{"id":13095,"date":"2023-04-17T14:21:45","date_gmt":"2023-04-17T12:21:45","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=13095"},"modified":"2023-04-17T14:21:48","modified_gmt":"2023-04-17T12:21:48","slug":"reclamer-les-frais-douverture","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/reclamer-les-frais-douverture\/","title":{"rendered":"Il est d\u00e9sormais possible de r\u00e9clamer les frais d\u2019ouverture de l\u2019hypoth\u00e8que (pr\u00eat hypoth\u00e9caire) en Espagne. Nouvel arr\u00eat de la Cour de justice de l\u2019Union Europ\u00e9enne. R\u00e9clamez maintenant"},"content":{"rendered":"\n

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Ce n\u2019est pas la premi\u00e8re fois que nous parlons dans nos articles des abus des entit\u00e9s bancaires et des condamnations judiciaires que les tribunaux ont prononc\u00e9es en faveur des consommateurs\u00a0: les \u201cclauses de taux plancher<\/a>\u201d, le swap hypoth\u00e9caire<\/a>, les\u00a0 cartes revolving<\/a>, le paiement des \u00a0frais du cabinet de gestion<\/a>, la responsabilit\u00e9 bancaire en cas de phishing<\/a>, etc. Dans cet article, nous analysons d\u00e9sormais le r\u00e9cent arr\u00eat de la Cour de justice de l\u2019Union Europ\u00e9enne (CJUE.) et la possibilit\u00e9 de r\u00e9clamer les frais d\u2019ouverture des hypoth\u00e8ques. Et nous expliquons si cela ouvre vraiment une nouvelle porte aux r\u00e9clamations massives des consommateurs.<\/p>\n\n\n\n

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

Qu\u2019est-ce que les frais d\u2019ouverture des hypoth\u00e8ques ?<\/u><\/strong><\/h2>\n\n\n\n

Selon la Banque d\u2019Espagne<\/a> elle-m\u00eame, les frais d\u2019ouverture d\u2019une hypoth\u00e8que comprennent les d\u00e9marches administratives effectu\u00e9es par la banque pour accorder le pr\u00eat\u00a0: l\u2019\u00e9tude sur le profil du candidat (s\u2019il est solvable ou non), les risques de l\u2019op\u00e9ration, les frais de \u201cgestion\u201d et de \u201ctraitement\u201d, etc.<\/p>\n\n\n\n

En g\u00e9n\u00e9ral, cela repr\u00e9sente de 0,5% \u00e0 2,0% du montant de l\u2019hypoth\u00e8que. Ainsi, pour une hypoth\u00e8que de 200 000 \u20ac, les frais d\u2019ouverture peuvent aller de 1 000 \u20ac \u00e0 4 000 \u20ac. En fonction de la banque (et du type d\u2019hypoth\u00e8que), le montant peut \u00eatre inf\u00e9rieur ou sup\u00e9rieur.<\/p>\n\n\n\n

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

Quelle est la position des tribunaux espagnols par rapport aux frais d\u2019ouverture jusqu\u2019\u00e0 pr\u00e9sent ?<\/u><\/strong><\/h2>\n\n\n\n

Les frais d\u2019ouverture ont \u00e9t\u00e9, depuis de nombreuses ann\u00e9es, une source de pol\u00e9mique entre consommateurs et banques. Jusqu\u2019\u00e0 pr\u00e9sent, la Cour Supr\u00eame<\/a> (le TS, par ses sigles en espagnol) consid\u00e9rait qu\u2019il n\u2019\u00e9tait pas possible d\u2019\u00e9valuer si les frais d\u2019ouverture \u00e9taient abusifs ou non. Pourquoi ? Selon le TS, les frais d\u2019ouverture \u00e9taient un \u201c\u00e9l\u00e9ment essentiel\u201d du contrat de pr\u00eat et l\u2019article 4.2 de la directive europ\u00e9enne 93\/13<\/a>, emp\u00eachait les tribunaux d\u2019appr\u00e9cier si une clause \u201cessentielle\u201d \u00e9tait abusive ou non.<\/p>\n\n\n\n

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

Chronologie : premier arr\u00eat de la CJUE et r\u00e9ponse de la Cour supr\u00eame.<\/u><\/strong><\/h2>\n\n\n\n

D\u00e9but 2019, deux tribunaux espagnols (Majorque et Ceuta) saisirent la CJUE d\u2019une requ\u00eate sur la possibilit\u00e9 de r\u00e9clamer les frais d\u2019ouverture pour abus. Le 16 juillet 2020, la CJUE r\u00e9pond que cette commission de frais d\u2019ouverture, bien qu\u2019incluse dans le prix total factur\u00e9 au consommateur pour l\u2019hypoth\u00e8que, ne fait pas partie de l\u2019objet principal du contrat et que, par cons\u00e9quent, les juges espagnols peuvent bien s\u00fbr \u00e9valuer si les frais d\u2019ouverture sont abusifs<\/a> ou non, devant \u00e9tudier cas par cas.<\/p>\n\n\n\n

