{"id":10590,"date":"2021-03-11T18:54:33","date_gmt":"2021-03-11T17:54:33","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=10590"},"modified":"2021-03-11T18:54:37","modified_gmt":"2021-03-11T17:54:37","slug":"reclamer-le-cout-de-lestimation-immobiliere-paye-lors-de-la-signature-de-lacte-de-credit-hypothecaire-reclamez-votre-argent","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/reclamer-le-cout-de-lestimation-immobiliere-paye-lors-de-la-signature-de-lacte-de-credit-hypothecaire-reclamez-votre-argent\/","title":{"rendered":"R\u00e9clamer le co\u00fbt de l\u2019estimation immobili\u00e8re pay\u00e9 lors de la signature de l\u2019acte de cr\u00e9dit hypoth\u00e9caire. R\u00e9clamez votre argent."},"content":{"rendered":"\n

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

L\u2019estimation immobili\u00e8re<\/u><\/strong><\/h2>\n\n\n\n

En Espagne, lorsque nous nous adressons \u00e0 une banque pour demander un pr\u00eat hypoth\u00e9caire, elle demande une estimation immobili\u00e8re. Il s\u2019agit d\u2019une \u00e9valuation \u00e9conomique de la propri\u00e9t\u00e9. Elle sert de guide \u00e0 la banque, pour conna\u00eetre la valeur du bien qui sera la garantie du remboursement du pr\u00eat. Mais, peut-on r\u00e9clamer le co\u00fbt de l\u2019estimation immobili\u00e8re ?<\/u> Puis-je r\u00e9clamer \u00e0 la banque ?<\/u><\/strong><\/p>\n\n\n\n

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

Nullit\u00e9 de la clause de frais<\/u><\/strong><\/h2>\n\n\n\n

Comme nous l\u2019avons signal\u00e9 \u00e0 maintes reprises, bon nombre des clauses de d\u00e9penses des pr\u00eats immobiliers sont nulles : lorsqu\u2019elles indiquent que toutes les d\u00e9penses seront pay\u00e9es par les clientes, elles sont ABUSIVES.<\/p>\n\n\n\n

Par cons\u00e9quent, si les clauses sont d\u00e9clar\u00e9es nulles, le co\u00fbt de l\u2019estimation immobili\u00e8re sera pay\u00e9 par celui qui est tenu par la loi de le faire. Et le client pourra r\u00e9clamer de se faire rembourser si ce n\u2019\u00e9tait pas \u00e0 lui de payer.<\/p>\n\n\n\n

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

Qui doit payer l\u2019estimation<\/u><\/strong><\/h2>\n\n\n\n

Au cours de ces ann\u00e9es, les tribunaux espagnols ont rendu des d\u00e9cisions tr\u00e8s diff\u00e9rentes \u00e0 ce propos. Certains ont estim\u00e9 que la d\u00e9pense correspondait au client, d\u2019autres \u00e0 la banque, etc.<\/p>\n\n\n\n

Mais la v\u00e9rit\u00e9 est que l\u2019estimation est surtout utile \u00e0 la banque. \u00c0 notre avis :<\/p>\n\n\n\n

.- L\u2019estimation permet \u00e0 l\u2019entit\u00e9 de conna\u00eetre la valeur qui servira comme garantie pour le pr\u00eat.<\/p>\n\n\n\n

.- De plus, en cas de non-paiement du pr\u00eat, la banque en a besoin obligatoirement pour pouvoir demander la forclusion directe de l\u2019hypoth\u00e8que.<\/p>\n\n\n\n

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

La d\u00e9cision de la Cour supr\u00eame<\/u><\/strong><\/h2>\n\n\n\n

Mais, finalement, la Cour supr\u00eame a r\u00e9solu cette question dans son arr\u00eat du 27\/01\/2021, num\u00e9ro 35\/2021.  Elle y dit essentiellement que :<\/p>\n\n\n\n

.- Les d\u00e9penses dites d\u2019estimation sont le co\u00fbt de l\u2019estimation de la propri\u00e9t\u00e9 sur laquelle la garantie hypoth\u00e9caire doit \u00eatre constitu\u00e9e.<\/p>\n\n\n\n

.- L\u2019estimation, ne constitue pas, \u00e0 proprement parler, une condition de validit\u00e9 de l\u2019hypoth\u00e8que.<\/p>\n\n\n\n

.- Qu\u2019aucune r\u00e9glementation en vigueur (jusqu\u2019\u00e0 la loi de 2019) n\u2019indiquait qui devait payer ce co\u00fbt.<\/p>\n\n\n\n

.- Qu\u2019avec l\u2019approbation de la loi 5\/2019 il a \u00e9t\u00e9 \u00e9tabli que le co\u00fbt de l\u2019estimation immobili\u00e8re correspond \u00e0 l\u2019emprunteur<\/strong>, c\u2019est-\u00e0-dire, au client.<\/p>\n\n\n\n

.- Mais, que se passe-t-il avec les pr\u00eats auxquels on n\u2019applique pas la loi 5\/2019, parce qu\u2019ils sont ant\u00e9rieurs? Pour ceux-l\u00e0, il faut appliquer l\u2019arr\u00eat de la Cour de justice de l\u2019Union europ\u00e9enne du 16\/7\/2020 : \u00a0en l\u2019absence d\u2019une r\u00e8gle imposant des frais au client, s\u2019il n\u2019y a pas d\u2019accord, en cas de d\u00e9claration de nullit\u00e9 de la clause de frais, c\u2019est la banque qui doit restituer le montant pay\u00e9 par le client.<\/p>\n\n\n\n

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

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

Nous pouvons donc conclure que :<\/p>\n\n\n\n

.- On peut r\u00e9clamer le co\u00fbt de l\u2019estimation immobili\u00e8re, et r\u00e9cup\u00e9rer ce qui a \u00e9t\u00e9 pay\u00e9 par le client, pour les pr\u00eats datant d\u2019avant l\u2019approbation de la loi 5\/2019.<\/p>\n\n\n\n

.- Il n\u2019est pas possible pour les pr\u00eats hypoth\u00e9caires auxquels s\u2019applique la loi 5\/2019, car les frais de l\u2019estimation immobili\u00e8re doivent \u00eatre pay\u00e9s par le client, l\u2019emprunteur.<\/p>\n\n\n\n

En principe, et en raison de l\u2019\u00e9ventuelle prescription de l\u2019action, ceux qui pourront r\u00e9clamer sont ceux dont l\u2019hypoth\u00e8que n\u2019a pas plus de 5 ans.<\/p>\n\n\n\n

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

Si vous avez des questions sur la mani\u00e8re de r\u00e9clamer \u00e0 la banque, contactez-nous.<\/a> <\/p>\n\n\n\n

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

L\u2019information fournie dans cet article ne pr\u00e9tend pas \u00eatre un conseil l\u00e9gal ; 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 les droits r\u00e9serv\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"

R\u00e9clamer le co\u00fbt de l\u2019estimation immobili\u00e8re pay\u00e9 pour souscrire une hypoth\u00e8que […]<\/p>\n

Lire la suite…<\/a><\/p>\n","protected":false},"author":2,"featured_media":10581,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[513],"tags":[1037,1036],"class_list":["post-10590","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande","tag-clause-de-frais","tag-cout-estimation-immobiliere"],"yoast_head":"\nR\u00e9clamer le co\u00fbt de l\u2019estimation immobili\u00e8re.<\/title>\n<meta name=\"description\" content=\"Droit bancaire. Cabinet d\u2019avocat. Nullit\u00e9 clause de frais. 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