{"id":3678,"date":"2023-03-22T09:10:38","date_gmt":"2023-03-22T08:10:38","guid":{"rendered":"https:\/\/gavelsabogados.com\/?p=3678"},"modified":"2025-04-13T23:34:44","modified_gmt":"2025-04-13T21:34:44","slug":"selon-la-cjue-les-frais-darrangement-sur-les-prets-hypothecaires-peuvent-faire-lobjet-dune-analyse-de-liniquite","status":"publish","type":"post","link":"https:\/\/gavelsabogados.com\/fr\/selon-la-cjue-les-frais-darrangement-sur-les-prets-hypothecaires-peuvent-faire-lobjet-dune-analyse-de-liniquite\/","title":{"rendered":"Selon la CJUE, les frais d’arrangement sur les pr\u00eats hypoth\u00e9caires peuvent faire l’objet d’une analyse de l’iniquit\u00e9."},"content":{"rendered":"

De nos jours, l’achat d’un bien immobilier n\u00e9cessite g\u00e9n\u00e9ralement la souscription d’un pr\u00eat hypoth\u00e9caire. Ces pr\u00eats bancaires sont assortis de frais de dossier, c’est-\u00e0-dire d’un pourcentage g\u00e9n\u00e9ralement compris entre 0,5 et 1 % du montant du pr\u00eat lui-m\u00eame, que les banques ajoutent au montant de l’hypoth\u00e8que pour le traitement du pr\u00eat, factur\u00e9 en une seule fois.<\/p>\n

Le 16 mars 2023, la Cour de justice de l’Union europ\u00e9enne (CJUE) a rendu un nouvel arr\u00eat (affaire C-565\/21), suite \u00e0 un recours introduit par Caixabank contre un consommateur qui r\u00e9clamait la nullit\u00e9 de la clause incluant la commission d’arrangement, par lequel la CJUE confirme que la commission d’arrangement factur\u00e9e par les banques pour l’ouverture d’un pr\u00eat hypoth\u00e9caire peut \u00eatre abusive si certaines exigences de transparence ne sont pas respect\u00e9es.<\/p>\n

Contrairement \u00e0 la jurisprudence espagnole, qui consid\u00e9rait que la commission d’arrangement r\u00e9glementait un \u00e9l\u00e9ment essentiel du contrat et constituait donc un \u00e9l\u00e9ment principal du prix, et ne pouvait \u00eatre consid\u00e9r\u00e9e comme abusive si elle \u00e9tait r\u00e9dig\u00e9e de mani\u00e8re claire et compr\u00e9hensible, la CJUE s’oppose \u00e0 la jurisprudence nationale traditionnelle et pr\u00e9cise qu’elle doit \u00eatre \u00ab accessoire \u00bb au contrat de pr\u00eat hypoth\u00e9caire, et donc que son caract\u00e8re abusif peut \u00eatre appr\u00e9ci\u00e9.<\/p>\n

En ce qui concerne les cas o\u00f9 une commission d’arrangement peut \u00eatre abusive, la CJUE pr\u00e9cise qu’elle le sera lorsqu’elle est appliqu\u00e9e de mani\u00e8re abusive ou avec un manque de transparence, comme ce serait le cas si une banque ne fournissait pas d’informations claires, pr\u00e9cises et compr\u00e9hensibles sur l’application de cette commission, ou par exemple, si son montant ne correspondait pas aux services effectivement fournis.<\/p>\n

En tout \u00e9tat de cause, toutes ces informations doivent \u00eatre consign\u00e9es par \u00e9crit dans les clauses du pr\u00eat et doivent \u00eatre expliqu\u00e9es \u00e0 l’utilisateur. \u00c0 partir de l\u00e0, le juge national devra d\u00e9cider si la commission d’ouverture de dossier appliqu\u00e9e peut \u00eatre consid\u00e9r\u00e9e comme abusive. Dans ce cas, l’utilisateur pourra r\u00e9clamer 100 % de la commission. Pour ce faire, il devra envoyer une lettre au service client\u00e8le de l’entit\u00e9 financi\u00e8re qui a accord\u00e9 le pr\u00eat hypoth\u00e9caire et factur\u00e9 les frais d’origination. La banque disposera d’un d\u00e9lai de deux mois pour r\u00e9pondre \u00e0 la lettre de l’utilisateur et, en cas de silence de la part de la banque, l’utilisateur pourra saisir la justice s’il le souhaite.<\/p>\n","protected":false},"excerpt":{"rendered":"

