{"id":13545,"date":"2015-09-10T14:13:21","date_gmt":"2015-09-10T12:13:21","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/immobilier\/achat-immobilier-les-conditions-suspensives-du-compromis-de-vente.html"},"modified":"2021-09-16T15:23:25","modified_gmt":"2021-09-16T13:23:25","slug":"achat-immobilier-les-conditions-suspensives-du-compromis-de-vente","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/immobilier\/achat-immobilier-les-conditions-suspensives-du-compromis-de-vente.html","title":{"rendered":"Achat immobilier : les conditions suspensives du compromis de vente"},"content":{"rendered":"

Quand on ach\u00e8te un logement, mieux vaut ne pas trop h\u00e9siter. La loi permet \u00e0 l’acqu\u00e9reur d’annuler la transaction pr\u00e9vue apr\u00e8s la signature d’un compromis de vente mais seulement dans certains cas sp\u00e9cifiques.<\/p>\n

<\/span>\u2022 D\u00e9lai l\u00e9gal de r\u00e9tractation de 10 jours<\/span><\/h2>\n

Depuis le 14 mai 2016, la loi donne dix jours \u00e0 l’acqu\u00e9reur pour r\u00e9fl\u00e9chir<\/strong>\u00a0une fois la promesse de vente sign\u00e9e et \u00e9ventuellement changer d’avis. Aucun motif particulier n’a besoin d’\u00eatre invoqu\u00e9 l\u00e9galement. Les sommes vers\u00e9es par l’acheteur (indemnit\u00e9 d’immobilisation, d\u00e9p\u00f4t de garantie) doivent lui \u00eatre restitu\u00e9es.<\/p>\n

Le d\u00e9lai court \u00e0 partir du jour suivant la remise ou r\u00e9ception de l’avant-contrat. La loi requiert de l’acqu\u00e9reur d’inscrire express\u00e9ment ce droit de r\u00e9tractation sur l’avant-contrat sous la forme suivante :\u00a0\u00ab Je d\u00e9clare avoir connaissance qu’un d\u00e9lai de r\u00e9tractation de dix jours m’est accord\u00e9 par l’article L. 271-1 du code de la construction et de l’habitation<\/a>, et qu’il court \u00e0 compter du lendemain de la date de remise inscrite de ma main sur le pr\u00e9sent acte, soit \u00e0 compter du…<\/em> \u00bb<\/p>\n

A savoir :<\/strong> Si l’acheteur se r\u00e9tracte en dehors du d\u00e9lai l\u00e9gal de dix jours et ne peut pas invoquer une des conditions suspensives, le d\u00e9p\u00f4t de garantie vers\u00e9 \u00e0 la signature de l’avant-contrat ne lui sera pas restitu\u00e9. Si une clause p\u00e9nale est inscrite (10% du prix), elle pourra \u00eatre activ\u00e9e.<\/p>\n

<\/span>\u2022 Non-obtention du cr\u00e9dit immobilier<\/span><\/h2>\n

Une fois le d\u00e9lai l\u00e9gal de r\u00e9tractation \u00e9puis\u00e9, un acheteur peut encore annuler une vente sans frais. N\u00e9anmoins, il ne s’agit que de situations o\u00f9 il est contraint de renoncer \u00e0 son projet, la plus connue \u00e9tant l’impossibilit\u00e9 d’obtenir un cr\u00e9dit immobilier dans les d\u00e9lais convenus (45-60 jours). Si l’acqu\u00e9reur a besoin d’un financement bancaire pour conclure la vente et qu’il ne l’obtient pas, sa responsabilit\u00e9 n’est pas engag\u00e9e dans l’\u00e9chec de la transaction, sous r\u00e9serve que cette clause d’annulation soit inscrite dans l’avant-contrat.<\/p>\n

A savoir :<\/strong> Cette condition vaut \u00e9galement si l’acqu\u00e9reur n’a pas pu obtenir d’assurance de pr\u00eat<\/strong><\/a> pour son cr\u00e9dit immobilier, selon un jugement de la cour d’appel de Toulouse dat\u00e9 du 6 juillet 2015.<\/p>\n

Attention toutefois, l’acqu\u00e9reur peut se voir refuser l’application de cette clause suspensive. Dans un arr\u00eat rendu le 20 novembre 2013, la Cour de cassation avait ainsi donn\u00e9 tort \u00e0 une acheteuse<\/strong><\/a> qui s’\u00e9tait vu refuser un cr\u00e9dit immobilier \u00e0 un taux plus bas que la limite inscrite dans l’avant-contrat.<\/p>\n

<\/span>\u2022 Servitude d’urbanisme, pr\u00e9emption et hypoth\u00e8que<\/span><\/h2>\n

Trois autres conditions suspensives, plus rarement activ\u00e9es, existent. La vente peut \u00eatre annul\u00e9e lorsqu’une servitude d’urbanisme gr\u00e8ve la jouissance du bien. Il en va de m\u00eame si la mairie d\u00e9cide de pr\u00e9empter le bien lors de sa mise en vente, comme \u00e0 Paris par exemple<\/strong>.<\/p>\n

Pour aller plus loin : Droit de pr\u00e9emption, les documents exigibles du propri\u00e9taire<\/a><\/strong><\/p>\n

Enfin, si le bien est grev\u00e9 d’hypoth\u00e8ques d’une valeur sup\u00e9rieure \u00e0 celle du logement, la vente doit \u00eatre suspendue. Dans le cas contraire, l’acqu\u00e9reur deviendrait responsable des dettes restantes.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"

L’acheteur d’un bien immobilier peut annuler la transaction apr\u00e8s avoir sign\u00e9 une promesse de vente, mais seulement dans certaines conditions. Le point sur les clauses suspensives de l’achat immobilier. \u00a0<\/p>\n","protected":false},"author":13710,"featured_media":13544,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-13545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-demarches-achat"],"acf":[],"yoast_head":"\nAchat immobilier : les conditions suspensives du compromis de vente<\/title>\n<meta name=\"description\" content=\"L'acheteur d'un bien immobilier peut annuler la transaction apr\u00e8s avoir sign\u00e9 une promesse de vente, mais seulement dans certaines conditions. 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