{"id":3736,"date":"2018-02-06T11:04:01","date_gmt":"2018-02-06T10:04:01","guid":{"rendered":"https:\/\/gavelsabogados.com\/?p=3736"},"modified":"2025-04-22T21:24:46","modified_gmt":"2025-04-22T19:24:46","slug":"la-cour-supreme-declare-la-nullite-partielle","status":"publish","type":"post","link":"https:\/\/gavelsabogados.com\/fr\/la-cour-supreme-declare-la-nullite-partielle\/","title":{"rendered":"La Cour Supr\u00eame D\u00e9clare la Nullit\u00e9 Partielle"},"content":{"rendered":"

En novembre 2017<\/strong>, la Cour Supr\u00eame<\/strong> s\u2019est de nouveau prononc\u00e9e sur un pr\u00eat hypoth\u00e9caire multidevise<\/strong> contract\u00e9 par les emprunteurs aupr\u00e8s de Barclays Bank, S.A.<\/strong> (d\u00e9sormais Caixabank, S.A.<\/strong>).<\/p>\n

Les faits marquants du contrat sign\u00e9 par les emprunteurs avec la banque sont les suivants :
(i) la banque n\u2019a pas fourni d\u2019information \u00e9crite pr\u00e9alable aux emprunteurs ; aucun prospectus<\/strong> ni offre ferme<\/strong> ne leur ont \u00e9t\u00e9 remis, et
(ii) le repr\u00e9sentant de la banque charg\u00e9 de conclure le contrat avec les emprunteurs ne poss\u00e9dait pas de connaissances<\/strong> sur les pr\u00eats hypoth\u00e9caires multidevises.<\/p>\n

Sur ces deux fondements, la Cour Supr\u00eame<\/strong> a bas\u00e9 sa d\u00e9cision pour d\u00e9clarer la nullit\u00e9 du pr\u00eat multidevise<\/strong>, bien que cette nullit\u00e9 soit partielle<\/strong> et non totale, afin d\u2019\u00e9viter un pr\u00e9judice important pour les emprunteurs.<\/p>\n

Contrairement \u00e0 la pr\u00e9c\u00e9dente d\u00e9cision de la Cour Supr\u00eame<\/strong> en la mati\u00e8re, du 30 juin 2015<\/strong>, qui consid\u00e9rait le pr\u00eat multidevise comme un instrument financier<\/strong>, l\u2019arr\u00eat du 15 novembre 2017<\/strong> a \u00e9tabli que ces pr\u00eats ne constituent pas un instrument financier<\/strong> au sens de la Loi sur le March\u00e9 des Valeurs Mobili\u00e8res<\/strong>, pour plusieurs raisons :
(i) leur finalit\u00e9 n\u2019est pas un investissement du consommateur, mais simplement l\u2019obtention de fonds pour l\u2019achat d\u2019un bien de consommation, et
(ii) le contrat de pr\u00eat multidevise ne distingue pas<\/strong> entre le pr\u00eat lui-m\u00eame et une op\u00e9ration \u00e0 terme sur devises.<\/p>\n

Ce changement jurisprudentiel signifie que les \u00e9tablissements financiers proposant ce type de pr\u00eats ne sont pas tenus<\/strong> d\u2019\u00e9valuer le client ni de lui fournir les informations pr\u00e9vues par la Loi sur le March\u00e9 des Valeurs Mobili\u00e8res.<\/p>\n

Toutefois, l\u2019inapplication de cette loi aux pr\u00eats multidevises n\u2019exon\u00e8re pas<\/strong> les banques de leur obligation de respecter le contr\u00f4le de transparence<\/strong>. Ce contr\u00f4le implique une obligation d\u2019information d\u00e9taill\u00e9e sur le produit, y compris la charge \u00e9conomique qu\u2019il repr\u00e9sente, et une \u00e9valuation des avantages \u00e9conomiques en relation avec le risque patrimonial<\/strong> pour le client (pr\u00e9vision des fluctuations de la devise, variations des remboursements, d\u00e9pr\u00e9ciation possible de l\u2019euro, \u00e9ch\u00e9ance anticip\u00e9e, etc.), afin que le consommateur puisse analyser le contrat de mani\u00e8re d\u00e9taill\u00e9e.<\/p>\n

Il est indispensable que le consommateur soit inform\u00e9 au pr\u00e9alable<\/strong> sur tous les aspects du contrat, et que les clauses<\/strong> soient r\u00e9dig\u00e9es de mani\u00e8re claire et compr\u00e9hensible<\/strong>.<\/p>\n