De nos jours, l’achat d’un bien immobilier n\u00e9cessite g\u00e9n\u00e9ralement la souscription d’un pr\u00eat hypoth\u00e9caire. Ces pr\u00eats bancaires sont assortis de frais de dossier, c’est-\u00e0-dire d’un pourcentage g\u00e9n\u00e9ralement compris entre 0,5 et 1 % du montant du pr\u00eat lui-m\u00eame, que les banques ajoutent au montant de l’hypoth\u00e8que pour le traitement du pr\u00eat, factur\u00e9 en une seule […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[34,92,81,55],"tags":[],"class_list":["post-3678","post","type-post","status-publish","format-standard","hentry","category-actualidad-juridica","category-actualites-juridiques","category-droit-commercial","category-droit-immobilier"],"yoast_head":"\nSelon la CJUE, les frais d'arrangement sur les pr\u00eats hypoth\u00e9caires peuvent faire l'objet d'une analyse de l'iniquit\u00e9. - GAVELS ABOGADOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gavelsabogados.com\/fr\/selon-la-cjue-les-frais-darrangement-sur-les-prets-hypothecaires-peuvent-faire-lobjet-dune-analyse-de-liniquite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Selon la CJUE, les frais d'arrangement sur les pr\u00eats hypoth\u00e9caires peuvent faire l'objet d'une analyse de l'iniquit\u00e9. - GAVELS ABOGADOS\" \/>\n<meta property=\"og:description\" content=\"De nos jours, l’achat d’un bien immobilier n\u00e9cessite g\u00e9n\u00e9ralement la souscription d’un pr\u00eat hypoth\u00e9caire. Ces pr\u00eats bancaires sont assortis de frais de dossier, c’est-\u00e0-dire d’un pourcentage g\u00e9n\u00e9ralement compris entre 0,5 et 1 % du montant du pr\u00eat lui-m\u00eame, que les banques ajoutent au montant de l’hypoth\u00e8que pour le traitement du pr\u00eat, factur\u00e9 en une seule […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gavelsabogados.com\/fr\/selon-la-cjue-les-frais-darrangement-sur-les-prets-hypothecaires-peuvent-faire-lobjet-dune-analyse-de-liniquite\/\" \/>\n<meta property=\"og:site_name\" content=\"GAVELS ABOGADOS\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-22T08:10:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-13T21:34:44+00:00\" \/>\n<meta name=\"author\" content=\"Gavels_web\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gavels_web\" \/>\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:\/\/gavelsabogados.com\/fr\/selon-la-cjue-les-frais-darrangement-sur-les-prets-hypothecaires-peuvent-faire-lobjet-dune-analyse-de-liniquite\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/gavelsabogados.com\/fr\/selon-la-cjue-les-frais-darrangement-sur-les-prets-hypothecaires-peuvent-faire-lobjet-dune-analyse-de-liniquite\/\"},\"author\":{\"name\":\"Gavels_web\",\"@id\":\"https:\/\/gavelsabogados.com\/en\/#\/schema\/person\/5c50aabc22d11bb0d1688cde2ffe33a2\"},\"headline\":\"Selon la CJUE, les frais d’arrangement sur les pr\u00eats hypoth\u00e9caires peuvent faire l’objet d’une analyse de l’iniquit\u00e9.\",\"datePublished\":\"2023-03-22T08:10:38+00:00\",\"dateModified\":\"2025-04-13T21:34:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/gavelsabogados.com\/fr\/selon-la-cjue-les-frais-darrangement-sur-les-prets-hypothecaires-peuvent-faire-lobjet-dune-analyse-de-liniquite\/\"},\"wordCount\":467,\"publisher\":{\"@id\":\"https:\/\/gavelsabogados.com\/en\/#organization\"},\"articleSection\":[\"Actualidad Jur\u00eddica\",\"Actualit\u00e9s juridiques\",\"Droit commercial\",\"Droit Immobilier\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gavelsabogados.com\/fr\/selon-la-cjue-les-frais-darrangement-sur-les-prets-hypothecaires-peuvent-faire-lobjet-dune-analyse-de-liniquite\/\",\"url\":\"https:\/\/gavelsabogados.com\/fr\/selon-la-cjue-les-frais-darrangement-sur-les-prets-hypothecaires-peuvent-faire-lobjet-dune-analyse-de-liniquite\/\",\"name\":\"Selon la CJUE, les frais d'arrangement sur les pr\u00eats hypoth\u00e9caires peuvent faire l'objet d'une analyse de l'iniquit\u00e9. - 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