{"id":1219,"date":"2016-03-15T11:04:38","date_gmt":"2016-03-15T10:04:38","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier"},"modified":"2016-03-15T11:05:04","modified_gmt":"2016-03-15T11:05:04","slug":"credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier","title":{"rendered":"Cr\u00e9dit immobilier : en cas d\u2019impay\u00e9s, la banque contr\u00f4le le calendrier"},"content":{"rendered":"\n<p>La marge de man\u0153uvre des emprunteurs en difficult\u00e9 se r\u00e9duit. En cause, un revirement de la doctrine judiciaire \u00e0 l&rsquo;avantage des banques sur la prescription en mati\u00e8re de cr\u00e9dit immobilier. Un arr\u00eat de la Cour de cassation rendu le 10 ao\u00fbt 2014 avait en effet fix\u00e9 le point de d\u00e9part du d\u00e9lai l\u00e9gal de deux ans pour assigner un emprunteur en justice au premier incident de paiement. Autrement dit, les banques n&rsquo;avaient pas de temps \u00e0 perdre : \u00e0 la premi\u00e8re mensualit\u00e9 de remboursement impay\u00e9e, elles ne disposaient que de 24 mois pour \u00e9puiser les possibilit\u00e9s de r\u00e9solution \u00e0 l&rsquo;amiable avant de se tourner vers le tribunal. Un fonctionnement qui pr\u00e9valait <a href=\"https:\/\/credits.toutsurmesfinances.com\/impayes-de-credit-la-banque-a-deux-ans-pour-agir.html\" target=\"_blank\"><strong>m\u00eame lorsque l&#8217;emprunteur affichait sa bonne foi<\/strong><\/a> et cherchait \u00e0 rembourser ses dettes.<\/p>\n<h2>Autant de prescriptions que de mensualit\u00e9s impay\u00e9es<\/h2>\n<p>Mais la donne a radicalement chang\u00e9 depuis le 11 f\u00e9vrier 2016 et la parution de quatre nouveaux arr\u00eats r\u00e9dig\u00e9s par la plus haute juridiction de l&rsquo;ordre judiciaire fran\u00e7ais. Premier principe \u00e0 retenir : il existe autant de d\u00e9lais de prescription que de mensualit\u00e9s impay\u00e9es. Chaque jugement explique ainsi \u00ab <em>qu&rsquo;\u00e0 l&rsquo;\u00e9gard d&rsquo;une dette payable par termes successifs, la prescription se divise comme la dette elle-m\u00eame<\/em> \u00bb. D\u00e8s lors, lorsque le d\u00e9lai de deux ans apr\u00e8s le premier incident de paiement est \u00e9coul\u00e9, la banque n&rsquo;est plus en mesure d&rsquo;assigner l&#8217;emprunteur en justice pour la mise en paiement de cette mensualit\u00e9 uniquement. En revanche, elle conserve la capacit\u00e9 de mettre fin au pr\u00eat et d&rsquo;exiger son remboursement imm\u00e9diat.<\/p>\n<p>A ce titre, la Cour de cassation a jug\u00e9 que \u00ab <em>l&rsquo;action en paiement du capital restant d\u00fb se prescrit \u00e0 compter de la d\u00e9ch\u00e9ance du terme<\/em> \u00bb, c&rsquo;est-\u00e0-dire la date \u00e0 laquelle la banque met fin au contrat de pr\u00eat et r\u00e9clame l&rsquo;ensemble des sommes dues par l&#8217;emprunteur (capital restant d\u00fb, int\u00e9r\u00eats, p\u00e9nalit\u00e9s). Et tant que la d\u00e9ch\u00e9ance du terme, habituellement pr\u00e9vue dans le contrat de pr\u00eat, n&rsquo;est pas prononc\u00e9e, le d\u00e9lai de prescription reste intact.<\/p>\n<p>Or, seule la banque est en mesure de choisir cette date, ce qui lui permet de contr\u00f4ler le calendrier de la proc\u00e9dure judiciaire : elle est d\u00e9sormais en mesure d&rsquo;adresser un commandement de payer valant saisie immobili\u00e8re puis d&rsquo;assigner un emprunteur en justice dans les deux ans suivant la d\u00e9ch\u00e9ance du terme, ind\u00e9pendamment de la date du premier impay\u00e9. Une v\u00e9ritable r\u00e9volution par rapport \u00e0 l&rsquo;ancienne jurisprudence, sous laquelle \u00ab <em>le banquier pouvait voir ses droits se prescrire avant m\u00eame d&rsquo;avoir prononc\u00e9 la d\u00e9ch\u00e9ance du terme<\/em> \u00bb, <a href=\"http:\/\/www.quechoisir.org\/argent-assurance\/banque-credit\/credit\/actualite-credit-immobilier-la-banque-reprend-le-controle-de-la-prescription\" target=\"_blank\" rel=\"nofollow\">comme le rappelle l&rsquo;association de consommateurs UFC \u2013 Que choisir<\/a> sur son site internet.