{"id":23431,"date":"2014-01-22T03:35:15","date_gmt":"2014-01-22T02:35:15","guid":{"rendered":"https:\/\/www.in-diem.com\/sts-09-05-2013-extrait-hypotheque-et-clause-de-plancher\/"},"modified":"2026-08-20T20:31:23","modified_gmt":"2026-08-20T18:31:23","slug":"sts-09-05-2013-extrait-hypotheque-et-clause-de-plancher","status":"publish","type":"post","link":"https:\/\/www.in-diem.com\/fr\/sts-09-05-2013-extrait-hypotheque-et-clause-de-plancher\/","title":{"rendered":"STS 09-05-2013 (extrait). Hypoth\u00e8que et clause de plancher."},"content":{"rendered":"<div class=\"vgblk-rw-wrapper limit-wrapper\">\n<p class=\"wp-block-paragraph\"><strong>IMPORTANT :<\/strong> <em>cet article commente le jugement de la Cour supr\u00eame du 9 mai 2013 concernant les clauses de la Chambre, rendu dans le contexte jurisprudentiel en vigueur \u00e0 l\u2019\u00e9poque. Bien qu\u2019elle conserve une valeur historique, le syst\u00e8me de revendication des clauses de parterre a consid\u00e9rablement \u00e9volu\u00e9 \u00e0 la suite de la jurisprudence ult\u00e9rieure de la CJUE et de la Cour supr\u00eame, notamment en mati\u00e8re de transparence, de restitution des montants et de protection des consommateurs. Toute r\u00e9clamation bancaire doit \u00eatre examin\u00e9e conform\u00e9ment au cas sp\u00e9cifique, \u00e0 la documentation hypoth\u00e9caire, \u00e0 la directive 93\/13\/CEE, \u00e0 la loi 5\/2019 et \u00e0 la jurisprudence applicable.<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">Comme il est bien connu, la pl\u00e9ni\u00e8re de la Chambre civile de la Cour supr\u00eame a d\u00e9clar\u00e9 la nullit\u00e9 des clauses de plancher des hypoth\u00e8ques dans les cas o\u00f9 il y a un manque de transparence. C\u2019est-\u00e0-dire tous ceux pour lesquels les informations suffisantes n\u2019ont pas \u00e9t\u00e9 fournies aux clients lors de la contraction du pr\u00eat hypoth\u00e9caire. <\/p>\n\n<p class=\"wp-block-paragraph\">En ce sens, la Chambre civile, sous la pr\u00e9sidence de l\u2019honorable Juan Antonio Xiol, a rendu un JUGEMENT DAT\u00c9 DU 9 MAI 2013. Cependant, ce JUGEMENT, apr\u00e8s avoir \u00e9t\u00e9 prononc\u00e9, faisait l\u2019objet d\u2019une part d\u2019une demande de clarification et, d\u2019autre part, d\u2019un incident de nullit\u00e9, qui ont \u00e9t\u00e9 r\u00e9solus par une ordonnance du 3 juin 2013 et une ordonnance du 6 novembre 2013, respectivement.  <\/p>\n\n<p class=\"wp-block-paragraph\">Le communiqu\u00e9 de presse du CGPJ rappelait que le STS 09-05-2013 sera obligatoire devant les tribunaux espagnols.<\/p>\n\n<p class=\"wp-block-paragraph\">IN DIEM Abogados d\u00e9veloppe actuellement, gr\u00e2ce \u00e0 son domaine sp\u00e9cialis\u00e9 en droit bancaire, de nombreuses actions en justice contre la plupart des entit\u00e9s bancaires, avec d\u2019excellents r\u00e9sultats.<\/p>\n\n<p class=\"wp-block-paragraph\">Le Service de documentation de l\u2019IN DIEM, en r\u00e9ponse aux demandes d\u2019informations, publie un extrait du STS 09-05-2013.<\/p>\n\n<p class=\"wp-block-paragraph\">Auteur : Service de documentation IN DIEM.<br\/>  Cat\u00e9gories : Droit bancaire. Hypoth\u00e8que. Clause de sol.  <br\/>  Date : mars 2014<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\"><strong>Comment IN DIEM Abogados peut-il vous aider ?<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Le secteur bancaire et financier <strong>d\u2019IN DIEM Abogados<\/strong> conseille les consommateurs et les entreprises dans les r\u00e9clamations li\u00e9es aux clauses hypoth\u00e9caires abusives, aux co\u00fbts de formalisation, aux clauses de plancher, aux int\u00e9r\u00eats de retard de paiement, \u00e0 l\u2019\u00e9ch\u00e9ance anticip\u00e9e et \u00e0 d\u2019autres produits ou conditions bancaires pouvant avoir caus\u00e9 des dommages \u00e9conomiques.