{"id":751971,"date":"2026-04-29T12:24:25","date_gmt":"2026-04-29T10:24:25","guid":{"rendered":"https:\/\/kohenavocats.com\/jurisprudences\/eclinlhr2020212-hoge-raad-07-02-2020-18-04400\/"},"modified":"2026-04-29T12:24:25","modified_gmt":"2026-04-29T10:24:25","slug":"eclinlhr2020212-hoge-raad-07-02-2020-18-04400","status":"publish","type":"kji_decision","link":"https:\/\/kohenavocats.com\/ru\/jurisprudences\/eclinlhr2020212-hoge-raad-07-02-2020-18-04400\/","title":{"rendered":"ECLI:NL:HR:2020:212 Hoge Raad , 07-02-2020 \/ 18\/04400"},"content":{"rendered":"
\n
\n

Inhoudsindicatie.<\/strong> Art. 81 lid 1 RO. Verbintenissenrecht. Zorgplicht bank bij verstrekking hypothecaire lening met daaraan gekoppelde financieringsconstructie met belegging van eigen vermogen. Verjaring; onderzoeksplicht; overkreditering; condicio sine qua non-verband.<\/p>\n

HOGE RAAD DER NEDERLANDEN<\/p>\n

CIVIELE KAMER<\/p>\n

Nummer 18\/04400<\/p>\n

Datum 7 februari 2020<\/p>\n

ARREST<\/p>\n

In de zaak van<\/p>\n

VAN LANSCHOT N.V., voorheen F. van Lanschot Bankiers N.V.,
\ngevestigd te 's-Hertogenbosch,<\/p>\n

EISERES tot cassatie,<\/p>\n

hierna: de Bank,<\/p>\n

advocaat: J. de Bie Leuveling Tjeenk,<\/p>\n

tegen<\/p>\n

1. [verweerder 1] ,
\nwonende te [woonplaats] ,<\/p>\n

2. [verweerder 2] ,
\nwonende te [woonplaats] ,<\/p>\n

VERWEERDERS in cassatie,<\/p>\n

hierna gezamenlijk: [verweerders] ,<\/p>\n

advocaten: J.W. de Jong en J.L. Luiten.<\/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\/O1\/287899\/HA ZA 14-944 van de rechtbank Oost-Brabant van 6 mei 2015, 1 juli 2015 en 10 februari 2016;<\/p>\n

het arrest in de zaak 200.191.172\/01 van het gerechtshof 's-Hertogenbosch van 17 juli 2018 (ECLI:NL:GHSHE:2018:3031).<\/p>\n

De Bank heeft tegen het arrest van het hof beroep in cassatie ingesteld.<\/p>\n

[verweerders] hebben een verweerschrift tot verwerping ingediend.<\/p>\n

De zaak is voor partijen toegelicht door hun advocaten en voor de Bank mede door R.B. Akkerhuis.<\/p>\n

De conclusie van de Advocaat-Generaal T. Hartlief strekt tot verwerping van het cassatieberoep.<\/p>\n

De advocaat van de Bank 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 de Bank in de kosten van het geding in cassatie, tot op deze uitspraak aan de zijde van [verweerders] begroot op \u20ac 400,34 aan verschotten en \u20ac 2.200,— voor salaris.<\/p>\n

Dit arrest is gewezen door de vicepresident C.A. Streefkerk als voorzitter en de raadsheren M.V. Polak, M.J. Kroeze, C.H. Sieburgh en H.M. Wattendorff, en in het openbaar uitgesproken door de raadsheer C.E. du Perron op 7 februari 2020.<\/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. Verbintenissenrecht. Zorgplicht bank bij verstrekking hypothecaire lening met daaraan gekoppelde financieringsconstructie met belegging van eigen vermogen. Verjaring; onderzoeksplicht; overkreditering; condicio sine qua non-verband.<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"_crdt_document":""},"kji_country":[7669],"kji_court":[7834],"kji_chamber":[],"kji_year":[41198],"kji_subject":[7646],"kji_keyword":[18238,10125,11505,9287,11531],"kji_language":[7671],"class_list":["post-751971","kji_decision","type-kji_decision","status-publish","hentry","kji_country-pays-bas","kji_court-hoge-raad","kji_year-41198","kji_subject-divers","kji_keyword-hypothecaire","kji_keyword-lening","kji_keyword-verbintenissenrecht","kji_keyword-verstrekking","kji_keyword-zorgplicht","kji_language-nl"],"yoast_head":"\nECLI:NL:HR:2020:212 Hoge Raad , 07-02-2020 \/ 18\/04400 - 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\/eclinlhr2020212-hoge-raad-07-02-2020-18-04400\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ECLI:NL:HR:2020:212 Hoge Raad , 07-02-2020 \/ 18\/04400\" \/>\n<meta property=\"og:description\" content=\"Art. 81 lid 1 RO. 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