<\/p>\n<p style=\"background-color: #e5e5e5;\"><strong>Bon \u00e0 savoir :<\/strong> Si la banque dispose de deux ans pour agir en justice avant la prescription des faits, l&#8217;emprunteur b\u00e9n\u00e9ficie pour sa part d&rsquo;un <a href=\"https:\/\/credits.toutsurmesfinances.com\/en-cas-d-erreur-de-la-banque-sur-un-credit-l-emprunteur-a-5-ans-pour-la-signaler.html\" target=\"_blank\"><strong>d\u00e9lai de cinq ans pour signaler une erreur de la banque<\/strong><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Cour de cassation a profond\u00e9ment modifi\u00e9 la jurisprudence applicable au remboursement d&rsquo;un cr\u00e9dit immobilier. Le d\u00e9lai de prescription de deux ans des actions en justice men\u00e9es par la banque court \u00e0 compter de la r\u00e9siliation du contrat de pr\u00eat, prononc\u00e9e par ses soins, et non plus depuis le premier incident de paiement. \u00a0<\/p>\n","protected":false},"author":13710,"featured_media":1218,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9dit immobilier : en cas d\u2019impay\u00e9s, la banque contr\u00f4le le calendrier<\/title>\n<meta name=\"description\" content=\"La Cour de cassation a profond\u00e9ment modifi\u00e9 la jurisprudence applicable au remboursement d&#039;un cr\u00e9dit immobilier. Le d\u00e9lai de prescription de deux ans des actions en justice men\u00e9es par la banque court \u00e0 compter de la r\u00e9siliation du contrat de pr\u00eat, prononc\" \/>\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.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit immobilier : en cas d\u2019impay\u00e9s, la banque contr\u00f4le le calendrier\" \/>\n<meta property=\"og:description\" content=\"La Cour de cassation a profond\u00e9ment modifi\u00e9 la jurisprudence applicable au remboursement d&#039;un cr\u00e9dit immobilier. Le d\u00e9lai de prescription de deux ans des actions en justice men\u00e9es par la banque court \u00e0 compter de la r\u00e9siliation du contrat de pr\u00eat, prononc\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier\" \/>\n<meta property=\"og:site_name\" content=\"Argent\" \/>\n<meta property=\"article:published_time\" content=\"2016-03-15T10:04:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2016-03-15T11:05:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2016\/03\/balance-justice.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"823\" \/>\n\t<meta property=\"og:image:height\" content=\"464\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Thibault Fingonnet\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:site\" content=\"@Toutsur\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Thibault Fingonnet\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier\"},\"author\":{\"name\":\"Thibault Fingonnet\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#\/schema\/person\/86ed62048219a3c310268cf8e534d65e\"},\"headline\":\"Cr\u00e9dit immobilier : en cas d\u2019impay\u00e9s, la banque contr\u00f4le le calendrier\",\"dateModified\":\"2016-03-15T11:05:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier\"},\"wordCount\":535,\"publisher\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2016\/03\/balance-justice.jpg\",\"articleSection\":[\"Cr\u00e9dit\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier\",\"name\":\"Cr\u00e9dit immobilier : en cas d\u2019impay\u00e9s, la banque contr\u00f4le le calendrier\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/credit-immobilier-en-cas-d-impayes-la-banque-controle-le-calendrier#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/argent\/wp-content\/uploads\/sites\/3\/2016\/03\/balance-justice.jpg\",\"dateModified\":\"2016-03-15T11:05:04+00:00\",\"description\":\"La Cour de cassation a profond\u00e9ment modifi\u00e9 la jurisprudence applicable au remboursement d'un cr\u00e9dit immobilier. 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