<\/p>\n\n<p class=\"wp-block-paragraph\">L\u2019analyse d\u2019une r\u00e9clamation pour les frais hypoth\u00e9caires n\u00e9cessite d\u2019\u00e9tudier l\u2019acte, la clause applicable, les factures pay\u00e9es, la r\u00e9ponse de la banque et la jurisprudence actuelle. Selon l\u2019affaire, une r\u00e9clamation ant\u00e9rieure \u00e0 l\u2019amiable ou une action en justice peut \u00eatre intent\u00e9e pour demander la nullit\u00e9 de la clause et le remboursement des montants pay\u00e9s induisiblement. <\/p>\n\n<p class=\"wp-block-paragraph\">Si la r\u00e9clamation est \u00e9galement li\u00e9e \u00e0 une saisie hypoth\u00e9caire, \u00e0 une \u00e9ch\u00e9ance anticip\u00e9e ou \u00e0 d\u2019autres actions bancaires, il peut aussi \u00eatre conseill\u00e9 d\u2019examiner la d\u00e9fense possible en cas <strong>de saisie<\/strong> hypoth\u00e9caire.<\/p>\n\n<p class=\"wp-block-paragraph\">Vous pouvez contacter IN DIEM Abogados pour demander une \u00e9valuation initiale de votre dossier, en personne dans nos <strong>bureaux<\/strong> ou via <strong>des conseils juridiques en ligne<\/strong>. Il dispose \u00e9galement <strong>d\u2019un service juridique urgent 24h\/24<\/strong> lorsque la situation n\u00e9cessite une attention imm\u00e9diate. <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9vision de l\u2019acte hypoth\u00e9caire<\/strong> et de la clause de d\u00e9penses.<\/li>\n\n\n\n<li><strong>Analyse des factures et des re\u00e7us de paiement<\/strong> pour quantifier la r\u00e9clamation.<\/li>\n\n\n\n<li><strong>Une r\u00e9clamation extrajudiciaire contre la banque<\/strong>, lorsque cela est appropri\u00e9.<\/li>\n\n\n\n<li><strong>Assistance dans les proc\u00e9dures judiciaires<\/strong> pour demander la nullit\u00e9 et la restitution des montants.<\/li>\n\n\n\n<li><strong>Conseils personnalis\u00e9s<\/strong> \u00e0 chaque \u00e9tape de la proc\u00e9dure.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Auteur :<\/strong> Casimiro Gal\u00e1n Garrido.<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h3 class=\"wp-block-heading\"><strong>Des avocats experts en clauses hypoth\u00e9caires abusives : Malaga, Marbella, S\u00e9ville, Madrid, Las Palmas de Gran Canarias, Almeria, Huelva&#8230;<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\"><strong>IN DIEM Abogados<\/strong> poss\u00e8de une exp\u00e9rience dans le domaine du droit bancaire et financier, fournissant des conseils sur des r\u00e9clamations li\u00e9es aux clauses abusives, aux d\u00e9penses hypoth\u00e9caires, aux clauses de plancher, aux saisies immobili\u00e8res et aux produits bancaires complexes.<\/p>\n\n<p class=\"wp-block-paragraph\">Le cabinet g\u00e8re des affaires dans diff\u00e9rentes villes, notamment S\u00e9ville, Madrid, Las Palmas de Gran Canaria, Malaga, Huelva, Marbella, Estepona et d\u2019autres parties du territoire national, combinant une attention en face \u00e0 face et une assistance en ligne lorsque le client en a besoin.<\/p>\n\n<p class=\"wp-block-paragraph\">Nous sommes disponibles pour \u00e9valuer votre dossier. Vous pouvez contacter IN DIEM Abogados par t\u00e9l\u00e9phone <strong>(+34) 901 900 071<\/strong>. Pour les situations urgentes, vous pouvez utiliser le num\u00e9ro d\u2019urgence l\u00e9gal ouvert 24h\/24 : <strong>(+34) 610 667 452<\/strong>.  <\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-color has-medium-font-size\" style=\"color:#0029a4\"><strong>Saviez-vous qu\u2019Abogados IN DIEM propose un service en ligne et un service express ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nous offrons \u00e0 nos clients la possibilit\u00e9 d\u2019\u00eatre assist\u00e9s par appel vid\u00e9o ou visioconf\u00e9rence, ainsi que par t\u00e9l\u00e9phone, selon leurs pr\u00e9f\u00e9rences, afin que l\u2019assistance soit la plus personnelle, avec une imm\u00e9diatet\u00e9 absolue, sans avoir \u00e0 se d\u00e9placer. Ce service est compl\u00e9t\u00e9 par une communication par e-mail, ce qui facilite l\u2019analyse et la livraison de la documentation. