{"id":682797,"date":"2026-04-25T17:57:06","date_gmt":"2026-04-25T15:57:06","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-le-18-septembre-2025-n24-00832\/"},"modified":"2026-04-25T17:57:06","modified_gmt":"2026-04-25T15:57:06","slug":"cour-dappel-le-18-septembre-2025-n24-00832","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/ar\/cour-dappel-le-18-septembre-2025-n24-00832\/","title":{"rendered":"Cour d&#8217;appel, le 18 septembre 2025, n\u00b024\/00832"},"content":{"rendered":"<div class=\"article-content\">\n<p>La cour d&#8217;appel, statuant le [date \u00e0 ins\u00e9rer], examine un litige n\u00e9 d&#8217;un contrat de cr\u00e9dit. L&#8217;\u00e9tablissement pr\u00eateur demande la r\u00e9solution du contrat et le paiement du solde, tandis que l&#8217;emprunteur conteste les int\u00e9r\u00eats et sollicite des d\u00e9lais. La juridiction doit trancher sur la r\u00e9gularit\u00e9 de l&#8217;information pr\u00e9contractuelle et ses cons\u00e9quences. Elle confirme la d\u00e9ch\u00e9ance des int\u00e9r\u00eats et accorde des d\u00e9lais de paiement \u00e0 l&#8217;emprunteur.<\/p>\n<p>Le renforcement des obligations d&#8217;information du pr\u00eateur<\/p>\n<p>L&#8217;exigence d&#8217;une information compl\u00e8te et compr\u00e9hensible. La cour rappelle les obligations l\u00e9gales pesant sur le pr\u00eateur en mati\u00e8re d&#8217;information. Elle souligne que le contrat doit permettre \u00e0 l&#8217;emprunteur de conna\u00eetre pr\u00e9cis\u00e9ment son engagement. &#8220;le contrat de cr\u00e9dit doit comporter le montant, le nombre et la p\u00e9riodicit\u00e9 des \u00e9ch\u00e9ances que l&#8217;emprunteur doit verser&#8221; (Motifs de la d\u00e9cision). Cette exigence vise \u00e0 garantir un consentement \u00e9clair\u00e9 du consommateur. La port\u00e9e de cette obligation est ainsi strictement interpr\u00e9t\u00e9e par les juges du fond.<\/p>\n<p>La sanction de l&#8217;absence de remise du tableau d&#8217;amortissement. Le manquement \u00e0 cette obligation est s\u00e9v\u00e8rement sanctionn\u00e9. La cour estime que la communication tardive du tableau durant l&#8217;instance est insuffisante. &#8220;La communication dans le cadre de l&#8217;instance d&#8217;un historique de compte d\u00e9taill\u00e9 puis d&#8217;un tableau d&#8217;amortissement n&#8217;est pas de nature \u00e0 supprimer l&#8217;irr\u00e9gularit\u00e9 commise lors de la conclusion du contrat&#8221; (Motifs de la d\u00e9cision). Ce manquement entra\u00eene la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats conventionnels pour le pr\u00eateur. Cette solution prot\u00e8ge efficacement l&#8217;emprunteur contre les informations opaques.<\/p>\n<p>Les cons\u00e9quences pratiques de la d\u00e9ch\u00e9ance des int\u00e9r\u00eats<\/p>\n<p>La limitation de la cr\u00e9ance au seul capital restant d\u00fb. La sanction prononc\u00e9e modifie substantiellement la cr\u00e9ance du pr\u00eateur. L&#8217;emprunteur n&#8217;est plus tenu qu&#8217;au remboursement du principal. &#8220;l&#8217;emprunteur n&#8217;est tenu qu&#8217;au seul remboursement du capital suivant l&#8217;\u00e9ch\u00e9ancier pr\u00e9vu&#8221; (Motifs de la d\u00e9cision). La cour rejette la demande de restitution des int\u00e9r\u00eats d\u00e9j\u00e0 pay\u00e9s, ceux-ci ayant \u00e9t\u00e9 imput\u00e9s sur le capital. Cette application de l&#8217;article L.311-48 ancien simplifie les relations financi\u00e8res entre les parties.<\/p>\n<p>L&#8217;octroi de d\u00e9lais de paiement et le rejet des autres demandes. La cour compl\u00e8te le jugement en accordant des d\u00e9lais de paiement \u00e0 l&#8217;emprunteur. Elle justifie cette mesure au regard de la situation financi\u00e8re de ce dernier. La demande de r\u00e9siliation du contrat pour inex\u00e9cution est implicitement rejet\u00e9e. La clause p\u00e9nale est \u00e9galement \u00e9cart\u00e9e en cons\u00e9quence de la d\u00e9ch\u00e9ance des int\u00e9r\u00eats. Cette d\u00e9cision \u00e9quilibre les sanctions en maintenant l&#8217;obligation essentielle de remboursement.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La cour d&#8217;appel, statuant le [date \u00e0 ins\u00e9rer], examine un litige n\u00e9 d&#8217;un contrat de cr\u00e9dit. L&#8217;\u00e9tablissement pr\u00eateur demande la r\u00e9solution du contrat et le pa&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":4833,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_kj_source_type":"judilibre","_kj_official_id":"68ce39d63c51767c18cd59f1","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68ce39d63c51767c18cd59f1","_kj_judilibre_id":"68ce39d63c51767c18cd59f1","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel de Grenoble","_kj_chambre":"Chambre Commerciale","_kj_rg":"24\/00832","_kj_date":"2025-09-18","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-682797","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cour d&#039;appel, le 18 septembre 2025, n\u00b024\/00832 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"La cour d&#039;appel, statuant le [date \u00e0 ins\u00e9rer], examine un litige n\u00e9 d&#039;un contrat de cr\u00e9dit. 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