\/p>\n\n\n\n

En r\u00e9alit\u00e9, ce qui \u00e9tait masqu\u00e9, c\u2019est que l\u2019on d\u00e9clarait une somme plus \u00e9lev\u00e9e \u00e0 la vraiment vers\u00e9e.<\/p>\n\n\n\n

La Cour supr\u00eame arrive \u00e0 cette conclusion, pour plusieurs faits :<\/p>\n\n\n\n

.- Le paiement anticip\u00e9 des int\u00e9r\u00eats, montant qui n\u2019a pas \u00e9t\u00e9 remis au client, emprunteur.<\/p>\n\n\n\n

.- Pas d\u2019explication \u00e0 propos des services de courtage factur\u00e9s.<\/p>\n\n\n\n

.- Manque de pr\u00e9cision sur les d\u00e9penses \u00e0 payer avec les retenues effectu\u00e9es.<\/p>\n\n\n\n

.- Paiement de concepts non mat\u00e9rialis\u00e9s.<\/p>\n\n\n\n

.- Retenues disproportionn\u00e9es par rapport au principal.<\/p>\n\n\n\n

Etc.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

Cons\u00e9quences<\/u><\/strong><\/h2>\n\n\n\n

Dans le cas o\u00f9 il est d\u00e9clar\u00e9 qu\u2019une somme plus \u00e9lev\u00e9e \u00e0 la r\u00e9elle a \u00e9t\u00e9 vers\u00e9e, le pr\u00eat hypoth\u00e9caire doit \u00eatre d\u00e9clar\u00e9 nul<\/u>.<\/strong><\/p>\n\n\n\n

Cette nullit\u00e9 implique que :<\/p>\n\n\n\n

.- Les emprunteurs ou les clients doivent rembourser le montant r\u00e9ellement re\u00e7u.<\/p>\n\n\n\n

.- La propri\u00e9t\u00e9 n\u2019a plus de charges.<\/p>\n\n\n\n

.- Le pr\u00eateur doit restituer les sommes per\u00e7ues.<\/p>\n\n\n\n

Et si, en raison du non-paiement, une proc\u00e9dure de forclusion a \u00e9t\u00e9 engag\u00e9e, elle doit \u00e9galement \u00eatre annul\u00e9e.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

Conclusion<\/u><\/strong><\/h2>\n\n\n\n

Si vous avez \u00e9t\u00e9 victime d\u2019un faux pr\u00eat, vous avez d\u00e9clar\u00e9 avoir re\u00e7u plus d\u2019argent que vous n\u2019en avez re\u00e7u, vous pouvez r\u00e9clamer en justice la nullit\u00e9 du pr\u00eat hypoth\u00e9caire.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Si vous avez des doutes concernant un pr\u00eat ou un contrat abusif, consultez nos services judiciaires sur notre site internet<\/a> et contactez-nous.<\/a><\/p>\n\n\n\n

Vous pouvez rester inform\u00e9s \u00e0 travers notre page Facebook. <\/a><\/p>\n\n\n\n

<\/p>\n\n\n\n

L\u2019information fournie dans cet article ne pr\u00e9tend pas \u00eatre un conseil l\u00e9gal\u00a0; il transmet simplement des renseignements d\u2019ordre g\u00e9n\u00e9ral sur des questions juridiques.<\/p>\n\n\n\n

Carlos Baos (Avocat)<\/p>\n\n\n\n

White & Baos.<\/p>\n\n\n\n

T\u00e9l : +34 966 426 185<\/p>\n\n\n\n

E-mail : info@white-baos.com<\/p>\n\n\n\n

White & Baos 2021 \u2013 Tous droits r\u00e9serv\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"

Nullit\u00e9 du pr\u00eat hypoth\u00e9caire en Espagne. Versement inf\u00e9rieur. […]<\/p>\n

Lire la suite…<\/a><\/p>\n","protected":false},"author":2,"featured_media":10556,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[517],"tags":[1027],"class_list":["post-10569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-bancaire-espagnol-recours-contre-des-etablissements-bancaires-pour-la-vente-de-participations-preferentielles-et-de-produits-financiers-complexes","tag-nullite-pret-hypothecaire"],"yoast_head":"\nNullit\u00e9 du pr\u00eat hypoth\u00e9caire en Espagne. Versement inf\u00e9rieur.<\/title>\n<meta name=\"description\" content=\"Droit bancaire. Cabinet d\u2019avocats. 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