{"id":657504,"date":"2026-04-23T09:29:51","date_gmt":"2026-04-23T07:29:51","guid":{"rendered":"https:\/\/kohenavocats.com\/jurisprudences\/eclinlhr20221372-hoge-raad-07-10-2022-21-00873\/"},"modified":"2026-04-23T09:29:51","modified_gmt":"2026-04-23T07:29:51","slug":"eclinlhr20221372-hoge-raad-07-10-2022-21-00873","status":"publish","type":"kji_decision","link":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/eclinlhr20221372-hoge-raad-07-10-2022-21-00873\/","title":{"rendered":"ECLI:NL:HR:2022:1372 Hoge Raad , 07-10-2022 \/ 21\/00873"},"content":{"rendered":"
\n
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Inhoudsindicatie.<\/strong> Art. 81 lid 1 RO. Financieel recht. Algemene voorwaarden. Consumentenrecht. Vervroegde aflossing van hypothecair krediet. Beding dat aan bank verschuldigde vergoeding bepaalt op basis van netto contante waarde-methode. Richtlijn oneerlijke bedingen. Richtlijn hypothecair krediet. Samenhang met 20\/04372 en 21\/02755.<\/p>\n

HOGE RAAD DER NEDERLANDEN<\/p>\n

CIVIELE KAMER<\/p>\n

Nummer 21\/00873<\/p>\n

Datum 7 oktober 2022<\/p>\n

ARREST<\/p>\n

In de zaak van<\/p>\n

[eiseres],
\nwonende te [woonplaats],<\/p>\n

EISERES tot cassatie,<\/p>\n

hierna: [eiseres],<\/p>\n

advocaat: A.C. van Schaick,<\/p>\n

tegen<\/p>\n

CO\u00d6PERATIEVE RABOBANK U.A.,
\ngevestigd te Utrecht,<\/p>\n

VERWEERSTER in cassatie,<\/p>\n

hierna: Rabobank,<\/p>\n

advocaten: F.J.L. Kaptein en J.W.M.K. Meijer.<\/p>\n

1. Procesverloop<\/p>\n

Voor het verloop van het geding in feitelijke instanties verwijst de Hoge Raad naar:<\/p>\n

de vonnissen in de zaak C\/13\/650761 \/ HA ZA 18-677 van de rechtbank Amsterdam van 24 oktober 2018 en 24 april 2019;<\/p>\n

het arrest in de zaak 200.264.392\/01 van het gerechtshof Amsterdam van 15 december 2020.<\/p>\n

[eiseres] heeft tegen het arrest van het hof beroep in cassatie ingesteld.<\/p>\n

Rabobank heeft een verweerschrift tot verwerping ingediend.<\/p>\n

De zaak is voor partijen toegelicht door hun advocaten.<\/p>\n

De conclusie van de plaatsvervangend Procureur-Generaal M.H. Wissink strekt tot verwerping van het cassatieberoep.<\/p>\n

De advocaat van [eiseres] heeft schriftelijk op die conclusie gereageerd.<\/p>\n

2Beoordeling van het middel<\/h3>\n

De Hoge Raad heeft de klachten over het arrest van het hof beoordeeld. De uitkomst hiervan is dat deze klachten niet kunnen leiden tot vernietiging van dat arrest. De Hoge Raad hoeft niet te motiveren waarom hij tot dit oordeel is gekomen. Bij de beoordeling van deze klachten is het namelijk niet nodig om antwoord te geven op vragen die van belang zijn voor de eenheid of de ontwikkeling van het recht (zie artikel 81 lid 1 van de Wet op de rechterlijke organisatie).<\/p>\n

3Beslissing<\/h3>\n

De Hoge Raad:<\/p>\n

verwerpt het beroep;<\/p>\n

veroordeelt [eiseres] in de kosten van het geding in cassatie, tot op deze uitspraak aan de zijde van Rabobank begroot op \u20ac 2.876,34 aan verschotten en \u20ac 2.200,— voor salaris, vermeerderd met de wettelijke rente over deze kosten indien [eiseres] deze niet binnen veertien dagen na heden heeft voldaan.<\/p>\n

Dit arrest is gewezen door de vicepresident M.V. Polak als voorzitter en de raadsheren T.H. Tanja-van den Broek, F.J.P. Lock, A.E.B. ter Heide en S.J. Schaafsma, en in het openbaar uitgesproken door de raadsheer F.J.P. Lock op 7 oktober 2022.<\/p>\n<\/div>\n

\n

Sources officielles :<\/strong> consulter la page source<\/a><\/p>\n

Rechtspraak.nl open data, Creative Commons Zero. Volume cible 1.8M decisions.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Art. 81 lid 1 RO. Financieel recht. Algemene voorwaarden. Consumentenrecht. Vervroegde aflossing van hypothecair krediet. Beding dat aan bank verschuldigde vergoeding bepaalt op basis van netto contante waarde-methode. Richtlijn oneerlijke bedingen. Richtlijn hypothecair krediet. Samenhang met 20\/04372 en 21\/02755.<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"_crdt_document":""},"kji_country":[7669],"kji_court":[7834],"kji_chamber":[],"kji_year":[32183],"kji_subject":[7646],"kji_keyword":[33395,22195,10133],"kji_language":[7671],"class_list":["post-657504","kji_decision","type-kji_decision","status-publish","hentry","kji_country-pays-bas","kji_court-hoge-raad","kji_year-32183","kji_subject-divers","kji_keyword-hypothecair","kji_keyword-krediet","kji_keyword-richtlijn","kji_language-nl"],"yoast_head":"\nECLI:NL:HR:2022:1372 Hoge Raad , 07-10-2022 \/ 21\/00873 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/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:\/\/kohenavocats.com\/ru\/jurisprudences\/eclinlhr20221372-hoge-raad-07-10-2022-21-00873\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ECLI:NL:HR:2022:1372 Hoge Raad , 07-10-2022 \/ 21\/00873\" \/>\n<meta property=\"og:description\" content=\"Art. 81 lid 1 RO. 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