Les pr\u00eats multidevises comportent des risques sp\u00e9cifiques<\/strong> li\u00e9s aux variations des taux d\u2019int\u00e9r\u00eat et aux fluctuations des devises, impliquant un recalcul constant<\/strong> du capital pr\u00eat\u00e9. La banque doit donc fournir une information plus d\u00e9taill\u00e9e, car un consommateur moyen, disposant d\u2019une information basique, ne peut anticiper le comportement futur de ce produit et prendre une d\u00e9cision \u00e9clair\u00e9e.<\/p>\n

Il convient de souligner que la lecture de l\u2019acte notari\u00e9<\/strong> relatif au pr\u00eat multidevise par le notaire ne constitue pas<\/strong> une preuve que la banque a respect\u00e9 son obligation de transparence lors de la conclusion de ce contrat.<\/p>\n

La Cour Supr\u00eame<\/strong> a prononc\u00e9 la nullit\u00e9 partielle<\/strong> du contrat de pr\u00eat hypoth\u00e9caire multidevise, justifiant que la nullit\u00e9 totale causerait un grave pr\u00e9judice \u00e0 l\u2019emprunteur, qui serait contraint de rembourser en une seule fois le capital restant d\u00fb, alors qu\u2019une nullit\u00e9 partielle<\/strong> est possible selon les termes contractuels du pr\u00eat.<\/p>\n","protected":false},"excerpt":{"rendered":"

En novembre 2017, la Cour Supr\u00eame s\u2019est de nouveau prononc\u00e9e sur un pr\u00eat hypoth\u00e9caire multidevise contract\u00e9 par les emprunteurs aupr\u00e8s de Barclays Bank, S.A. (d\u00e9sormais Caixabank, S.A.). Les faits marquants du contrat sign\u00e9 par les emprunteurs avec la banque sont les suivants :(i) la banque n\u2019a pas fourni d\u2019information \u00e9crite pr\u00e9alable aux emprunteurs ; aucun […]<\/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":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[34,92,82],"tags":[],"class_list":["post-3736","post","type-post","status-publish","format-standard","hentry","category-actualidad-juridica","category-actualites-juridiques","category-droit-de-la-procedure-et-du-contentieux"],"yoast_head":"\nLa Cour Supr\u00eame D\u00e9clare la Nullit\u00e9 Partielle - 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\/la-cour-supreme-declare-la-nullite-partielle\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La Cour Supr\u00eame D\u00e9clare la Nullit\u00e9 Partielle - GAVELS ABOGADOS\" \/>\n<meta property=\"og:description\" content=\"En novembre 2017, la Cour Supr\u00eame s\u2019est de nouveau prononc\u00e9e sur un pr\u00eat hypoth\u00e9caire multidevise contract\u00e9 par les emprunteurs aupr\u00e8s de Barclays Bank, S.A. (d\u00e9sormais Caixabank, S.A.). Les faits marquants du contrat sign\u00e9 par les emprunteurs avec la banque sont les suivants :(i) la banque n\u2019a pas fourni d\u2019information \u00e9crite pr\u00e9alable aux emprunteurs ; aucun […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gavelsabogados.com\/fr\/la-cour-supreme-declare-la-nullite-partielle\/\" \/>\n<meta property=\"og:site_name\" content=\"GAVELS ABOGADOS\" \/>\n<meta property=\"article:published_time\" content=\"2018-02-06T10:04:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-22T19:24:46+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=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/gavelsabogados.com\/fr\/la-cour-supreme-declare-la-nullite-partielle\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/gavelsabogados.com\/fr\/la-cour-supreme-declare-la-nullite-partielle\/\"},\"author\":{\"name\":\"Gavels_web\",\"@id\":\"https:\/\/gavelsabogados.com\/en\/#\/schema\/person\/5c50aabc22d11bb0d1688cde2ffe33a2\"},\"headline\":\"La Cour Supr\u00eame D\u00e9clare la Nullit\u00e9 Partielle\",\"datePublished\":\"2018-02-06T10:04:01+00:00\",\"dateModified\":\"2025-04-22T19:24:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/gavelsabogados.com\/fr\/la-cour-supreme-declare-la-nullite-partielle\/\"},\"wordCount\":598,\"publisher\":{\"@id\":\"https:\/\/gavelsabogados.com\/en\/#organization\"},\"articleSection\":[\"Actualidad Jur\u00eddica\",\"Actualit\u00e9s juridiques\",\"Droit de la proc\u00e9dure et du contentieux\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gavelsabogados.com\/fr\/la-cour-supreme-declare-la-nullite-partielle\/\",\"url\":\"https:\/\/gavelsabogados.com\/fr\/la-cour-supreme-declare-la-nullite-partielle\/\",\"name\":\"La Cour Supr\u00eame D\u00e9clare la Nullit\u00e9 Partielle - 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