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De m\u00eame, nous proposons des services urgents et 24h\/24 pour nos entreprises, en lien avec les op\u00e9rations de contractation nationales et internationales.<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/www.in-diem.com\/fr\/avocats-en-ligne\/\" style=\"background-color:#33c0d6;font-size:15px\"><strong>Conseils juridiques en ligne<\/strong><\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/www.in-diem.com\/fr\/contact\/\" style=\"background-color:#33c0d6;font-size:15px\"><strong>Service 24h\/24 et en urgence<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div><\/div>\n\n<h2 class=\"wp-block-heading\">Voulez-vous en savoir plus sur les avocats IN DIEM ?<\/h2>\n\n<p class=\"wp-block-paragraph\">Nous vous laissons avec cette br\u00e8ve pr\u00e9sentation vid\u00e9o de l\u2019entreprise.<\/p>\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"In Diem Abogados Sevilla\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/wQFpoA1gOfQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#0029a4\">Pour quelques reconnaissances, nous vous laissons ce <a href=\"https:\/\/www.proveedores.com\/proveedores\/abogados-in-diem-asesoramiento-personal-y-online-especializado\/\"><strong>lien.<\/strong><\/a><\/p>\n\n<p class=\"wp-block-paragraph\">Vous nous trouverez \u00e0 S\u00e9ville, Madrid, Las Palmas de Gran Canaria, Malaga, Huelva, Punta Umbria, Tomares, Coria del Rio, Dos Hermanas, Mairena del Alcor, Estepona, Marbella et Mairena del Aljarafe. Ce sera un plaisir de vous aider. <\/p>\n<\/div><!-- .vgblk-rw-wrapper -->","protected":false},"excerpt":{"rendered":"<p>Extrait sur le jugement de la Cour supr\u00eame du 9 mai 2013 concernant les clauses de plan, le manque de transparence dans les hypoth\u00e8ques et l\u2019\u00e9volution des r\u00e9clamations bancaires de consommation.<\/p>\n","protected":false},"author":3,"featured_media":23432,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_joinchat":[],"footnotes":""},"categories":[7239,7854],"tags":[8025,7799,7240,8020,7599,7193,8028,8027,7241,6326,7242,8022,7243,8026,8024,8021,8023],"class_list":["post-23431","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banque","category-oeuvres-publiees","tag-banques-2","tag-clause-de-nullite-de-la-salle","tag-clauses-abusives","tag-clauses-de-plancher","tag-consommateurs","tag-cour-supreme","tag-creances-bancaires","tag-directive-93-13","tag-droit-bancaire","tag-in-diem-avocats","tag-loi-5-2019","tag-prets-hypothecaires-2","tag-prets-hypothecaires","tag-protection-des-consommateurs","tag-reclamation-fondee-sur-la-clause-de-floor","tag-sts-9-mai-2013","tag-transparence-hypothecaire"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>In Diem Abogados. Clause hypoth\u00e9caire et plancher<\/title>\n<meta name=\"description\" content=\"In Diem Abogados, Hypoth\u00e8que et Clause de plancher. Sp\u00e9cialistes du droit bancaire. Analyse du jugement de la Cour supr\u00eame du 9 mai 2013 sur les clauses de la zone.\" \/>\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.in-diem.com\/fr\/sts-09-05-2013-extrait-hypotheque-et-clause-de-plancher\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"In Diem Abogados. Clause hypoth\u00e9caire et plancher\" \/>\n<meta property=\"og:description\" content=\"In Diem Abogados, Hypoth\u00e8que et Clause de plancher. Sp\u00e9cialistes du droit bancaire. 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