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

Deuxi\u00e8me arr\u00eat de la CJUE : les frais d\u2019ouverture peuvent \u00eatre abusifs et nuls et non avenus. <\/u><\/strong><\/h2>\n\n\n\n

Insatisfaite de cette r\u00e9ponse (qui contredisait la jurisprudence favorable aux banques appliqu\u00e9e alors en Espagne) le TS a demand\u00e9 des pr\u00e9cisions \u00e0 la CJUE. La r\u00e9ponse de la CJUE est arriv\u00e9e le 16 mars 2023<\/a>, avec un arr\u00eat qui se place du c\u00f4t\u00e9 du consommateur et ne laisse nulle place au doute. Les frais d\u2019ouverture ne font pas partie de l\u2019objet principal du contrat de pr\u00eat, il ne s\u2019agit pas d\u2019une clause essentielle mais d\u2019une clause accessoire. Donc, les tribunaux nationaux (dans ce cas, les espagnols) peuvent effectivement appr\u00e9cier, au cas par cas, si cette commission est abusive ou non.<\/p>\n\n\n\n

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

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

Reste \u00e0 savoir quel va \u00eatre d\u00e9sormais le crit\u00e8re que retiendra la Cour supr\u00eame, mais cet arr\u00eat ouvre la porte \u00e0 tous ceux qui ont sign\u00e9 un pr\u00eat hypoth\u00e9caire aupr\u00e8s d\u2019une banque : ils peuvent r\u00e9clamer les frais d\u2019ouverture pay\u00e9s pour leur hypoth\u00e8que.<\/p>\n\n\n\n

Chez White-Baos nous sommes experts en droit bancaire judiciaire<\/a> et nous avons aid\u00e9 de nombreux clients \u00e0 r\u00e9clamer avec succ\u00e8s les clauses dites plancher, etc. Ainsi, r\u00e9clamez les frais d\u2019ouverture de votre hypoth\u00e8que pour abus. Pour ce, envoyez-nous votre documentation : l\u2019acte du pr\u00eat hypoth\u00e9caire et les justificatifs de paiement des frais d\u2019ouverture et nous \u00e9tudierons votre cas. N\u2019h\u00e9sitez pas \u00e0 nous contacter<\/a> pour recevoir un conseil juridique expert en droit bancaire et de la consommation.<\/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<\/a><\/p>\n\n\n\n

White & Baos 2023 \u2013 Tous les droits r\u00e9serv\u00e9s.<\/p>\n\n\n\n

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

Vous pourriez \u00eatre int\u00e9ress\u00e9 par les services et les articles suivants <\/u><\/strong>:<\/u><\/strong><\/u><\/strong><\/h2>\n\n\n\n
R\u00e9clamez contre votre banque pour la clause plancher de votre hypoth\u00e8que. Sans risques ni frais. 100% des jugements gagn\u00e9s<\/a>.<\/h5>\n\n\n\n
Nouveau succ\u00e8s judiciaire. Le tribunal annule l\u2019hypoth\u00e8que multidevise impos\u00e9e \u00e0 un de nos clients et oblige la banque \u00e0 recalculer le pr\u00eat en euros et \u00e0 rembourser le trop-pay\u00e9.<\/a><\/h5>\n\n\n\n
Nullit\u00e9 des assurances vie impos\u00e9es par les banques aux clients qui demandaient un pr\u00eat hypoth\u00e9caire en Espagne. R\u00e9clamer le remboursement de ce qui a \u00e9t\u00e9 pay\u00e9.<\/a><\/h5>\n\n\n\n

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

R\u00e9clamer les frais d\u2019ouverture. Hypoth\u00e8que. Clause abusive. R\u00e9cup\u00e9rez votre argent. Cour de justice de l\u2019Union Europ\u00e9enne. Banques. Conseil juridique. Avocats espagnols. […]<\/p>\n

Lire la suite…<\/a><\/p>\n","protected":false},"author":2,"featured_media":13086,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[517,513],"tags":[1477],"yoast_head":"\nR\u00e9clamer les frais d\u2019ouverture. Hypoth\u00e8que.<\/title>\n<meta name=\"description\" content=\"R\u00e9clamer les frais d\u2019ouverture. Hypoth\u00e8que. Clause abusive. R\u00e9cup\u00e9rez votre argent. Cour de justice l\u2019Union Europ\u00e9enne. Banques. Conseil\" \/>\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.white-baos.com\/fr\/reclamer-les-frais-douverture\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9clamer les frais d\u2019ouverture. 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